Visa ID & Credential

Lifecycle Management Tool for Click to Pay

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Getting Started with Visa ID & Credential

Introduction

Visa ID & Credential provides lifecycle management tool for Issuers using Click to Pay.

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

1. Prerequisites

  • Issuers using Visa ID and Credential for Issuer-offered Click to Pay are required to have a valid Visa Token Service (VTS) participation agreement and an existing VTS project. Client must work with their Visa Representative to locate both the certification and the production Visa Token Service project prior to using Visa ID and Credential.
  • 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. Implementation Kickoff

Key Activities:

  • Visa provides technical briefing overview
  • Client conducts applicable legal or privacy reviews
  • Client provides solution architecture and UI / UX design (if applicable)
  • Visa and Client define implementation plan

3. API Implementation

Key Activities:

  • Client completes self-testing of test cases and certification testing (if applicable)

4. General Availability

Key Activities:

  • Client submits executed contract document (if applicable)
  • Client is promoted to production environment
  • Client pilot phase (optional)
  • Client marketing / promotion materials are ready
  • Client customer support is ready
  • Launch Visa Product

Next Steps

  • When you are ready to use Visa ID and Credential, please create a project and add Visa ID and Credential. For existing VTS clients, 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.

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 to a single externalConsumerID.  It should be generated / provided by the Issuer. The ID provides the 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]