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Release Notes

September 2018

Welcome to the Visa Developer September 2018 Release Notes that include key features introduced in this release.

API Updates

Visa Cardholder Purchase Inquiry

Visa Cardholder Purchase Inquiry (VCPI) provides issuers with a self-service model for their cardholders to review transaction specifics sent by participating merchants.

Refer to Visa Cardholder Purchase Inquiry for more details.

Card-On-File Data Inquiry

To improve the API discoverability and make the API functionality more clear to our clients, Visa Account Management Suite (VAMS) has been re-branded as Card-On-File Data Inquiry.

Refer to Card-On-File Data Inquiry for details.

B2B Virtual Account Payment Method

You can now find an exhaustive list of error codes pertaining to all B2B Virtual Account Payment Method APIs on the B2B Virtual Account Payment Method Error Codes page.

The codes are organized by API. 

Visa Direct

Visa Direct now offers a  new set of Alias APIs (i.e. Create Merchant Alias, Get Merchant Alias, Update Merchant Alias and Delete Merchant Alias) has been launched that enables acquirers to perform life cycle management of aliases used by their merchants to receive merchant payments and cash-out payments.  

Refer to Visa Direct Docs for more details.

Platform Updates

DigiCert CA Certificate

If you created a project prior to Sept. 11, 2018, and downloaded the GeoTrust Global CA certificate signed by Symantec to your truststore, please note Symantec has announced it will no longer be acting as a root certificate authority. To avoid service interruption, please add DigiCert Root CA to your truststore using this link: https://dl.cacerts.digicert.com/DigiCertGlobalRootCA.crt.

Return on Investment Calculator

You can now view the ROI calculator to input your data and see how using Visa Merchant Purchase Inquiry could benefit you. 

Refer to Visa Merchant Purchase Inquiry for details.

Use Cases

Partner Showcase - Finix Bank

Finix Payments uses Visa Direct to power the Finix push-to-card (P2C) platform that enables real-time debit card payouts for businesses, replacing traditional, slower methods such as paper checks and ACH transfers.

Refer to Finix Payments page for more details.

Identify Merchants Receiving Automatic Card Updates

Cardholder activates a replacement card and uses a mobile banking app to find out which merchants received automatic card updates over time.

Refer to Identify Merchants Receiving Automatic Card Updates use case for more details.

Identify Card on File Merchants Requesting Card Updates

Cardholder opted out of automatic card updates and uses mobile banking app to determine which merchants they want to update with their new card info.

Refer to Identify Card on File Merchants Requesting Card Updates use case for more details.

August 2018

Welcome to the Visa Developer August 2018 Release Notes that include key features introduced in this release.

API Updates

VisaNet Data Services

VisaNet Data Services assist Issuer and Acquirer and their processors with the data values to support creation of clearing files, correction of rejected transactions and appropriate interpretation and categorization of transaction data.

Refer to VisaNet Data Services for more details.

Visa Supplier Matching Service

Visa Supplier Matching Service now offers Bulk API that helps you easily identify your suppliers submitted within a bulk file that already accepts Visa Commercial Card. 

Refer to Visa Supplier Matching Service docs for more details.

Visa Direct

Visa Direct now offers Alias API that enables push payments using a commonly known identifier such as mobile number and email address instead of sensitive data of PAN to a Visa account. This is currently available only in select markets. Please contact your Visa representative for more information.

For details on how to use Alias as an identifier, refer to Visa Direct Docs.

Platform Updates

Outbound Configuration

Visa Developer now provides an option to delete the Outbound Configuration.

Refer to Outbound Configuration > Deleting Outbound Configuration for more details

Going Live with Foreign Exchange Rates API

Go to market faster using Foreign Exchange Rates API. If you are only using Foreign Exchange Rates API in your project, you can now complete and submit all Going Live tasks at one time, including price acceptance and contract completion and signing. You will be prompted to initiate contract completion and signing during the Going Live flow from the Visa Developer dashboard. Once the signed contract is uploaded to Visa Developer you can complete your project submission. 

Disclaimer: This contract has no binding effect for Visa until Visa provides Company with a countersigned version of the contract.

FAQs

You can now view several new FAQs on Certificate Expiration on the VDP Support page.

