Visa In-App Provisioning enables instant spend using a mobile wallet by allowing Visa clients to enroll customers and their cards and generate the encrypted card data payload needed by digital wallets like Apple Pay, Google Pay and Samsung Pay for tokenization. This capability can be provided during the following scenarios:
A consumer has a debit account relationship with a bank and the bank wants to offer a debit card to the consumer or a consumer has some stored value with a fintech. In both cases, Visa In-App Provisioning can help the bank or the fintech client offer an instant digital issuance option to their consumers on their app, so consumers can create a virtual debit card and add it to their digital wallet instantaneously.
A consumer does not have a relationship with the bank yet or consumer has an existing debit account relationship with the bank and bank wants to offer a credit card to the consumer, or a fintech client wants to offer a credit card to a consumer. In all these cases, Visa In-App Provisioning can help the bank or fintech client offer an instant digital issuance option to their consumers on their app, so consumers can create a virtual credit card and add it to their digital wallet instantaneously.
A consumer has an existing debit card or credit card with a bank or fintech. Visa In-App Provisioning can help the bank or fintech client offer an option on their app to add this card to their digital wallet instantaneously.
Visa In-App Provisioning APIs can be used by Issuers or authorized Processors, Program managers, Fintechs, Non-bank issuers and Software/Service providers.
To get started, refer to the Getting Started section in the Visa Developer Center. Use the API explorer in the "API Reference" section to understand how to use APIs in the Sandbox. Once your project is ready to be promoted to Certification environment or production, complete the details requested in the Project promotion form and enter into the appropriate VDP API Agreement for production use. A Visa implementation manager will set up the data required and promote your project to the requested environment once all requirements are met.
Note: The sandbox environment is designed to provide a general view and guide of the endpoint request and response structure. The data in the sandbox covers a small subset of possible requests. There are systematic environment limitations, and you may not be able to execute all API functionality through the API explorer in sandbox. Please code using the API specifications, including error codes.
Clients need to complete the necessary pre-requisites with each of the digital wallet providers they are looking to enable push provisioning for and the relevant issuer needs to be a participant in the Visa Token System. They need to have a mobile app published in the respective app stores and are able to publish an update. Clients need to make their own assessment on the required steps to be in compliance with the terms of the respective wallet provider and ensure that the latest requirements are satisfied by working directly with the digital wallet providers. For example, Apple may require Apple Pay In-App Provisioning entitlement on the app for distribution and all pay wallets require the 'Add to Wallet' button to meet their standard guidelines.
Each pay wallet offers a unique way to identify if a card has already been tokenized on that pay wallet on the device through the pay wallet's API/SDK integration. Client app should use this service and enable 'Add to Wallet' button only if the card is not tokenized on the device on the pay wallet yet.
The following table lists the regional availability for Visa In-App Provisioning. To view availability of all products, refer to the Availability Matrix.
Asia-Pacific : Evaluation of market’s readiness required.
Europe : Evaluation of market’s readiness required.
CEMEA : Evaluation of market’s readiness required.
LAC : Evaluation of market’s readiness required.