The Authorization API can be used by any developer in the Sandbox. To use a complete suite of the VisaNet Connect - Acceptance APIs in the Sandbox, Certification or Production you must be pre-approved by your acquirer and Visa. The approval process is available as part of Production Onboarding. Use of the APIs is subject to the use restrictions and other terms and conditions set forth in the applicable agreement. For further information, contact [email protected].
The following table lists the regional availability for VisaNet Connect - Acceptance APIs. To view availability of all products, refer to the Availability Matrix.
| North America | Asia-Pacific | Europe | CEMEA | LAC | Notes |
|---|---|---|---|---|---|
The VisaNet Connect - Acceptance APIs enable Visa clients – acquirers, acquirer-processors, and approved technology partners – to process payments through a direct interface to Visa’s global payment system to authorize, clear, and settle payments. Clients can quickly and securely process payments solutions over a simple internet connection to VisaNet, eliminating the need for installing hardware at the client’s site.
The VisaNet Connect - Acceptance APIs offer a suite of RESTful APIs that allow clients to establish a direct connection to VisaNet over the public internet using ISO20022 ATICA data dictionary and naming standards. A functional sandbox environment is available for clients to prototype their integration. Once in production, Visa clients can process card or token-based payment requests for various payment solutions and scenarios.
The following infographic illustrates how the APIs function.
Step 1: Cardholder can initiate a PAN or token-based payment request for In Store (POS) purchases, Online (eCommerce, MOTO), installments, recurring payments, bill payments, debt repayments and more.
Step 2: Client host sends payment requests directly to Visa over the internet via VisaNet Connect - Acceptance APIs.
Step 3: Visa validates the client, translates the API messages, and augments those messages with additional data for the issuer to use in making a payment decision. Visa then routes the payment request to issuer.
Step 4: Issuing bank approves or declines the payment request and responds to Visa with the decision.
Step 5: Visa receives issuer payment decision, translates the response message into an API message, and routes this back to the client.
Step 6: Client receives settlement and related reports from Visa either directly or through sponsor bank – Visa sends acquiring bank the daily settlement reports and all transaction details. The acquirer performs settlement and routes end-of-day reports back to the client via VisaNet.
* Clients may include acquirer processors, payment facilitators and merchants where sponsored by Acquirer and approved by Visa.
Authorization API
The Authorization API is used to request approval of PAN or token-based transactions. To enable the clearing and settlement of an approved transaction, a subsequent Capture API request is required.
In addition to Authorization API, VisaNet Connect - Acceptance also offers the following APIs that are restricted. To access the following APIs in sandbox, certification and production you must be pre-approved by your acquirer and Visa. For further information, contact [email protected].
Capture API
The Capture API is used to initiate the clearing and settlement of a previously approved authorization request. The Capture API request should be submitted as soon as a client fulfills a customer’s order and must be within 30 days of the original authorization request.
Sale API
The Sale API is used for a purchase when goods or services are delivered immediately to the consumer.
Refund API
The Refund API is used to submit credit vouchers or merchandise returns for card and token based transactions.
Void API
The Void API can be used to reverse an outstanding or previously approved transaction. Voids can be also be submitted in case of time-outs.
Verification API
The Verification API can be used to validate cardholder account information. Account verification is supported for both Visa and non-Visa brands*.
* Non-Visa brands include payment networks supported by Visa Authorization Gateway Service.
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