Visa Intelligent Data Exchange API
Enable third-party data providers to share enhanced card-not-present transaction data with issuers
available for use by
Acquirer Banks
Independent Developers
Regional Availability
View Details- N. America
- Asia-Pacific
- Europe
- CEMEA
- LAC
FEES & TERMS
Free to use in Sandbox. Contact Visa for fees in Production.
Help issuers improve authorization approval rates and increase fraud detection
The Visa Intelligent Data Exchange (Visa IDX) API enables third-party providers, on behalf of their merchant clients, to provide Visa with enhanced data for card-not-present (CNP) transactions prior to authorization using a channel outside of EMV 3-D Secure (3DS). Visa will share select enhanced data with issuers in the authorization request message, via the Visa IDX mechanism for issuers to use in their authorization decisioning, helping improve CNP transactions approval rates and increase fraud detection.
Visa IDX is a supplemental data delivery mechanism designed to help enrich Visa issuers’ risk management for CNP transactions by sending insights from outside of the authorization flow to issuers and endpoints within the Visa network.
Key Features
Share enhanced CNP transaction data with issuers to be used in their authorization decisions.
Enhanced data may include cardholder information and transaction details.
Help issuers approve more legitimate transactions and increase fraud detection.
How It Works
After connecting to the Visa IDX API, third-party data providers may share enhanced CNP transaction data with issuers through the following data flow:
- The cardholder initiates a CNP transaction.
- The merchant/gateway/acquirer requests services from the third-party data provider.
- The third-party data provider passes the enhanced transaction data to Visa via the Visa IDX API, prior to authorization.
- The merchant/gateway/acquirer sends the authorization request message.
- Visa passes the corresponding enhanced transaction data to the issuer in the authorization request message via the Visa IDX mechanism.
- The issuer uses the transaction data to make a more informed authorization decision.
How It's Used
Issuers may not have enough data in CNP transaction environments to effectively assess risk and approve transactions with minimum friction. The Visa IDX API allows third party data providers, on behalf of their merchant clients, to share more contextual data with issuers in real time on CNP transactions via the Visa IDX mechanism, which may help enrich issuers’ risk management strategy in authorization decisioning.
Issuers may consume data received via the Visa IDX mechanism through two means:
- Issuers may create rules in Visa Risk Manager (VRM) that integrate Visa IDX data into their decisioning parameters.
- Issuers that do not use VRM may work internally or with their processor to implement proprietary processing and rule-writing logic to integrate Visa IDX data into their approval process.
Who It's For
The Visa IDX API is intended for third-party data providers, including payment service providers and fraud prevention providers. This may include, but is not limited to, non-Visa entities that collect, aggregate, distribute, and leverage cardholder and transaction information to perform real-time authentication and/or risk assessment on CNP transactions.
APIs Included
Visa Intelligent Data Exchange API
The Visa IDX API enables third-party providers, on behalf of their merchant clients, to provide Visa with enhanced data for CNP transactions prior to authorization.