Visa Transaction Controls
Empower cardholders to control how, when and where their cards are used.
available for use by
Issuer Banks
Issuer Banks for Small Business
Regional Availability
View Details- N. America
- Asia-Pacific
- Europe
- CEMEA
- LAC
fees & Terms
Product terms located at end of the page.
Transform your mobile app or website into a financial command and control center
Visa Transaction Controls allow the ability to empower cardholders to manage their card usage with card controls and providing them with near real-time notifications of activity on their enrolled card.
Key Features
Process both Visa and non-Visa transactions
Supports various card types globally, including, credit, debit, and prepaid cards
Optional* notification delivery service (*Notification delivery service is required for VDE SDK: VTC UI/UX version. Notification delivery service is only available in NA and LAC. SMS is only available in the US and Canada.)
Available via mobile and web platforms
APIs Included
Customer Rules API
The Customer Rules API is used to register, retrieve, modify and delete an account’s card control settings.
Alert History and Customer Profiles API
The Alert History and Customer Profiles API is used to retrieve an account’s VTC notification history. For issuers who participate in the VTC Alert Delivery Service this API is also used to create and manage a cardholder’s Customer Profile.
Authorization API
The Authorization Decision API enables an authorization processor to request authorization decisions on non-Visa transactions for participating accounts.
Program Administration API
The Transaction Controls Program Administration API enables Issuers to change program configurations for their sponsorID.
Enrollment Callback API
The Enrollment Callback API is not applicable to most development programs. It is used in conjunction with the Authorization API when solving for non-Visa transactions. It notifies the issuer’s authorization platform(s) of active VTC accounts so it can begin sending transaction data to VTC for a decision recommendation.
Notification Delivery Callback API
The Notification Delivery Callback API sends VTC alert information to an issuer’s notification service provider to create the customer-facing message they then deliver via email, SMS or Push notification. It includes data on the cardholder, merchant, purchase amount, date/time, location and the VTC setting that triggered an alert and/or decline event. It is the service provider’s responsibility to manage cardholder contact information, alert messages and notification delivery.
Related Content
Turn Your Card On or Off
At the touch of a button, cardholders can temporarily disable or enable the use of their card.
Manage Overseas Spend
Visa Transaction Controls allows cardholders the option to block international transactions when they are not traveling and / or allow purchases in select countries.
How Michigan State Uses Visa APIs
Michigan State University Federal Credit Union (MSUFCU) uses Mobile Location Confirmation and Visa Transaction Controls to provide its members with added fraud protection and the ability to lock and unlock their Visa cards through the MSUFCU mobile app.
How NAB Uses Visa APIs
National Australia Bank (NAB) provides a convenient, educational mobile app experience for travelers using Visa Transaction Controls, Travel Notification Services and Foreign Exchange Rates.
How Hanseatic Bank Uses VTC
Hanseatic Bank uses Visa Transaction Controls to offer new features that enhance the capabilities of their mobile banking app, including card blocking, transaction alerts and real-time balance information.