Enhanced Funds Transfer Experience

Fast, simple, secure funds transfer directly to any eligible debit or prepaid card.

Provides eligible participants with the ability to instantlytransfer funds, improve cash flow and create greater convenience for your customers.

Available for use by

Acquirer Banks
Independent Developers

Regional Availability

Global except Europe

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Visa's Funds Transfer Solution

Using Visa's collection of APIs empowers users to send person-to-person transfers as well as corporate or merchant disbursements of funds. This comes in handy for things like tax refunds, insurance claims, rebates or affiliate or contractor payouts. Individually, these APIs are powerful, but together, it creates a combo experience that helps through the entire customer lifecyle - from validation to funds transfer. Help your customers get their funds. 

Capabilities and Scenarios

The use of Visa Directenables the transfer of funds to eligible debit and prepaid cards.

 

To help ensure smooth operation, validate whether a card can support successful transfer of funds using Payment Account Validation and Payment Attributes Inquiry. The ability to pre-validate an eligible account and screen for lost, stolen, or expired accounts increases the probability of a successful and more seamless transaction flow.

 

While enabling your eligible customers to quickly transfer funds, increase the protection of sensitive card information from theft and fraud using Visa Token Service. Handle sensitive card information using a unique digital identifier called a token that facilitates payments processing without exposing actual account details. 

Help reduce disruption in service due to outdated credential-on-file information by participating in Visa Account Updater program.

Key Benefits

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Improve cash flow by making funds available quicker.

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Enable fast point to point payments, disbursements, reimbursements and refunds.

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Reduce friction in the payments lifecycle by providing a more seamless funds transfer experience.

APIs Used

Visa Direct

The use of Visa Direct enables the transfer of funds to eligible debit and prepaid cards.

Payment Account Validation

Validate whether a card can support successful transfer of funds using Payment Account Validation.

Payment Attributes Inquiry

The ability to pre-validate an eligible account and screen for lost, stolen, or expired accounts increases the probability of a successful and more seamless transaction flow.

Visa Token Service

Increase the protection of sensitive card information from theft and fraud using Visa Token Service.

Visa Account Updater

Help reduce disruption in service due to outdated credential-on-file information by participating in Visa Account Updater program.

Ready to Work with these APIs?

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.