VisaNet Connect - Issuing
Direct access to VisaNet to securely enable innovative payments solutions.
available for use by
Issuer Banks
Independent Developers
Regional Availability
View Details- N. America
- Asia-Pacific
- Europe
- CEMEA
- LAC
Pricing
Free to use in Sandbox. Product terms located at the bottom of the page.
Empowering issuers with control over a full range of payment requests through a direct interface to Visa’s global payment system.
VisaNet Connect – Issuing APIs are a portfolio of VisaNet Connect APIs that provide direct connectivity to VisaNet for issuers to approve and decline payments requested by their cardholders or process clearing requests submitted by acquirers. The VisaNet Connect – Issuing APIs support a broad range of payment types, including point-of-sale, ecommerce, digital wallets, and ATMs. Connectivity to VisaNet is provided via a lightweight, easy-to-integrate set of RESTful APIs. Additionally, VisaNet Connect – Issuing leverages Visa’s HSM-as-a-Service, performing PIN and cryptogram verifications on behalf of the issuer, thereby eliminating the need for the issuer to manage a payment Hardware Security Module (HSM).
Key Features
Speed to market
Helps bring solutions to market faster with open standards and direct access to VisaNet to authorize, clear, and settle payments.
Lightweight interface
Simplifies integration efforts with client applications through easy-to-code RESTful APIs using ISO 20022 ATICA naming conventions.
Reduced PII Footprint
API messages use a PAN alias, which removes PAN from the payment message and may help reduces PCI compliance scope.
How it Works
Cardholder payment is routed to Visa: Visa receives the incoming payment request message. Visa either validates CVV, CVV2, iCVV, CAAV, or other cryptographic information on behalf of the issuer, or forwards to the issuer for validation.
Visa sends payment request message to issuer: Visa will forward the API message to the issuer. Results of verifications will may be included in the message.
Issuer approves or declines payment: with a simplified response, the issuer can approve or decline the incoming payment request.
Acquirer receives response: Visa will respond to the acquirer with the payment decision
Issuer receives reports from Visa: end-of-day settlement and additional reports will be sent to the issuer.
APIs Used
Authorizations API
Used to request approval of any PAN or token-based transactions.
Completions API
Used to clear a previously approved authorization request, and process various clearing advices. Completed clearing advices will be automatically cleared and settled in the following settlement window.
Advices API
Used to process advices for file updates and non-financial transactions.
Purchases API
Used to request approval for final-amount-known transactions. Approved payments will be automatically cleared and settled in the following settlement window.
Returns API
Used for credit vouchers or merchandise returns. Completed returns will be automatically cleared and settled in the following settlement window.
Inquiries API
Used to validate cardholder information and approve or decline token provisioning requests.
ATM API
Used to process requests for withdrawals, deposits, balance inquiries, and balance transfers. This API can also be used for PIN change and block/unblock requests.
Adjustments API
Used to process adjustments, fee collections, and fee disbursements. Completed adjustment requests will be automatically cleared and settled in the following settlement window.