Documentation or SDK to perform NFC payments from IOS and android devices to POS terminals

[MAPLEPAYWALLETS]

Hi there, 

We are developing a Mobile Wallet App with a Virtual VISA GPR card. Request to kindly help us with the documentation or SDK to perform NFC payments from IOS and Android Devices to POS terminals.

Regards,

Maple Pay Wallets Inc.

[vkamboj]

Hi @MAPLEPAYWALLETS , 

Based on the use case you provided, it seems like you are interested in digital wallets to be provisioned with tokenized payments credentials that can be used at NFC terminals, within mobile applications, and for e-commerce purchases. Is that correct? 

For your reference, below is the link for Visa Token Service Provisioning and Lifecycle Management

https://developer.visa.com/capabilities/token-service-provisioning 

Thank you, 

Vaibhav

[MAPLEPAYWALLETS]

Hi Vaibhav, thanks for your response. However I would like to redraft the used case to ensure we get the right solution.

1st ask : We Maple Pay wallets Inc. are a developing a Mobile Payment wallet (consumer app platform) and parallelly getting a BIN assigned through People Trust Bank for becoming issuers and program managers for the Virtual GPR card. So when our consumer onboards to our Mobile Wallet app we would be default issuing a Virtual VISA card (real time) to all. The Virtual card will be always and the only card linked to our Wallet App Balance. Every time a Maple Pay Wallet clients visit any POS at merchant outlet , they should be able to make a contactless payment vide NFC through the Wallet app on Android or IOS device.  

Request : To cater to above need : Kindly help us with "Documentation or SDK to perform NFC payments from IOS and android devices to POS terminals"

2nd ask :  Under the same BIN Id with People Trust Bank as our Sponsor Bank. We would be onboarding merchants also through our Maple Pay Wallet. (Merchant app platform) and we intend to offer a "Mobile Point of Sale" through our Maple Pay Wallet (merchant app) to facilitate then accept payments from their clients.

Request : To cater to above need : Kindly help us with "Documentation or SDK to receive NFC payments from IOS and android devices or cards on the Mobile POS thru Maple Pay Wallet (Merchant App) "

Kindly guide us through as we done with all talks with the Bank and in proposal stage and getting the development of application in progress.

Regards,

Saju James

Maple Pay Wallets Inc.

Canada

+1-226-898-1858

[MAPLEPAYWALLETS]

Hi Vaibhav, thanks for your response. However I would like to redraft the used case to ensure we get the right solution.

1st ask : We Maple Pay wallets Inc. are a developing a Mobile Payment wallet (consumer app platform) and parallelly getting a BIN assigned through People Trust Bank for becoming issuers and program managers for the Virtual GPR card. So when our consumer onboards to our Mobile Wallet app we would be default issuing a Virtual VISA card (real time) to all. The Virtual card will be always and the only card linked to our Wallet App Balance. Every time a Maple Pay Wallet clients visit any POS at merchant outlet , they should be able to make a contactless payment vide NFC through the Wallet app on Android or IOS device.  

Request : To cater to above need : Kindly help us with "Documentation or SDK to perform NFC payments from IOS and android devices to POS terminals"

2nd ask :  Under the same BIN Id with People Trust Bank as our Sponsor Bank. We would be onboarding merchants also through our Maple Pay Wallet. (Merchant app platform) and we intend to offer a "Mobile Point of Sale" through our Maple Pay Wallet (merchant app) to facilitate then accept payments from their clients.

Request : To cater to above need : Kindly help us with "Documentation or SDK to receive NFC payments from IOS and android devices or cards on the Mobile POS thru Maple Pay Wallet (Merchant App) "

Kindly guide us through as we done with all talks with the Bank and in proposal stage and getting the development of application in progress.

Regards,

Saju James

Maple Pay Wallets Inc.

Canada

+1-226-898-1858

[MAPLEPAYWALLETS]

Re: Documentation or SDK to perform NFC payments from IOS and android devices to POS terminals
Hi Vaibhav, thanks for your response. However I would like to redraft the used case to ensure we get the right solution.



1st ask : We Maple Pay wallets Inc. are a developing a Mobile Payment wallet (consumer app platform) and parallelly getting a BIN assigned through People Trust Bank for becoming issuers and program managers for the Virtual GPR card. So when our consumer onboards to our Mobile Wallet app we would be default issuing a Virtual VISA card (real time) to all. The Virtual card will be always and the only card linked to our Wallet App Balance. Every time a Maple Pay Wallet clients visit any POS at merchant outlet , they should be able to make a contactless payment vide NFC through the Wallet app on Android or IOS device.

Request : To cater to above need : Kindly help us with "Documentation or SDK to perform NFC payments from IOS and android devices to POS terminals"



2nd ask : Under the same BIN Id with People Trust Bank as our Sponsor Bank. We would be onboarding merchants also through our Maple Pay Wallet. (Merchant app platform) and we intend to offer a "Mobile Point of Sale" through our Maple Pay Wallet (merchant app) to facilitate then accept payments from their clients.

