Important Information About Visa Direct

The reference below is intended only for clients who have integrated their systems with the legacy API of Visa Direct. Clients can access the documentation while access to sandbox test credentials is only available by contacting the Visa Direct support team at visadirect-dev-support@visa.com.

THE EASIEST WAY TO SEND
MONEY TO A VISA CARD

Visa Direct is an innovative service that financial institutions can offer to enable secure money transfers to millions of participating Visa cards globally.

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Who Can Use It?

To offer Visa Direct, you’ll need to be a Visa Principal member, have a Visa acquirer POS license, or be sponsored by a Visa member as a third party. Final deployment is subject to approval by Visa. To determine your eligibility, contact your Visa representative or email us at visadirect-dev-support@visa.com

Benefits

Visa Direct is a payment service that lets people send money to millions of eligible Visa accounts around the world through the Original Credit Transaction (OCT). Visa Direct consumer and business applications include:

  • Money Transfer: Consumers can send funds to their Visa account or to another person’s Visa account.
  • Prepaid Load: Consumers can load/reload funds to a Visa reloadable prepaid card in participating countries.
  • Credit Card Bill Pay: Consumers can pay a Visa credit card bill.
  • Funds Disbursement: Merchants can disburse funds to their customers' Visa accounts.

How Does it Work?

CONSUMER-TO-CONSUMER

A consumer can send payments and transfers to another consumer’s eligible Visa card, or to his/her own Visa card. Visa Direct makes it convenient to split expenses, pay personal IOUs, send remittances, reload a prepaid card, or pay a Visa credit card bill.

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BUSINESS-TO-CONSUMER

Merchants, government entities, or corporations can send funds to another consumer’s eligible Visa card. Visa Direct enables payments and transfers such as insurance claims, corporate and manufacturing rebates, affiliate and contractor payouts, expense reimbursements, and government disbursements (such as value-added tax refunds).

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