Use Cases

Partner Showcase - Ecobank

See how Ecobank uses Visa Direct to support mobile app features that allow customers to shop cash free with QR codes and send money to anyone in and across 33 African countries.

Refer to Ecobank page for more details.

Small Business Travel Experience

Visa wants to help Issuers support Small Business efforts to run their business more effectively. As part of their day-to-day, Small Business employees and owners may need to travel for conferences, trade show or buy inventory or supplies. Visa enables Issuers with tools that can help their small business cardholders have an enjoyable travel experience.

Refer to Small Business Travel Experience use case for more details.

July 2018

Welcome to the Visa Developer July 2018 Release Notes that include key features introduced in this release.

API Updates

Visa Token Service Provisioning and Lifecycle Management

Visa Network Hub Push Provision (NHPP) is a key capability which allows issuers to proactively push cards issued to the cardholder, into Token Requestors’ (TRs) or Card-on-File (COF) Merchant applications chosen by the cardholder. 

Refer to Visa Token Service Provisioning and Lifecycle Management docs for more details.

Platform Updates

Certificate Expiration

For all Two-Way SSL (Mutual Authentication) projects, inbound credentials have an expiration date. Once it is about to expire, you can request for a new set of credentials.

Note: This is now available in all three environments - sandbox, certification and production.

Refer to Certificate Expiration for more details.

Message Level Encryption

Visa Developer now provides Message Level Encryption for Visa Account Management Suite (VAMS). The APIs (e.g. Card-On-File Data API) will require you to use encryption in all environments (Sandbox and Production) as the payloads carry sensitive (PAN) data.

The Encryption/Decryption sample code is available on the Github.

Refer to Message Level Encryption Documentation for details on how to use encryption.

Working With Visa APIs

Check out Visa Developer new content page Working with Visa APIs that provides end-to-end process around engaging with our APIs and building a new project.

Visa Developer Error Codes

Learn more about common Visa Developer error codes and how to resolve them.

Refer to Visa Developer Error Codes for more details.

FAQs

Visa Developer now has new FAQs for the certificate expiration and renewal options.

Refer to Support page for details.

June 2018

Welcome to the Visa Developer June 2018 Release Notes that include key features introduced in this release.

Platform Updates

Certificate Expiration

For all Two-Way SSL (Mutual Authentication) projects, inbound credentials have an expiration date. Once it is about to expire, you can request for a new set of credentials.

Note: This is only available in the sandbox environment.

Refer to Certificate Expiration for more details.

Browse All APIs New Page Design

You can now view all Visa APIs or sort to find the APIs that meet your specific needs using our newly designed Browse All page.

Use Cases

Check Predictions and Reduce Wait

Give customers a one-glance overview of wait times for participating nearby restaurants via mobile applications, digital displays, websites, and more.

Refer to Check Predictions and Reduce Wait for details.

Small Business Employee Experience

Visa wants to help small business owners empower their employees to make purchases on behalf of the business -- in the office or on the go.  Visa also understands that small business owners want to stay in control of their business accounts.

See how Visa APIs help small businesses to digitally control employee business spend.

Refer to Small Business Employee Experience for details.

May 2018

Welcome to the Visa Developer May 2018 Release Notes that include key features introduced in this release.

API Updates

User Data

User Data API allows you to compare customer-provided information with verified data sources to help confirm name, physical address, email address, and phone numbers (VoIP, mobile, home). Potential uses include client onboarding, digital wallet provisioning, 3-D Secure authentication, and more. Refer to the User Data Overview for more details.

Note: This API is restricted and requires approval to access technical documentation. To request access, please contact developer@visa.com.

Visa Offers Platform

Visa Offers Platform (VOP) provides partners access to qualified Visa transaction data of enrolled cardholders. With this release, VOP is adding 6 new APIs to the existing suite of APIs:

  • Merchant Search API that allows clients to search unique merchant ids based on different merchant attributes.
  • Transaction Search API that allows clients to search the transaction of enrolled user on different transaction attributes.
  • 4 APIs that can be used to query user, offer, activation and deactivation metadata. 

Note: These API are restricted and require approval to access technical documentation. To request access, please contact developer@visa.com.

