Visa Direct Connect
An enablement service that consolidates select 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 send and receive funds, the complexity of integration to different networks and developing the required business logic delays a client’s time to market and may ultimately have a negative impact on revenue. Visa Direct Connect provides clients with streamlined access to multiple payment endpoints through a set of designated APIs that follow consistent design and language. This helps provide clients with ease and flexibility when creating their solution to use and grow with Visa Direct.
Visa Direct Connect can simplify integration, messaging and troubleshooting tasks for clients.
Key Benefits
Reduce Effort
Integrate with APIs that follow consistent design and language to access all Visa Direct capabilities to move money between eligible consumers and/or businesses.
Easier to Grow
Easier to develop new functionality through specifically designated Visa Direct APIs.
How It Works
Visa Direct Connect supports select products within Visa Direct and services via API endpoints. Use cases include:
- Sending payouts to Visa Direct for Account, Visa Direct for Wallet and Visa Direct for Card.
- Payload validation, account verification and eligibility checks for account, wallet and card
The APIs are available through a common developer experience with consistent architecture. 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.
Visa Direct Connect offers a set of designated APIs for Visa Direct for Account, Visa Direct for Wallet and Visa Direct for Card. The designated APIs focus on a single responsibility, ensuring each endpoint meets specific needs with relevant functionality and ease of use. This design minimizes integration effort and allows for scaling to new use cases.
Accessing Visa Direct for Account, Visa Direct for Wallet and Visa Direct for Card
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 the API endpoint that enables payout to Visa Direct for Account, Wallet and Card. 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.
APIs Included
Validate Payout API
Available for Visa Direct for Account and Visa Direct for Wallet. 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.
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
Available for Visa Direct for Account and Visa Direct for Wallet. The Get Balance API allows clients and sending participants to check their current balance in an available chosen settlement currency.
Payout Status Notification API
Available for Visa Direct for Account and Visa Direct for Wallet. The Payout Status Notification API enables Visa to provide payout status updates.
Payout Return Notification API
Available for Visa Direct for Account and Visa Direct for Wallet. The Payout Return Notification API allows originators to receive notifications about returns associated with their payouts.
Ledger Notification API
Available for Visa Direct for Account and Visa Direct for Wallet. The Ledger Notification API allows originators to receive notifications about funding, journal, and repatriations.
Balance Notification API
Available for Visa Direct for Account and Visa Direct for Wallet. The Balance Notification API allows Originating Entities to view the balance of each currency for their Virtual Account(s).
Payin API
Available for Visa Direct for Card only. This API can pull funds from the sender's Visa account (in preparation for pushing funds to a recipient's account) in an Account Funding Transaction (AFT).
Eligibility API
Available for Visa Direct for Card only. Eligibility checks with Visa Direct for Card enables validation of transactions by Originating Entities, Acquirers, Merchants, or Service Providers to help ensure successful payouts and smoother transactions.
AFT Reversal API
Available for Visa Direct for Card only. The AFT Reversal API is designed to reverse an Account Funding Transaction (AFT) that pulled funds from a Visa card.
AFT Adjustment API
Available for Visa Direct for Card only. The AFT Adjustment API allows the sender to correct the amount of a previously completed Account Funding Transaction (AFT).
Verify API
The Verify API Allows clients to verify account or wallet recipient details before making a payout request. For Visa Direct for Card, it allows an Acquirer, Merchant or Service Provider to validate the transaction, helping increase the probability of a successful payout and allowing for a more seamless transaction flow.
Request Exception API
Available for Visa Direct for Card only. The Request Exception API enables a client or sender or recipient to perform several actions, such as AFT reversals for Visa Direct Card.
Cancel Payout API
Available for Visa Direct for Account and Visa Direct for Wallet. Originating Entity may request to cancel a transaction and stop a payment in scenarios where the Sender sent to an incorrect recipient or the wrong amount in the payout instruction or sent a duplicate payout in error