How to use Visa Intelligent Data Exchange API

Refer to the diagram and table below for a summary of how third-party data will flow between third-party data providers and Visa issuers via the Visa IDX API and the Visa IDX mechanism:

1. The merchant/gateway/acquirer requests services from the third-party data provider.
2. The third-party data provider passes the enhanced transaction data to Visa via the Visa IDX API.
3. Visa replies with the Visa IDX Match Key associated with the transaction.
4. The third-party data provider responds to the merchant with the Visa IDX Match Key.
5. The third-party data provider's enhanced transaction data is passed from the Visa IDX API into Visa IDX.
6. The merchant/gateway/acquirer sends an authorization request message with the Visa IDX Match Key included (in Field 126.9).
7. VisaNet locates/retrieves the enhanced transaction data using the Visa IDX Match Key provided in the authorization request message.
8. VisaNet sends the authorization request message to the issuer, including select enhanced transaction data from the third-party data provider.
9. The issuer returns an authorization response.
10. VisaNet sends the authorization response to the mechant.

Review the Visa Intelligent Data Exchange (Visa IDX) API Implementation Guide for comprehensive guidance on connecting to the Visa IDX API.