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Getting Started with Visa Direct Connect

About Visa Direct Connect

Visa Direct Connect is a simple, fast and streamlined money movement solution. Visa Direct Connect is an enablement service consolidating access to Visa Direct money movement offerings to simplify client integration and maintenance of our products.

Vision

By focusing on a cohesive and adaptable approach to our product, processing, and network infrastructure, we aim to provide a client experience that is both seamless and highly integrated.

Transaction flow

Visa Direct Connect facilitates connection to Visa Direct, which enables transfers to accounts, wallets, and cards through a comprehensive suite of APIs. These APIs cover various stages of transactions, including pre-transaction verification (Validate Payload), executing the transaction (Send Payout), and post-transaction processes (Query Payout, Request Exception), by integrating with Visa Direct's services for accounts, wallets, and cards. Please note, a client may only send payouts to those products to which it has approved access.

Both the account and wallet functionalities are designed to support cross-border transactions only. Additionally, the card service supports both domestic and cross-border transactions.

1	Sender (individual or entity) initiates payment to recipient.
2	Payment request captured, verified and submitted by client to Visa Direct Connect.
3	A single enablement service is used, through which Visa Direct Connect sends payment instructions to either Visa Direct for Account, Visa Direct for Wallet or Visa Direct for Card, based on the client's choice of payout method.
4a	Network Partner submits the payment request through local clearing scheme. Speed of deposit depends on the scheme. Recipient’s bank receives inward amount and credits to recipient account.
4b	Wallet Aggregator / Operator credits the recipient’s wallet with the payment.
4c	VisaNet routes the payment to the recipient issuer. Recipient issuer credits the recipient's card.

How Visa Direct Connect works

Visa Direct Connect supports all use cases offered by Visa Direct, allowing for fewer API integrations as compared with the standard approach, which requires connecting to each product or service individually.

Visa Direct Connect reduces the number of API endpoints by orchestrating transactions across the services offered by Visa Direct.  

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 the API request process, i.e., fewer fields per API request.

EXAMPLES:

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, for example. Please note, a client may only send payouts to those products to which it has approved access. 
Payload validation, account verification and eligibility checks for account, wallet, and card through one API endpoint

Visa Direct Connect API’s can be found on the product page. Visa Direct Clients can create their own “Go-Live” process for the API connections found in the Visa Developer Center through their dashboard.

See “Quick Start Guide for Developers” for a guide to implement projects.

APIs Included

Validate Payout API

The Validate Payout API allows Originating Entities, Acquirers, Merchants or Service Providers 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 Originating Entities, Acquirers, Merchants or Service Providers to send a payout request to push funds to eligible accounts, wallets, or cards.

Request Exception API

This Request Exception API permits a client or sender to execute several actions, including the cancellation of Account or Wallet transactions, OCT adjustments, AFT reversals, and AFT adjustments.

Query Payout API

The Query Payout API allows Originating Entities, Acquirers, Merchants or Service Providers 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