Visa ID & Credential

Lifecycle Management Tool for Click to Pay

Start a Project Start a Project API Overview API Overview API Reference API Reference
Navigate to...
keyboard_arrow_down

Getting Started with Visa ID & Credential

Introduction

Visa ID & Credential provides lifecycle management tool for Issuers using Click to Pay. Visa’s vision is for Click to Pay to replace PAN key entry for e-commerce in much the same way as Chip and Contactless have replaced magnetic stripe at Point of Sale (POS). Delivering on this vision will significantly reduce the opportunities for fraud in e-commerce and deliver a significantly improved purchase experience for both consumers and merchants. Click to Pay brings the convenience and security of face-to-face Contactless payments to e-commerce by eliminating the need for consumers to enter card details manually at checkout and removing the reliance on PANs for e-commerce. This will mean utilizing Visa network tokens, with a secure cryptogram generated for every transaction, significantly reducing the opportunity for fraudsters to attempt to use stolen PAN details for e-commerce fraud.

To enhance this proposition, as an Issuer you can enable Click to Pay as a card level feature of the bank card (just like Contactless).

Availability

The following table lists the regional availability for Visa ID & Credential APIs. To view availability of all products, refer to the Availability Matrix.

North America Asia-Pacific Europe CEMEA LAC Notes
    KEY
  • Available in entire region
  • Not available
  • See notes for available countries

Key Functionalities

Implementation Overview

The following section provides an overview of the phases an Issuer will undergo throughout the implementation process.

1. Pre-Implementation

  • Visa provides an overview of the solution.
  • As a pre-requisite, issuers need to be Token Ready.
  • Client conducts applicable legal or privacy reviews
  • To learn more about the requirements and best practices for using Visa ID and Credential for Issuer-offered Click to Pay, please refer to your regional Issuer Guide for Issuer-offered Click to Pay as a Card-Level Feature or contact your Visa Representative.

2. API Implementation and Testing

  • Your visa representative will guide you through the process of submitting the Going Live step.
  • Once approved your visa representative will configure your credentials and confirm upon completion.
  • Once onboarded in production, Issuers can start live proving before launch.
  • Client pilot phase (optional)
  • Client marketing / promotion materials are ready.

3. General Availability

  • Review API specs.
  • Your visa representative will configure your credentials and confirm upon completion.
  • Client to complete the implementation of all the APIs.
  • Once the credentials are configured, implementors are required to complete certification testing.

Next Steps

  • When you are ready to use the Visa ID & Credential APIs, please create a project and add Visa ID & Credential. For exsiting VTS client, please work with your Visa Representative for the setup. Please contact [email protected] with any questions.
  • Go to Working with Visa APIs to learn about the end-to-end process around engaging with our APIs.
  • Check out our Developer Tools if you need help on integrating with APIs or simply ask a question on our Community forum.
  • Please refer to this tutorial to quickly enable Message Level Encryption for our APIs.

Frequently Asked Questions

QUESTION ANSWER
Do I need to check consumer provided data before sending it to Visa?
  • Issuers must only enroll or update consumer and payment instrument related data for their own customers which they know to be accurate. It is the Issuer's responsibility to perform relevant KYC checks on their customer and address data and to validate the consumer has access to all email addresses and phone numbers supplied over the API. The Issuer is solely responsible for ensuring the accuracy of all data provided to Visa, including the validity of the payment instrument(s), that the payment instrument(s) belongs to the enrolled consumer, and that the correct email/phone is matched with the payment instrument(s). 
What is externalConsumerID?
  • externalConsumerID is a consumer ID that is a unique identifier of the consumer from the Issuer’s perspective. This is distinct from any payment instrument identifier as multiple payment instruments may be associated with a single externalConsumerID.  It should be generated / provided by the Issuer. The externalConsumerID together with the externalConsumerIDOwnerBID, uniquely identifies a consumer in the VICA and Click to Pay systems and provides a link between enrollment and data management functions to ensure that updates are applied to the correct consumer record.
What is the externalConsumerIDOwnerBID?
  • externalConsumerIDOwnerBID is the unique resource for identifying the Payment Card Issuer who has the relationship with the consumer (maintains the consumer profile).  The externalConsumerIDOwnerBID together with the externalConsumerID uniquely identifies a consumer in the VICA and Click to Pay systems and provides a link between enrollment and data management functions to ensure that updates are applied to the correct consumer record. 

Contact Us

To reach the product office, please reach out to [email protected]