im having a difficult time understanding the VTC possibilities. Here is my question.
Can every time a card is swiped, a notification is sent to my application, and the application can then reject/approve the transaction?
If so, then is this done by the "authorization decision api"?
thanks in advance!
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VTC has the Notification Delivery Callback API for notifications.
Using the Notification Delivery Callback API
Used to send purchase notifications to the issuer who will then create the cardholder-facing message and deliver it via email, SMS or push. The issuer is responsible for creating and delivering the notification based on the data provided. Note: future product enhancements can result in new data elements being available in the Notification Delivery Callback API payload. The client should be flexible enough to review these new data elements without adversely impacting their existing notification process. https://developer.visa.com/capabilities/vctc/docs-how-to
For more information, please go here – https://developer.visa.com/capabilities/vctc/docs
Thank you Diana! So this answers the first part of my question. Using the notification service, my application can receive a notification everytime the card is swiped.
The other part of my question is, can my application deny the transaction after receiving the notification?
for example, card holder swipes the card to buy some items, and after receiving the notification deny the transaction
Visa Transaction Controls offers issuers a variety of block and alert capabilities, the exact features and functionality of which they can then select, configure and present to their cardholders. VTC blocks and alerts are extremely flexible and designed to work together or be used independent of each other, as standalone features, with different thresholds triggering their use.
For example, an issuer may allow cardholders to block all internet transactions or only internet transactions over a certain purchase amount. An alert may accompany these transactions that is triggered at a lower dollar amount than is used for declines (e.g. trigger an alert for all internet purchases over $100 and decline all internet purchases over $1000). Similarly, the issuer may not want to offer transaction blocking seeking to avoid unintentional declines and only allow use of VTC alerts.
Let me ask my question differently.
I want to deny all transactions that happen at "Johns pizza house". every other transaction is approved. Is this doable?
I want to allow only transactions that happen at "Johns pizza house". every other transaction is denied. Is this doable?
I want to deny all transactions where the total amount is $66.6. Is this doable?
From what i have read on the API docs, this is not possible. can you please confirm?
I'll take a look and someone will get back to you soon.
None of these three use cases are solvable.