Visa Direct Connect
An enablement service that consolidates access to Visa Direct money movement offerings to simplify client integration
available for use by
Issuer Banks
Acquirer Banks
Merchants
Independent Developers
Regional Availability
View Details- N. America
- Asia-Pacific
- Europe
- CEMEA
- LAC
FEES & TERMS
Free to use in Sandbox. Contact Visa for fees in Production.
Visa Direct Connect reduces the effort to integrate with money movement methods, routes and endpoints supported by Visa Direct.
With an increasing number of routes available to move funds, the complexity of integration to different networks and business logic delays a client’s time to market and may ultimately have a negative impact on revenue. Visa Direct Connect provides clients with an additional option to integrate with Visa Direct, streamlining access to multiple payment endpoints through a single API interface. It orchestrates the connection to pre-transaction, transaction, and post transaction processes across all supported payment methods such as to eligible cards, accounts, or wallets.
Visa Direct Connect can simplify onboarding, integration, messaging and troubleshooting tasks for clients.
Key Features
Reduce Efforts
Integrate with one set of APIs for accessing all Visa Direct money movement capabilities between eligible consumers and/or businesses
Product Simplification
Consolidate money movement product offerings and ease access to Visa Products with fewer API URLs and fields
How It Works
Visa Direct Connect supports the same number of use cases, offered by all products within Visa Direct, with approximately 50% fewer API endpoints (depending on Visa Direct product or service) compared with connecting to each product or service individually. Examples include:
- Sending payouts to Visa Direct for Account, Visa Direct for Wallet, and Visa Direct for Card using one set of APIs instead of two or three sets of APIs depending on which products a client chooses to enable for payouts.
- Payload validation, account verification and eligibility checks for account, wallet, and card through one API endpoint.
Visa Direct Connect reduces the number of API endpoints by orchestrating transactions across the services offered by Visa Direct Connect.
Visa Direct Connect uses profiles that are specific to payment products, setup for clients at the time of onboarding, to simplify payloads and API integration. This helps simplify API requests i.e., fewer fields per API request.
Visa Direct Connects' orchestration across Visa Direct for Account, Visa Direct for Wallet, Visa Direct for Card and Visa B2B Connect:
How It's Used
Clients can use Visa Direct Connect to enable their customers to send payouts to eligible accounts, wallets, and cards.
A sender initiates a payment via a website or app and the originator submits data for that payment to Visa Direct Connect. Visa Direct Connect uses the payload characteristics to identify whether the payout is to Visa Direct for Account, Visa Direct for Wallet, Visa Direct for Card or Visa B2B Connect. There is no change to how payments are processed through to the recipient or beneficiary.
For more information about Visa Direct for Account and Visa Direct for Wallet, see Visa Direct for Account and Visa Direct for Wallet Overview.
For more information about Visa Direct for Card, see Visa Direct Overview. For more information about Visa B2B Connect, see Visa B2B Connect.
APIs Included
Validate Payout API
The Validate Payout API allows originators to validate the transaction before calling Send Payout API, helping increase the probability of successful payout leading to a more consistent consumer experience.
Send Payout API
The Send Payout API allows originators to send a payout request to push funds to eligible accounts, wallets, or cards.
Request Exception API
The Request Exception API enables a client or sender or recipient to perform several actions, such as AFT reversals and for Visa B2B Connect transactions, recall payments, respond to recall requests, reject payments and confirm credits.
Query Payout API
The Query Payout API allows originators to query the status of a payout request. It can also be used to view the status of an Account Funding Transactions (pull funds) request.
Get Account Balance API
The Get Balance API allows clients and sending participants to check their current balance in an available chosen settlement currency.
Payout Status Notification API
The Payout Status Notification API enables Visa to provide payout status updates.
Payout Return Notification API
The Payout Return Notification API allows originators to receive notifications about returns associated with their payouts.
Ledger Notification API
The Ledger Notification API allows originators to receive notifications about funding, journal, and repatriations.
Balance Notification API
Visa Direct for Account and Visa Direct for Wallet only. The Balance Notification API allows Originating Entities to view the balance of each currency for their Virtual Account(s).