Disclaimer: Specific product compliance requirements need to be adhered to in the implementation. Please refer to the descriptions and documentation under the above links for particular requirements and eligibility with respect to each capability.
1. Actual fund availability varies by financial institution. Visa requires U.S. issuers to make funds available to its cardholders within a maximum of 30 minutes of approving the transaction.
2. Clients must ensure that all stages of transaction processing including transaction submission (Visa Direct APIs), financial settlement, dispute management, and reporting are in place before launching a Visa Direct program using the APIs. Please refer to Visa Direct documentation for details on the Visa Direct program requirements and eligibility.