Request : To cater to above need : Kindly help us with "Documentation or SDK to receive NFC payments from IOS and android devices or cards on the Mobile POS thru Maple Pay Wallet (Merchant App) "



Kindly guide us through as we done with all talks with the Bank and in proposal stage and getting the development of application in progress.



Regards,

Saju James

Maple Pay Wallets Inc.

Canada

+1-226-898-1858

[vkamboj]

Hello @MAPLEPAYWALLETS , 

I am working on your inquiry with the product team so we can direct you to the right product. I will get back to you within 24 hrs. In the meantime, if you have any additional questions, please free to reach out to us. 

Thank you, 

Vaibhav 

[vkamboj]

Hello @MAPLEPAYWALLETS , 

Thanks for providing detailed use case and based on the use case you provided, below are two products that would mee your business needs. 

1. Visa In-App Provisioning: 

Visa In-App Provisioning currently supports Universal Card Enrollment and In-App Provisioning for Apple Pay, Google Pay or Samsung Pay.

Universal Card Enrollment API enables Visa clients to digitally register accounts with Visa in real time. Once registered, client developers receive back a universal card identifier, that can be used inter-operably for accessing certain other Visa services like Visa In-App Provisioning without directly having to handle sensitive PAN data or without having to re-register and maintain card data repetitively across multiple Visa products in the future. 

In-App Provisioning API enables clients to request encrypted card data using the universal card identifier from Universal Card Enrollment API. Clients can pass this encrypted card data payload to Apple Pay, Google Pay or Samsung Pay wallet for tokenization. This token then becomes active on the Pay Wallet and is pushed to the consumer's device.

https://developer.visa.com/capabilities/visa-in-app-provisioning 

Visa Token Service: 

Token requestors can be, and often are, traditional participants, such as issuers and merchants who maintain card-on-file repositories. Token requestors can also be third-party developers, mobile network operators, payment service providers or e-commerce platforms. There are no restrictions on the types of entities that can be token requestors. But in order to request tokens from the Visa Token Service, you must first register with Visa as a token requestor and agree to comply with Visa's participation requirements and processes.

Tokenization introduces three primary interactions between a token requestor, Visa, and the card issuer: Provisioning, Transaction Processing, and Lifecycle Management. The exact sequence of events and the particular APIs required to perform them vary depending upon the use case. The steps required to provision a token and use it in a mobile contactless (NFC) purchase are more extensive and somewhat different than those required to provision a token and use it in a merchant one-time or card-on-file-based e-commerce purchase. The basic interactions, however, are similar.

https://developer.visa.com/capabilities/vts 

Note: Visa Token Service is a restricted product. If you wish you wish to request access to VTS API, instructions are provided on VTS overview API page.

Please let me know if you have any additional questions. 

Thank you, 

Vaibhav Kamboj

[MAPLEPAYWALLETS]

Hi Vaibhav,

Thanks for your detailed response. Request you to kindly assist in the below relevant queries that still needs some clarification for our developers.

1) Maple Pay Wallets Inc. being BIN holders under (People Trust Bank) and non Bank issuers of Virtual VISA GPR cards through our own Wallet App, do we need to have a Payment processor in between the sponsor bank and VISA or we being program managers can directly integrate with VISA for the VISA Token Service and VISA In app provisioning as OBO partners with VISA ? If Yes, then kindly guide with any onboarding process if any or can we directly initiate the project as guided in "Get Started" link ?

2) Maple Pay Wallets intend to have the Virtual GPR card attached to our own Maple pay wallet and intends to facilitate our customers to use the Virtual GPR card for contactless spend on NFC enables POS terminals and not through a Google Pay, Apple Pay or Samsung Pay. Is the use case viable for our own Maple pay Wallet App on NFC enabled IOS and Android cell phone/mobile devices.?

Please bear with our repeat type of queries as we were not able to interpret the resources correct.

Regards,

Saju James

[vkamboj · Accepted solution]

Hello @MAPLEPAYWALLETS , 

No worries, I will try my best to assist you and your team. Because Visa Token Service is a restricted product and onboarding is managed though Visa Ready portal. As a first step to learning more about this product, please contact either your Visa Account Executive if you have one assigned, Gateway or Acquiring partner and/or visit our detailed product page at Visa Ready. You can also submit any specific queries about the product through Visa Ready using the ‘Contact Us’ link. 

In the meantime, I will try my best to work with internal teams to get you answers for questions you submitted. Since VTS is a restricted product, you will have to submit your inquiry directly with VTS team on the link i provided. I really appreciate your patience. 

Thank you, 

Vaibhav

[MAPLEPAYWALLETS]

Hi Vaibhav,

Good evening.

A gentle follow-up on any revert from your internal teams, kindly do share me a response.

Regards,

Saju James