Visa Direct Connect
An enablement service that consolidates access to Visa Direct money movement offerings to simplify client integration
available for use by
Issuer Banks
Acquirer Banks
Merchants
Independent Developers
Regional Availability
View Details- N. America
- Asia-Pacific
- Europe
- CEMEA
- LAC
FEES & TERMS
Free to use in Sandbox. Contact Visa for fees in Production.
Visa Direct Connect reduces the effort to integrate with money movement methods, routes and endpoints supported by Visa Direct.
With an increasing number of routes available to move funds, the complexity of integration to different networks and business logic delays a client’s time to market and may ultimately have a negative impact on revenue. Visa Direct Connect provides clients with an additional option to integrate with Visa Direct, streamlining access to multiple payment endpoints through a single API interface. It orchestrates the connection to pre-transaction, transaction, and post transaction use cases across all supported payment methods such as to eligible cards, accounts, or wallets.
Visa Direct Connect can simplify onboarding, integration, messaging and troubleshooting tasks for clients.
Key Features
Reduce Efforts
Integrate with one set of APIs for accessing all Visa Direct money movement capabilities between eligible consumers and/or businesses
Product Simplification
Consolidate Money Movement product offerings and ease access to Visa Products with fewer API URLs and fields
How It Works
Visa Direct Connect supports the same number of use cases, offered by all products within Visa Direct, with approximately 50% fewer API endpoints (depending on Visa Direct product or service) compared with connecting to each product or service individually. Examples include:
- Sending payouts to Visa Direct for Account, Visa Direct for Wallet, and Visa Direct for Card using one set of APIs instead of two or three sets of APIs depending on which products a client chooses to enable for payouts.
- Payload validation, account verification and eligibility checks for account, wallet, and card through one API endpoint.
Visa Direct Connect reduces the number of API endpoints by orchestrating transactions across the services offered by Visa Direct Connect.
Visa Direct Connect uses profiles that are specific to payment products, setup for clients at the time of onboarding, to simplify payloads and API integration. This helps simplify API requests i.e., fewer fields per API request.
Visa Direct Connects' orchestration across Visa Direct for Account, Visa Direct for Wallet, and Visa Direct for Card
How It's Used
Clients can use Visa Direct Connect to enable their customers to send payouts to eligible accounts, wallets, and cards.
A Sender initiates a payment via a website or app and the originator submits data for that payment to Visa Direct Connect.
Visa Direct Connect uses the payload characteristics to identify whether the payout is to Visa Direct for Account, Visa Direct for Wallet, or Visa Direct for Card. There is no change to how payments are processed through to the Recipient.
For more information about Visa Direct for Account and Visa Direct for Wallet, see Visa Direct for Account and Visa Direct for Wallet Overview.
For more information about Visa Direct for Card, see Visa Direct Overview.
APIs Included
Validate Payout API
The Validate Payout API allows Originating Entities, Acquirers, Merchants or Service Providers to validate the transaction before calling Send Payout API, helping increase the probability of successful payout leading to a more consistent consumer experience.
Send Payout API
The Send Payout API allows Originating Entities, Acquirers, Merchants or Service Providers to send a payout request to push funds to eligible accounts, wallets, or cards.
Request Exception API
The Request Exception API permits a client or sender to execute several actions, including the cancellation of Account or Wallet transactions, OCT adjustments, AFT reversals, and AFT adjustments.
Query Payout API
The Query Payout API allows Originating Entities, Acquirers, Merchants or Service Providers to query the status of a payout request. It can also be used to view the status of an Account Funding Transactions (pull funds) request.
Get Account Balance API
Visa Direct for Account and Visa Direct for Wallet only The Get Balance API allows Originating Entities to check the balance of their Virtual Account(s) associated with Visa Direct for Account and Visa Direct for Wallet programs for each associated currency.
Get Posting Calendar API
Visa Direct for Account and Visa Direct for Wallet only The Get Posting Calendar API allows Originating Entities to retrieve the posting calendar for a currency and country combination for specific dates.
Payout Status Notification API
Visa Direct for Account and Visa Direct for Wallet only The Payout Status Notification API enables Visa to provide payout status updates to Originating Entities.
Payout Return Notification API
Visa Direct for Account and Visa Direct for Wallet only The Payout Return Notification API allows Originating Entities to receive notifications about returns associated with their payouts.
Ledger Notification API
Visa Direct for Account and Visa Direct for Wallet only The Ledger Notification API allows Originating Entities to receive notifications about funding, journal, and repatriations.
Balance Notification API
Visa Direct for Account and Visa Direct for Wallet only The Balance Notification API allows Originating Entities to view the balance of each currency for their Virtual Account(s).
Disclaimers
¹Actual fund availability varies by receiving financial institution, receiving account type, region, and whether transaction is domestic or cross-border.