Platform Updates

Going Live with Visa Developer Project

Visa Developer now has a new process called Going Live that allows you to for promote your project from the sandbox to the certification or production environment.

To submit your project to Visa for review and approval, simply go to the dashboard and select Going Live. The dashboard walks you through the detailed steps and processes to complete the application for the credentials for your project. Based on your profile and your project’s use case, you will be asked to provide specific details that will help Visa evaluate your request.

Refer to Going Live with Visa Developer for details.

Outbound Configuration

Visa Developer now provides you the ability to register and activate your outbound configuration used by Visa Transaction Controls. Once your outbound configuration is approved for a project, Visa Developer’s automated workflow engine provides you certificates used to ensure secure message delivery.

Refer to Outbound Configuration for more details

Use Cases

Manage Overseas Spend

Provide an option to your cardholders to block international transactions when they are not traveling and / or allow purchases in select countries.

Refer to Manage Overseas Spend for details.

Keep Your Card Top-of-Wallet

Issuer enables the Visa card to be securely and conveniently used in digital wallets in order to keep the card top-of-wallet and remove the need to re-issue a card when a device with a digital wallet is lost.

Refer to Keep Your Card Top-of-Wallet for details.

April 2018

Welcome to the Visa Developer April 2018 Release Notes that include key features introduced in this release.

API Updates

Visa Data Privacy Request Manager

The Visa Data Privacy Request Manager APIs provide support to Visa Client Issuers and Acquirers in relation to Data Subject Rights (DSR) requests, in particular in relation to requests made under the General Data Protection Regulation (GDPR).

Refer to Visa Data Privacy Request Manager for details.

Use Cases

Turn Your Card On or Off

At the touch of a button, cardholders can temporarily disable or enable the use of their card.

Refer to Turn Your Card On or Off for details.

Cyber Threat Hunting

Search for malicious activity inside payment systems and networks using the latest threats to the payment ecosystem. Visa Threat Intelligence helps cyber threat hunters detect activity from adversaries targeting payment data. It provides high quality Indicators of Compromise (IoCs) along with contextual information to help cyber security operations protect their own systems from attack by recognizing the characteristics of threat actors who continually target the payments ecosystem. 

Refer to Cyber Threat Hunting for details.

March 2018

Welcome to the Visa Developer March 2018 Release Notes that include key features introduced in this release.

Partner Showcase

Visa Developer launches the Partner Showcase highlighting how our partners from all around the world are using the APIs to build innovative commerce experiences for their customers. Refer to the Partner Showcase landing page for examples, testimonials, demos and more.

Small Buisnesses

Visa Developer now offers a quick filtering on APIs that can be leveraged by issuers to build solutions for small businesses. Refer to API Browser for a complete list of APIs available for small businesses.

February 2018

Welcome to the Visa Developer February 2018 Release Notes that include key features introduced in this release.

API Updates

Visa Checkout

In addition to working with a processor or PSP,  you can now create a relationship with a Visa Checkout partner, granting the partner access to manage Visa Checkout on your behalf. These partners have already integrated with Visa Checkout and, depending on your needs, can provide integration and operational expertise to access and manage your Visa Checkout configuration and/or handle transactions for you.

A Visa Checkout partner provides Visa Checkout services on behalf of merchants. You can manage the Visa Checkout relationship and offer services to match your expertise. 

Refer to Visa Checkout Docs for more details on how to create a partner relationship and how to become a partner. 

Visa Token Service

This API is now restricted and requires approval to access technical documentation. To request access, please contact developer@visa.com.

Use Cases

Visa Developer now offers a use case section that explains how Visa APIs can be leveraged. Check out real-world scenarios for using Visa APIs and see how API functionality could solve business problems. This section will continue to grow as more use cases are introduced.

Refer to the Use Cases landing page to view a list of the current Visa API use cases with a summary.

Enroll, Travel and Transact

Cardholder enrolls in Mobile Location Confirmation service, travels to a new location and confidently makes a purchase transaction.

Refer to Enroll, Travel and Transact for details.

Set Notice Online, Travel and Transact

Cardholder sets a travel notice through mobile banking app or online banking, travels to reported destination, and confidently makes a purchase transaction.

