I'm bit new to this whole implementation of Visa API to issuer bank, need few clarification
1. For "Debit Card Inquiry" api in "DPS Card and Account Services", the request parameters has two mandatory parameters "directDebitAccountNumber" and "routingNumber". For "directDebitAccountNumber" is it referring to the customer savings account number or is it some internal account number not known to end customer and only used for interaction between bank and Visa. How different is "directDebitAccountNumber" is from "primaryAccountNumber".
2. For "Customer Rules API" in "Visa Transaction Control", after going through the docs my understanding is when a customer registers a card for VTC a document_id is generated for the that particular card. Now when different controls are configured by the customer for that particular card they are all linked to the previous generated document_id. Can there be a case when a particular card that has more than one document_id. If so what the scenario in which many document_id for a particular card is possible.
These are great questions and I'm happy to help. I'll work on getting the answer for you and I'll get back to you soon.
“directDebitAccountNumber” is the actual customer account number (savings, checking etc). “primaryAccountNumber” is the card number (a Visa debit card for example) associated with the account. Please let us know if you have other questions and someone will be happy to help.
Thanks for your reply. So as per below explanation a particular "directDebitAccountNumber" can be associated multiple "primaryAccountNumber" (e.g. credit card, debit card, prepaid card etc).
Then "DPS Card and Account Services - Card Inquiry - Debit Card Inquiry API" it displays all cards or just the debit cards.
If all cards how can we know which is debit and which is credit card?
And if only debit cards then will an account will return only one PAN unless its a joint account?
I'll take a look and get back to you soon.
Please kindly see my inline comments to your questions and let us know if there's anything else we can help with.
So as per below explanation a particular "directDebitAccountNumber" can be associated multiple "primaryAccountNumber" (e.g. credit card, debit card, prepaid card etc). - Yes
Then "DPS Card and Account Services - Card Inquiry - Debit Card Inquiry API" it displays all cards or just the debit cards. – The current message will only perform searches by an account type of DDA. This means that any PANs tied to the provided account number of the account type DDA will be returned. However, in September 2020, we will have an enhancement to this message available in the Visa Developer Center. This enhancement will allow users to search on an account type other than DDA, if needed (DDA, Savings, Credit, etc.). Both the account number and the account type will have to be provided in the search request.
If all cards how can we know which is debit and which is credit card? – We do not have PAN/card types. In AP, we do not define a PAN as Credit, or DDA, or Savings. The underlying monetary accounts are where we define the account types (DDA, Credit, Savings, etc.). These account types are properties of the PAN. The above API searches by account number (currently only DDA type). The enhancement mentioned above will allow you to select a specific account type; however, the exact account type associated with the account number will need to be provided, in order to have a successful response.
And if only debit cards then will an account will return only one PAN unless it’s a joint account? – The search will return all PANs that have the specified account number of the specified account type tied to their corresponding AP Record.