Visa Payments Processing

Enable Visa clients to process card-not-present payments through a direct interface to Visa’s global payment system.

Visa Payments Processing APIs enable Visa clients, such as acquirers, acquirer processors, approved merchants and payment facilitators to process card-not-present payments through a direct interface to Visa’s global payment system.

available for use by:

Acquirer Banks
Merchants
Independent Developers

Open Standards Direct Access to VisaNet to Authorize-Clear-Settle Card-not-Present Payments

The Visa Payments Processing APIs enable Visa clients, such as acquirers, acquirer processors, and approved merchants sponsored by a participating acquirer to process card-not-present payments through a direct interface to Visa’s global payment system. The Visa Payments Processing  APIs supports a simplified processing model with a lightweight interface and doesn’t require clients to submit clearing batches. 

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Key Features

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Support for card-not-present payments.

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Direct interface to VisaNet.

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RESTful API design.

Why Use It?

  • Simplify integration efforts with client or partner projects.
  • Shorten and accelerate development cycle time.
  • Enable development of innovative payment solutions.
  • Drive Internet of Things (IoT) enabled commerce experiences.
How Does It Work?
The Visa Payments Processing APIs enable approved Visa clients to process card or token-based payment requests for Card-Not-Present processing scenarios. Acquirers and other approved clients* connect to Visa over the public Internet.
APIs Used

Authorization API

The Authorization API is used to request approval of card or token-based transactions. To enable the clearing and settlement of an approved transaction, a subsequent Capture API request is required.

Capture API

The Capture API is used to initiate the clearing and settlement of a previously approved authorization request. The Capture API request should be submitted as soon as a client fulfills a customer’s order and must be within 30 days of the original authorization request.

Sales API

The Sale API is used for a purchase when goods or services are delivered immediately to the consumer.

Refund API

The Refund API is used to submit credit vouchers or merchandise returns for card and token based transactions.

Void API

The Void API can be used to reverse an outstanding or previously approved transaction. Voids can be also be submitted in case of time-outs.

Verification API

The Verification API can be used to validate cardholder account information. Account verification is supported for both Visa and non-Visa brands.

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