Checkout: The Checkout operation utilizes the Consumer chosen Digital Card and details of the current transaction to retrieve Payment Data and payment related data.
Initiate Identity Validation: The Initiate Identity Validation operation initiates a process to validate that a Consumer is in the possession of or has access to, the Consumer Identity claimed.
Complete Identity Validation: The Complete Identity Validation operation determines whether data, provided by the Consumer as part of a second step of an identity validation process, is valid. It can also be used to check whether an out-of-band service was successful.
Identity Lookup: The Identity Lookup operation uses a provided consumer identity (email address or mobile phone number) to determine whether it is associated with an SRC profile.
Availability: Public
Scan to Pay:
QR Transaction Status Enquiry: API to retrieve the QR transaction status
Availability: Restricted
B2B Virtual Account Payment Method:
Account Management service:
Create offers under a Merchant: Creates or updates offers for existing merchants. The merchant must already exist in the system. This endpoint only accepts merchantId, merchantName, action, and offers fields.
Bulk Requisition Service: Unified endpoint for bulk virtual account operations. The action is determined by the 'action' field in the request body
Get All Payment Credentials: Get all payment credentials by alias id.
Update Alias: Update Alias by Alias Id
Get Alias Id from Value: Get Alias Id from Alias Value
Get Alias: Get Alias by Alias Id
Delete Alias: Delete Alias by Alias Id
Update Payment Credential: Update Payment Credential by paymentcredential Id.
Get Payment Credential: Get payment credentials by paymentcredential Id.
Availability: Public
New Endpoints:
Click to Pay:
SRC Passkey:
GSPA Checkout: The Checkout operation utilises the Consumer’s chosen Digital Card and details of the current transaction to retrieve the payment related secure data. If present in the checkoutResponse attribute, the encryptedPayload or encryptedSignedPayload encrypted according to JSON Web Encryption (JWE) specification RFC 7516 and the algorithm used for encryption is according to RFC 7518, Section 4.1
Availability: Restricted
Visa Offers Network:
Offers Service:
Create offers under a Merchant: Creates or updates offers for existing merchants. The merchant must already exist in the system. This endpoint only accepts merchantId, merchantName, action, and offers fields.
Update Offers for a Merchant: Updates existing offers for merchants. Use this endpoint to modify offer details, change offer status, or activate/deactivate offers.
Get Offers for a Specific Merchant: Retrieves all active offers associated with a specific merchant. Returns an array of offers with complete details including dates, discounts, and status.
Delete Offer for a Merchant: Soft deletes a specific offer by marking it as inactive. The offer record remains in the system but is no longer visible in active queries or available for customer use.
Create New Offers - Generic: Transforms the request payload based on client-specific mappings and forwards to /v1/offers. Requires X-GOR-CLIENT-ID header for client identification.
Update Offers - Generic - Transforms the request payload based on client-specific mappings and forwards to /v1/offers. Requires X-GOR-CLIENT-ID header for client identification.
Eligibility Service:
Get Segments By User ID: Returns segment details for the provided request parameters. Requires X-GOR-CLIENT-ID header for user enrollment validation.
Get Segments by Card ID: Returns segment details for the provided request parameters. Requires X-GOR-CLIENT-ID header for user enrollment validation.
Get Merchant Ranks by User ID: Returns merchantsRanks details for the provided request parameters.
Get Merchant Ranks by Card ID: Returns merchantsRanks details for the provided request parameters.
Payout Service:
Payout Request - Generic: Transforms the request payload based on client-specific mappings and forwards to /v1/payout. Requires X-GOR-CLIENT-ID header for client identification.
Ledger Service:
Ledger Add Event - Generic: Transforms the request payload based on client-specific mappings and forwards to /v1/event. Requires X-GOR-CLIENT-ID header for client identification.
Consumer Enrollment Service:
Consumer Enrollment Opt In - Generic: Transforms the request payload based on client-specific mappings and forwards to /v1/optIn. Requires X-GOR-CLIENT-ID header for client identification.
Availability: Restricted
Visa Pilot Program Enablement:
QR Wrapper Service:
tranEnquiry: API provides services to retrieve Payment details for CYBS Flow
Availability: Restricted
January 2026
Product Updates
New Product:
Payment Account Tokenization: Payment Account Tokenization (PAT) is a Demand Deposit Account (DDA) tokenization solution following the same paradigm asa Token Service Provider, such as VTS. PAT substitutes a bank account number and replaces this with a surrogate value. This surrogate value is used for an RTP/ACH transaction. This enables banks to manage account payment risk exposure in several payment use cases (p2p, biller, RFP, open banking, wallets, etc.) by replacing account numbers with account tokens linked to attributes and token rules.
Availability: Public
Visa Accounts Receivable Manager(Visa AR Manager): Visa Accounts Receivable Manager (Visa AR Manager) is designed to grow and maintain existing virtual card volume by automating the virtual card transaction process, addressing a significant pain point for B2B accepting merchants.
Availability: Public
New APIs:
Visa Digital Wallet Enabler:
TR HCE API: TR HCE API
Get Keys: This message is used by the token requestor to request the keys from the TSP.
Get Provisioning Data: This message is used by the token requestor to fetch the provisioning data.
Availability: Public
Visa Direct Connect:
Visa Direct Connect SDK: APIs for Visa Direct Connect SDK
Update Preferred Payment Credential: Update a payment credential as the preferred card
Availability: Restricted
Visa Id & Credential:
Batch Solution: Placeholder API for onboarding clients to VICA Batch solution
Batch Enrollment and LCM Solution: Batch Enrollment and LCM Solution
Availability: Restricted
Visa Pilot Program Enablement:
VDCM Card Services: VDCM Card Services
Post Card Look Up: Post Card Look Up
Availability: Restricted
Visa Processing Performance Monitor:
DPS API: These APIs provide DPS transactions stats such as STIP and Declines.
Get Stip Statistics: Retrieve Stand-In Processing data summary
Get Decline Statistics: Retrieve decline data summary
Availability: Restricted
New Endpoints:
Alias Directory Service:
Alias Resolution:
Alias Confirm: Retrieve information about an Alias and the payment credential(s) associated with the Alias. This will help confirm the identity of the person associated with the alias, ensuring secure and accurate transactions.
Availability: Public
Visa Pilot Program Enablement:
QR Wrapper Service:
Enhanced Lookup: This Enhanced Lookup API is used by the wallets to get additional Merchant information by passing the scanned QR payload
Refund Cybersource: Refund Cybersource API end point is used to void or refund the authorized transaction based on the time limit configured for each QR Connector
Place Order: Place Order, hosts API end point to place the order to AliPay
Availability: Restricted
Product Name Change:
Visa AR Manager:
Changed product name to Visa Accounts Receivable Manager