Refer to Set Notice Online, Travel and Transact for details.

Set Notice by Phone, Travel and Transact

Cardholder sets a travel notice by calling issuer’s call center, travels to reported destination, and confidently makes a purchase transaction.

Refer to Set Notice Phone, Travel and Transact for details.

Standards and Guidelines

Visa 3DS 2.0 User Experience Guidelines

These are user experience guidelines for Three-Domain Secure 2.0 (3DS 2.0) authentication on web and native applications. The guidelines were designed by answering a simple question: How to deliver the best possible experience for your customers and keep transactions safe and secure? By incorporating these guidelines, issuers, processors, and merchants can take advantage of the greater fraud protection through authentication while providing a great user experience.

Refer to Visa 3DS 2.0 User Experience Guidelines for details.

Platform Updates

Registration Process

Visa Developer has an updated registration process. You will see new form fields that will help us better customize our content to your needs. 

Terms of Use

The Visa Developer Center has new terms and conditions that apply to all users who registered on or after February 26, 2018, as well as to prior registrants that have accepted or are deemed to have accepted the February 26, 2018 terms and conditions following any applicable notice period. All other registrants are subject to the terms and conditions as of July 17, 2017.

Refer to Terms of Use for details.

FAQs

You can now find new FAQs on the unification of Visa Digital Solutions platform with Visa Developer Center on our Support page.

January 2018

Welcome to the Visa Developer January 2018 Release Notes that include key features introduced in this release.

API Updates

Visa Merchant Purchase Inquiry

Visa Merchant Purchase Inquiry provides Visa merchants the ability to respond to cardholder inquiries around unrecognized transactions (and other dispute categories) PRIOR to a chargeback/dispute by providing relevant supplemental merchant information, in close to real-time.

Refer to Visa Merchant Purchase Inquiry docs for details.

CyberSource Payments

CyberSource Payments APIs Version 2 is now available for public consumption. Refer to CyberSource Payments docs for details. Version 1 is now restricted.  If you have any queries, contact developer@visa.com.

Visa Transaction Alerts

Visa Transaction Alerts (VTA) APIs are now contained within Visa Transaction Controls, allowing more flexibility and additional features, all while reducing needed APIs and development. The VTA APIs are no longer available on Visa Developer Center.  If you have any queries, contact developer@visa.com.

Visa Direct

Refund API and Query API  are no longer restricted APIs. Linked API Version 1 is now restricted.  Transaction emulator that facilitates developers to perform self-service testing of Receive Side Callback API is now available for public consumption. 

There are some changes in the API references of Funds Transfer API, mVisa API and Receive Side Callback API. 

Refer to Visa Direct docs for details.

Standards and Guidelines

Visa Sensory Branding

In a digital world where payment experiences are increasingly automatic and invisible, delivering consumer confidence in a payment transaction can be a challenge. Visa Sensory Branding is a suite of sensory brand marks (animation, sound, and haptic) created for such environments on web, mobile, and physical retail point of sale. The Visa brand universally signifies trust, security, and an understanding of available payment options, and these sensory cues were designed to evoke the same emotions that a traditional Visa brand mark would in a physical payment experience. 

Refer to Visa Sensory Branding docs for details.

Solutions

Visa Developer now offers a new solution that combines products to solve digital pain points and address common use cases.

Enhanced Accounts Payable Experience

Enhanced Accounts Payable Experience accelerates and streamlines the accounts payable process.

Refer to the Solutions page to easily navigate to all Visa Developer Solutions.

Platform Updates

Message Level Encryption

Message Level Encryption (MLE) provides enhanced security for message payloads by using asymmetric encryption technique (public-key cryptography). You can generate the encryption/decryption key pairs in the Sandbox, Certification, or Production environments. Currently, MLE is implemented for Visa Payments Processing APIs only. 

Refer to the Message Level Encryption docs for details.

October 2017

Welcome to the Visa Developer October 2017 Release Notes that include key features introduced in this release.

API Updates

Identity Documents

Identity Documents seeks to help you make better decisions when authenticating users by evaluating if an image depicts a user’s genuine physical identification document (driver's license, passport, military ID, etc.).

Refer to the Identity Documents Overview for more details.

