Visa’s push payment solutions utilize the card account Primary Account Number (PAN) of the payment card. However, this requires the recipient to share the card details with the sender. Alternatively, recipients can share their Alias (e.g., mobile phone number) which is mapped to a card number. An Alias is an identifier such as a mobile phone number, email address, national ID or IBAN. This is safer and provides a better user experience than sharing card numbers.
Visa Alias Directory Service provides services to map an Alias to a card account Primary Account Number (PAN) of the payment card. A Visa client can use Visa Alias Directory Service to allow consumers to initiate push payments using an Alias. A Visa client first provides Visa Alias Directory Service with an Alias and receives the card account PAN mapped to that Alias.
Support for other payment instruments such as bank accounts and wallets are being considered as potential future enhancements.
Visa Alias Directory Service provides a directory service to maintain mappings between Aliases and payment instruments for participating clients. Clients can create Aliases and perform lifecycle management operations such as updating, deleting, and getting information on Aliases.
Visa Alias Directory Service currently supports the card's primary account number (PAN) as the payment instrument being mapped to an Alias. There are currently two primary types of Alias-to-PAN mappings:
The focus of this section is for Consumer Aliases, but Merchant Aliases use similar operations. For more information on Merchant Aliases, please ask your Visa representative for the Alias Directory Service Implementation Guide.
Clients may use Create Alias to create an Alias-to-PAN mapping. Please note that consumer consent is required to create an Alias and the consent date and time must be provided by the consumer’s financial institution during Alias creation. In certain markets, the card expiry date is required to create an Alias.
Clients may also create mappings in Visa Alias Directory Service using multiple Aliases or multiple payment instruments. Please see API tutorials below for more information.
Once an Alias is created, clients may use Get Alias to retrieve information about their Alias. For example, clients can retrieve and display data in the mobile app for Alias lifecycle management before updating existing Alias information.
Clients may use Update Alias to update Alias information. For example, Clients can modify an Alias to PAN association instrument, such as linking the Alias to a different payment instrument. Clients can also set a PAN as the default card to receive money. Lastly, clients may update any information related to the Alias record.
Clients may use Delete Alias to delete an Alias. For example, this would be used when a consumer opts-out of the client's Alias program.
Resolve allows clients to submit an Alias and receive the payment instrument mapped to that Alias.
The high-level Alias resolution logic is as follows:
For more details and examples on Alias Resolution, please ask your Visa representative for the Alias Directory Service Implementation Guide.
Visa Alias Directory Service provides reports on client's Aliases with information such as the current status, time when status changed, and whether a payment instrument is the default option for that Alias.
Please see API tutorial below to learn how to generate reports in Visa Alias Directory Service.
The Alias Lookup API enables the Visa Alias Directory Service to lookup an Alias in a third party directory and return the associated payment instrument. The Alias Lookup API sends an Alias and accompanying data to the third-party directory. The data returned in the API response is the payment instrument associated with the Alias.
Alias Lookup API is only available in select markets and is currently a restricted API on Visa Developer Center. Please contact your Visa representative for access to the API and its documentation.
Creating an Alias
Modifying an Alias
Using Alias for P2P
Creating an Alias at Another Bank
Removing an Alias
Duration: 4-5 weeks
Duration: 1-2 weeks
Duration: 1-2 weeks