Visa AR Manager

Visa AR Manager APIs use different authentication requirements for different endpoints, providing flexibility while maintaining security standards appropriate for each operation type.

• Multi-Layered Security Model – Visa AR Manager APIs implement a layered security approach that includes:
  • Transport Security – All communications use HTTPS encryption.
  • Client Credentials – Required only for specific Payment Suite operations (/varm/v1/payment and /varm/v1/paymentinfo).
  • Application Identification – Visa Developer Center (VDC) external application ID for provisioning.
  • Onboarding Suite APIs – No authentication headers required for all onboarding endpoints (/varm/v1/onboarding/supplier, /varm/v1/onboardingstatus, /varm/v1/participationagreement, /varm/v1/onboarding/customer, and /varm/v1/relationshipinfo).
  • Payment Suite API Exception – The deposit confirmation endpoint (/varm/v1/deposit) requires no authentication headers despite being classified as a Payment Suite API.
• Authentication Flow – The authentication process follows these principles:
  • Credentials are validated on each request (stateless authentication).
  • Multiple authentication factors may be required simultaneously.
  • Authentication failures result in appropriate HTTP error responses.
  • Successful authentication enables access to authorized operations.
• Security Considerations – Important security aspects of the authentication system:
  • All credentials must be transmitted over HTTPS.
  • Credentials should be stored securely and rotated regularly.
  • Authentication failures should be monitored and logged.

Visa AR Manager APIs implement multiple security layers, and proper implementation of security best practices is essential for protecting sensitive payment data and maintaining compliance with industry standards.

• Transport Security – All API communications must use secure transport protocols:
  • HTTPS Only – All API endpoints require HTTPS connections.
  • TLS Version – Use current TLS versions (1.2 or higher).
  • Certificate Validation – Verify SSL/TLS certificates to prevent man-in-the-middle attacks.
  • Secure Ciphers – Use strong encryption ciphers for data transmission.
• Authentication Best Practices – Implement robust authentication practices:
  • Client Credentials – Use client credentials only for specific Payment Suite operations (/varm/v1/payment and /varm/v1/paymentinfo). Most API operations, including all Onboarding Suite APIs and deposit confirmation, require no authentication headers.
  • Stateless Authentication – Validate credentials on each request.
  • Authentication Monitoring – Monitor and log authentication attempts and failures.
  • Failure Handling – Implement appropriate responses to authentication failures.
• Visa AR Manager-Specific Security and Data Protection – Utilize Visa AR Manager's built-in security in handling sensitive payment data:
  • Visa Infrastructure Security – Utilizes Visa's enterprise-grade security infrastructure and compliance standards.
  • Automated Security Updates – Benefits from Visa's continuous security monitoring and updates without additional implementation effort.
  • PCI Compliance – Follows Payment Card Industry (PCI) Data Security Standards.
  • Secure Transmission – Ensures all sensitive data is encrypted in transit.