Biometrics

Use biometrics like eyes, face, fingerprint, and voice to create simpler authentication experiences to satisfy customer needs for simplicity and speed.

Refer to the Biometrics Overview for more details.

User Data

Compare customer-provided information with verified data sources to help confirm name, physical address, email address, and phone numbers (VoIP, mobile, home).

Refer to the User Data Overview for more details.

Device Data

A unique device profile is created by examining a combination of hardware, software, and location attributes.

Refer to the Device Data Overview for more details.

Visa Transaction Controls

Visa Consumer Transaction Control is now renamed to Visa Transaction Controls (VTC) in recognition of the product’s expanding card control functionality that supports Visa Corporate and Visa Business travel and entertainment card purchase activity. Additionally, VTC will expand its notification capability to include “last-mile delivery” directly to the cardholder on the issuer’s behalf using email, SMS text message, or in-app push notification.

Platform Updates

Glossary

Visa Developer introduces a new Glossary page that defines basic terms used in the documentation.

September 2017

Welcome to the Visa Developer September 2017 Release Notes that include key features introduced in this release.

API Updates

Visa Queue Insights

Visa Queue Insights provides predicted wait times for merchant locations based on consuming transaction-based intelligence and historical data from both Visa and external data sources. The capability is powered by a machine-learning prediction engine that utilizes crowdsourced feedback.

Refer to the Visa Queue Insights Docs for more details.

Visa Threat Intelligence

Visa Threat Intelligence helps you detect and protect against cyberattacks targeting payment data. It provides high-quality Indicators of Compromise (IoCs) that draw on Visa’s unparalleled visibility into the global payments ecosystem.

Refer to the Visa Threat Intelligence Overview for more details.

Visa Account Management Suite

Visa Account Management Suite provides information about the merchants with whom cardholders have stored their cards on file and when the merchants have received updated card details, in the event of card reissuance.

Refer to the Visa Account Management Suite Docs for more details.

Platform Updates

Support

Visa Developer introduces a new Support page with a list of frequently asked questions and details on how to get Support.

August 2017

Welcome to the Visa Developer August 2017 Release Notes that include key features introduced in this release.

API Updates

Visa Chip Simulation Service

Visa Chip Simulation Service enables simulation of contact and contactless transactions based on Visa chip standards, and may serve as a test simulation for chip and mobile transaction applications.

Refer to the Visa Chip Simulation Service Docs for more details.

Visa Card Eligibility Service

Visa Card Eligibility Service now enables you to validate the card and track redemption post purchase using the new Visa Card Eligilibility IFrame API. This API can be used by partners who do not have access to PAN data as part of their usecase.

Refer to the Visa Card Eligibility Service Docs for more details.

Solutions

Visa Developer introduces two new solutions that combine products to solve digital pain points and address common use cases.

Credential-on-file Experience

Credential-on-file Experience provides enhanced transparency and control over credential-on-file payments.

Enhanced Funds Transfer Experience

Enhanced Funds Transfer Experience enables fast, simple, secure funds transfer directly to any eligible debit or prepaid card.

Refer to the Solutions page to easily navigate to all Visa Developer Solutions.

Platform Updates

Regional Availability

You can now access regional availability for APIs from the API Docs.

July 2017

Welcome to the Visa Developer July 2017 Release Notes that include key features introduced in this release.

API Updates

Visa Account Updater

Visa Account Updater enables a secure electronic exchange of account information updates between participating Visa card issuers and acquirers for credential-on-file merchants, which enables a more seamless payment process. 

Refer to the Visa Account Updater Docs for more details.

Visa Payments Processing

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.

Refer to the Visa Payments Processing Docs for more details.

Issuer Measurement

Issuer Measurement provides insight into how well your issuing portfolio is performing over time. For example, by using an aggregated and de-identified transaction dataset, you can compare payment volume growth against a benchmark of competitors.

Refer to the Issuer Measurement Docs for more details.

Solutions

Visa Developer introduces two new solutions that combine products to solve digital pain points and address common use cases.

Enhanced Travel Experience

Enhanced Travel Experience enables you to provide a seamless payment experience regardless of your location.

Enhanced Merchant Information

Enhanced Merchant Information lets you reduce customer support inquiries and unnecessary chargebacks.

