Our Getting Started Guide gives you an overview of how the Visa Direct program works, and walks you through what you’ll need to know before signing up.
Sign up for a Visa Developer account and get access to the Visa Direct sandbox.
Who Can Use It
To offer Visa Direct, you’ll need to be a Visa Principal member, have a Visa acquirer POS license, or be sponsored by a Visa member as a third party. Final deployment is subject to approval by Visa. To determine your eligibility, contact your Visa representative or email us at email@example.com
Visa Direct is a payment service that lets people send money to millions of eligible Visa accounts around the world through the Original Credit Transaction (OCT). Visa Direct consumer and business applications include:
- Money Transfer: Consumers can send funds to their Visa account or to another person’s Visa account.
- Prepaid Load: Consumers can load/reload funds to a Visa reloadable prepaid card in participating countries.
- Credit Card Bill Pay: Consumers can pay a Visa credit card bill.
- Funds Disbursement: Merchants can disburse funds to their customers' Visa accounts.
How It Works
A consumer can send payments and transfers to another consumer’s eligible Visa card, or to his/her own Visa card. Visa Direct makes it convenient to split expenses, pay personal IOUs, send remittances, reload a prepaid card, or pay a Visa credit card bill.
Merchants, government entities, or corporations can send funds to another consumer’s eligible Visa card. Visa Direct enables payments and transfers such as insurance claims, corporate and manufacturing rebates, affiliate and contractor payouts, expense reimbursements, and government disbursements (such as value-added tax refunds).