Visa Merchant Offers Resource Center

Getting Started with Visa Merchant Offers Resource Center

About Visa Merchant Offers Resource Center

The Visa Merchant Offers Resource Center (VMORC) provides approved and active offers specific to a user account. All functions supported by the VMORC APIs are READ-ONLY. All responses are returned in a JSON format.

Things to Know

Offers in the VMORC APIs contain a set of required and optional fields. The following fields are required from each VMORC offer:

  • Program
  • Language
  • Merchant Name
  • Offer Title
  • Offer Validity Dates
  • Promotion Date Range
  • Promotion Channels
  • Redemption Channels
  • Offer Short Description
  • Offer Copy
  • Merchant Terms & Conditions
  • Visa Terms & Conditions
  • Merchant Logo
  • Offer Source
  • Redemption Countries
  • Promoting Countries
  • Card Products
  • Card Payment Types
  • Business Segments
  • Categories/Sub-Categories
  • Offer Type

Some offers may contain information tailored for specific consumer projects.

The VMORC APIs can be used by any developer in the sandbox. The sandbox uses one user account to retrieve sample data and offers. The production environment stores provide offers that are valid to redeem. Currently, VMORC APIs in production can be used by Issuer Banks, Small Businesses, Merchants. Each user account must be pre-approved for production and configured for each project's needs. Contact [email protected] for further information.

The merchant offers that are available through VMORC are collected from merchants around the world as a service to clients and their cardholders. The offers are provided by the merchant and not by Visa. Visa expressly disclaims any responsibility for their content or compliance with the laws of any country.

No offer reproduced from VMORC may be changed or modified in any manner, either with respect to the offer content or its accompanying terms and conditions. Users are solely responsible for any use of the merchant offers set forth herein. Before downloading or making these merchant offers available to your cardholders, Visa strongly recommends that you consult with your own legal counsel. This is to determine if the offers comply with your policies and the laws of each jurisdiction in which the respective offers will be made available.


The following table lists the regional availability for Visa Merchant Offers Resource Center. To view availability of all products, refer to the Availability Matrix.

Available in entire region

Limited availability in region

Not available

Region Availability Notes
North America

Working with the APIs

The Visa Merchant Offers Resource Center (VMORC) is a central offer repository that gives users an easy way to promote merchant offers to their cardholders. VMORC is a multilingual application used by various teams worldwide to store offers as they are procured. Additionally, VMORC provides an Application Programming Interface (API) for users to extract offers to display on custom applications or pages. Since VMORC simultaneously manages the offer entry and distribution processes, users are provided access to the latest offers as soon as they become available.

Main features include:

  • Central offer data store for global, regional and local merchant offers
  • Ability to store, display and search in multiple languages
  • Ability to export single or multiple offers in multiple formats
  • Discards offers after a configurable time
  • Delivers basic reports that capture user interaction in the offer data store
  • Numerous API filters and combinations to serve various types of offer responses to consumer applications

Visa Merchant Offers Resource Center (VMORC) is a multifunctional system used by agencies and Visa teams to enter and share offers. As a developer, you can retrieve data offers for your customized web and mobile applications.

If you are new to the VMORC API services, you can filter and run the following kinds of data queries.

  • All available offers: This is the most comprehensive request and returns with all accessible offers.
  • Offer IDs: This request is made when you are interested in a specific offer and its translations. You must know the offer ID (an identifier for offer and its translations) and pass it in the request.
  • Content IDs: This request is made when you are interested in a language-specific offer. You must know the content ID (a language-specific identifier) and pass it in the request.
  • Reference Data: Prior to making an offer-related request, you must first query the Reference Data API to determine available reference data options and its IDs. You can then make the filtered offers request by passing the desired reference data IDs in the request.

The following sections provide a general background about how offers are acquired and made available through the Offers Data API and retrieved from the Reference Data API.

Understanding the Offer Entry Process

The VMORC Offer Entry Process involves the following steps on how offers are acquired and made available through the API. 

  1. Merchant offers are procured by Visa and agencies offline.
  2. Offers are entered into the VMORC system through its UI interface.
  3. Offers are reviewed through the UI interface by appointed VMORC users. If all the offer information is correct, the offer is approved in VMORC.
  4. Offer images are deployed to a publically available server. The offer details are made available through the Offers Data API.
Visa Merchant Offers Resource Center

Accessing the Published Offer Data

Once the offer is made available to the user through the VMORC API, you can retrieve the recently published offer data. As shown below, the VMORC API process includes steps which involve acquiring the offer data to apply to your customized web and mobile applications.

  1. The user makes a set of requests to the VMORC Offers Data API to retrieve offer data. To make a filtered offer request, the user must make a request to the Reference Data API to get a list of available filtered options and their key values. The user may then make a filtered offer request by applying the desired filters in the parameters of the request.
  2. VMORC processes the request and determines the data the user account can access. For offer requests, the system only returns offers which the user has permission to view. For reference data, the system only returns filtered options associated to at least one accessible offer. All responses are returned in JSON format.
  3. The user designs and develops a customized web and mobile application using the VMORC offers and data.As noted, there are two available types of VMORC API services: Offers Data API and Reference Data API.
Visa Merchant Offers Resource Center flow for published offer data

APIs Included

Offers Data API

The Offer Data API allows users to retrieve the offer data available to them or filtered by offer attributes.

The Offers Data API retrieves offer details that are accessible to the caller. The caller may query for specific sets of offers by adding filters. Filtered offer requests may be created by adding offer content IDs, offer IDs and by reference data IDs. For specific details related to the Offers Data API, reference the VMORC API Reference.

Reference Data API 

The Reference Data API provides developers a quick and easy way to retrieve reference information from VMORC. These values are mainly used in offer filtering criteria and values.

The Reference Data API retrieves offer criteria that is accessible to the caller. The caller may query different business segment categories, such as commercial, consumer and small business. This information is used to create filtered offer data requests. For specific details related to the Reference Data API, refer to the VMORC API Reference.