Visa Data Tokens
Consent-based delivery of consumer insights
available for use by
Merchants
Regional Availability
View Details- N. America
- Asia-Pacific
- Europe
- CEMEA
- LAC
FEES & TERMS
Free to use in Sandbox. Contact Visa for fees in Production.
Provides consumer level insights leveraging historical transaction data to help clients personalize their customer experiences
Visa Data Tokens offer useful and relevant consumer level insights (signals) derived from consumers' historical transactions. Visa Data Tokens can help clients improve their personalization engines to deliver better consumer interactions. Signals could include consumer spend metrics, behavioral insights (personas) and/or predictive insights based on AI models (future) for consumers who opt in.
Visa clients select relevant signals during the onboarding process and obtain consumer consent before receiving these signals. Once a consumer opts into this feature, the client accesses these signals via Visa's API. These signals can then be integrated into the client’s personalization engines, enabling personalized offers and interactions with their customers.
Why Visa Data Tokens?
The insights provided by Visa can further enhance the personalized products and services that you present to your customers. While you most likely have a history of your customer's behavior when the customer have interacted directly with your environment, Visa can provide a broader view of your customers as we use data that occured outside of your environment and can compare your customer's behavior to a much larger set of consumer payment behavior.
Consent
Visa Data Tokens are enabled only after consent has been received from the consumer. The collection of this consent must be facilitated by the Client in accordance with applicable law and consent standards that may be recommended by Visa.
Consumer Control
Consumers needs to be able to provide or revoke consent for Visa Data Tokens on the Client’s platform and in accordance with applicable law and consent standards that may be recommended by Visa.
Personalization
Visa is able to return insights about the consented Consumers that are machine readable and can be easily integrated into the Client’s personalization engines
Client Flexibility
Clients will have the flexibility to choose from the multitude of insights that are available from Visa for the Client's specific market, and that are relevant to them during the onboarding process.
How Does it Work?
Consumer
The Consumer consents to the insights provided by Visa being used to improve the personalized experience presented to them by the Client. This collection of consent is a one time action that the Consumer must be able to revoke at any time.
Visa
Visa manages enrolled Consumers and provisioned Data Tokens. For consented provisioned Consumers, Visa will return the relevant insights to the Client.
Client
The Client integrates the insights into their existing data management systems, as well as their personalized and recommendation alogrithms allowing the Client to deliver an enhanced, personalized, experience to their customers.
APIs Included
Consumer APIs
Enroll consumer, get information related to a previously enrolled consumer and update information for a previously enrolled consumer.
Provisioning APIs
Provision a Data Token and update the consent status of a provisioned Data Token