Visa In-App Provisioning

Provision to major mobile pay wallets from your banking application

available for use by

Issuer Banks

Independent Developers

Issuer Banks for Small Business

Regional Availability

View Details
  • N. America
  • Asia-Pacific
  • Europe
  • LAC

Fees & Terms

API not available in Europe. Product terms located at end of the page.

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In-App Provisioning Icon

Implementing push provisioning is now easier than ever

It's now easier than ever to digitally activate newly issued digital Visa and Mastercard1 cards, and accelerate adoption of mobile payment wallets for an existing card portfolio. Visa In-App Provisioning helps issuers and partners such as Mobile App Developers, Processors, Fintechs and Solution Providers to more easily implement a "Add to Apple Pay2, Google Pay3 or Samsung Pay4" button in mobile banking applications. 

Key Features

Visa In-App Provisioning helps developers easily implement push-provisioning capability to Apple, Google & Samsung Pay from a banking app. 

Reduces software development complexity
Integrate once with Visa to enable multiple pay wallets
Eliminates encryption key management costs for provisioning
Faster time to market
Enables fintechs to participate

Visa In-App Provisioning Solutions

Visa offers multiple solutions to enable In-App Provisioning. Please see below for further information.

Visa Digital Enablement SDK

Unique Benefits

  • All key features noted above
  • Manage integration with wallet APIs, Visa In-App Provisioning API, and eligibility check APIs

The Visa Digital Enablement Software Developer Kits for iOS® and Android™ (“SDKs”) are mobile application components which support the end-to-end provisioning of Visa and Mastercard credentials from within an issuer, issuer/processor, mobile application provider, Fintech or channel partner's (“clients”) mobile app directly to a payment wallet on the device. The SDKs can help provide a seamless, secure method for cardholders to pass their credentials from the client’s mobile application to the digital/mobile wallets and e-commerce merchants on their device, eliminating the need to enter their card information separately. This aims to improve speed to market, and the expense and complexity of multiple direct integration efforts for mobile app providers.

The SDKs are designed to be embedded within the mobile application(s) by the team responsible for the mobile app development, which may be the client or a party licensed by the client to provide their mobile solution. While the mobile app provider controls the user experience in the app, the SDKs allow clients to leverage Visa’s infrastructure including the Visa In-App Provisioning.

Visa In-App Provisioning API

Unique Benefits

  • All the key features noted above
  • Card enrollment and use of universal card ID for PAN aliasing

Visa In-App Provisioning API provides an encrypted payload to clients that they can pass on to Apple, Google, and Samsung Pay. 

The Visa In-App Provisioning API can help eliminate backend software development complexity as well as expensive and complex server infrastructure to store encryption keys. Using this product, an encrypted card data payload is generated for the client that is formatted for Apple, Google or Samsung native provisioning specifications. It is the client's responsibility to build and maintain direct integration with multiple wallet APIs to perform eligibility checks and securely pass the encrypted payload to them. 


Universal Card Enrollment

Enroll and manage cards and customer in Visa. Card management end points allows you to enroll card for a customer, enroll card without a customer, get card details and delete a card. Customer management is optional and the end points allow you to create a customer, update a customer attributes, get customer details and delete a customer

In-App Provisioning for Apple Pay

In-App Provisioning for Apple Pay generates encrypted card data payload that can be passed to Apple Pay for tokenization

In-App Provisioning for Google Pay

In-App Provisioning for Google Pay generates encrypted card data payload that can be passed to Google Pay for tokenization

In-App Provisioning for Samsung Pay

In-App Provisioning for Samsung Pay generates encrypted card data payload that can be passed to Samsung Pay for tokenization


Visa In-App Provisioning SDK

The Visa In-App Provisioning Software Development Kit includes utilizes the In-App Provisioning API, Token Eligibility Check APIs, and manages integration with the wallet APIs to security pass card data.

Regional Availability

The following table lists the regional availability for Visa In-App Provisioning APIs and Visa In-App Provisioning SDK. To view availability of all products, refer to Regional Availability.

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

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1Mastercard is a trademark of Mastercard Inc.

2Apple Pay is a trademark of Apple Inc., registered in the U.S. and other countries

3 Google Pay is a trademark of Google LLC.

4 Samsung Pay is a trademark of Samsung Electronics Co., Ltd.