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2018

November 2018

API Updates

  • Visa DPS - A new open platform that gives our clients and partners access to Visa’s payments technology, products and services. Refer to Visa DPS for more details.
  • Device Data - When a user visits your web or mobile application, Device Data enables you to create a unique device profile using IP address, browser, operating system, and other attributes from the browsing session. Device Data will analyze these attributes against a risk assessment policy, which you select based on your use case, and return risk assessment results that can be used to help you make an authentication decision. Refer to Device Data for more details.
  • Visa Supplier Matching Services - Visa Supplier Matching Service is now available in three new countries Indonesia, Malaysia and Thailand.
  • Merchant Search and Merchant Locator - Merchant Search and Merchant Locator APIs are now available in Canada. 

Platform Updates

Visa Developer Community - If you are logged into Visa Developer, you are no longer required to sign in again for the Visa Developer Community.

Use Cases

  • Partner Showcase - John Paul
    John Paul uses Visa Card Eligibility Service and Visa Global ATM Locator APIs in their white label concierge app to improve Visa cardholder experiences and increase loyalty for issuers. Refer to John Paul use case for more details.
  • Partner Showcase - Zenith Bank
    Zenith Bank uses Visa Direct (mVisa) to power its scan to pay app, with the goal of providing a fast, simple and secure way of making payments by scanning QR codes with a smart phone. Refer to Zenith Bank use case for more details.
  • Partner Showcase - Impesa
    Impesa incorporates several Visa APIs into Layla, a white label, smart virtual agent for financial institutions. Refer to Impesa use case for more details.
  • Enable Simple Digital Credential Loading
    Visa enables issuers to gain push provisioning capabilities with a host of merchants and wallets, without the need to contract and integrate with each Token Requester 1-1. Refer to Enable Simple Digital Credential Loading use case for more details.
  • Transaction Recognition: Dispute or Legitimate Purchase?
    Provide purchase details to cardholders to confirm purchases are legitimate and/or if fraud has occurred. Refer to Transaction Recognition use case for more details.

September 2018

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

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

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. Refer to Certificate Expiration for more details.

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

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. Refer to Certificate Expiration for more details.

    Note
    : This is only available in the sandbox environment.
  • 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

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

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

Platform Updates

  • 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 Businesses Experience - 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

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.

New Use Cases Launched:

  • 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.

Platform Updates

  • 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.
  • 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

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.

Platform Updates

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.
  • 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.