The Visa Accept SDK is a configurable mobile application component designed to support enablement of seller payment acceptance against consumer debit credentials. It provides a secure way for cardholders to access various card-related capabilities from their mobile application, thereby enhancing user engagement and simplifying the implementation experience. The SDK is designed to be provided to a client, issuer/processor, mobile application provider, Fintech or Channel Partner (jointly or individually referred to as “clients”) to be embedded within their mobile app. The integration of the SDK may be completed by either the client's mobile app development team or a party authorized by the client to provide their mobile solution.

• Visa Accept allows clients to enable small-scale sellers to accept card payments directly on their smartphones as long as they have a Visa prepaid or debit account. This service broadens sellers' payment options, allowing them to accept card payments in addition to cash.
• Sellers use the client's banking app to onboard and access Visa Accept. Buyers tap their payment cards or use pay-by-link to facilitate a near real-time funds transfer.
• Visa Accept focuses on small-scale sellers by setting minimal transaction limits. Once this limit is reached, sellers cannot accept further payments using Visa Accept until the next payment period, when the transaction limit resets. Sellers receive notifications through Visa Accept alerting them when they are near or at their transaction limit.Visa provides transaction amount limits for each region. Clients have the flexibility to go up to that limit within their respective regions, but are not required to do so. Clients are required to comply with regional regulations.
• Sellers receive transaction alerts, view transaction history, and can process refunds.
• Visa Accept supports near real-time funds availability and allows for existing dispute rules and chargeback cycles. There are no restrictions on the dispute codes that can be submitted.
• To use Visa Accept, sellers must download the client’s Issuer App. To support contactless payments, sellers with Android devices must also download the Tap to Pay Ready app from the Google Play Store. These apps work together to facilitate contactless transactions. The Tap to Pay Ready App runs in the background. Sellers use the client's banking app to interact with Visa Accept and do not need to access the Tap to Pay Ready App once they have downloaded it.