Refer to the Solutions page to easily navigate to all Visa Developer Solutions.

Platform Updates

  • New Product Availability Matrix that lists the regional availability for all products on Visa Developer.
  • New consolidated Product Docs page that now includes Things to Know and Guides with easy navigation to the Getting Started with Visa Developer Guide and Product API Reference.
  • New Share feature that lets you share the site pages via social media or emails.
  • New Docs page to easily navigate to the Visa Developer Global Docs and Product Docs.
  • Updated Getting Started with Visa Developer Guide with new content on Outbound Callbacks and Promote Project.
  • Updated Terms of Use and Privacy Notice that contain changes related to Visa Developer usage in Europe.

June 2017

Welcome to the Visa Developer June 2017 Release Notes that include key features introduced in this release.

API Updates

Visa Supplier Matching Service

The Visa Supplier Matching Service is the fast, efficient way to identify suppliers that accept Visa Commercial payment products, so you can reduce time-consuming and labor-intensive paper-based invoice processing and check writing.

Refer to the Visa Supplier Matching Service Docs for more details.

Visa B2B Connect

Visa B2B Connect is a business-to-business payment service that Visa is developing for pilot with participating banks to allow their corporate clients to pay their vendors and be paid by their own customers. Visa B2B Connect is designed to specifically address the challenges with traditional cross-border and cross-currency non-card payments. The full suite of Visa B2B Connect APIs will allow participating pilot banks or their technology partners to develop an end-to-end B2B payments solution for cross-border and cross-currency transactions.

Refer to the Visa B2B Connect Docs for more details.

Visa Business Data Solutions

Visa Business Data Solutions provides set of capabilities to make strategic decisions based on Data-driven insights. The solutions enables fast, flexible and simple way to access commercial card data. It offers new way to access the data on demand. The API provides seemless integration model for commercial clients.

Refer to the Visa Business Data Solutions Docs for more details.

May 2017

Welcome to the Visa Developer May 2017 Release Notes that include key features introduced in this release.

API Updates

Payment Account Attributes Inquiry

A new version of the Funds Transfer Attribute Inquiry API (v2) has been recently launched to ensure that this API returns information about all the networks clearly. Originators planning to use the Push Payment Gateway Service to connect to the other US Debit Networks can now use this API to get PAN attributes for each network separately. 

Refer to the Payment Account Attributes Inquiry Docs for more details.

April 2017

Welcome to the Visa Developer April 2017 Release Notes that include key features introduced in this release.

API Updates

Visa Card Eligibility Service

Visa Card Eligibility Service (VCES) enables Visa client, merchants and developers to check for eligibility to offers and benefits based on the card number subject to terms and restrictions. The eligibility criteria may range from broad to more granular card attributes and can include access based on number of purchases of the offer or benefit done in the past. The attributes of the card (issuer BID, card product etc.) can be returned for an eligible card meeting the qualification criteria of the offer or benefit. You can configure the multiple 'Eligibility Level' for the same offer and return in the response for an eligible card, which could be used to create customer access levels. 

Refer to the Visa Card Eligibility Service Docs for more details.

B2B Virtual Account Payment Method

B2B Virtual Account Payment Method involves a suite of APIs, which allows you to use virtual accounts to automate the process of paying your suppliers. The APIs can enable you to develop flexible solutions across industries and segments. Whether it is a virtual account embedded within the procure-to-pay cycle, a virtual account used for payer-to-provider payments or a virtual account used in the travel booking process, the B2B Virtual Account Payment Method will streamline the payment process.

Refer to the B2B Virtual Account Payment Method Docs for more details.

Digital Card and Account Services

Digital Card and Account Services offers a new Card Services API that allows issuers and partners the ability to manage cardholder’s card and account information, notification settings and balance information. 

Refer to the Digital Card and Account Services Docs for more details.

Visa Offers Platform

Visa Offers Platform (VOP) connects clients with their cardholders in innovative ways. VOP provides seamless offer redemption process with no coupons or codes and no new hardware of software required for merchant integration. Cardholders can enroll in VOP system and become eligible for offers and promotions setup by the client. 

Refer to the Visa Offers Platform Docs for more details.