Example that facilitate bank to bank transfer and can scan Visa QR to make payment

[xracerxx]

Hi there, is there any example that can actually do the actual bank account by the bank issuer, and facilitate the transaction via the swift protocol.

Also, is there any example that can naturally do visa, QR payment scanning,

[API_Products]

Hey @xracerxx,

Examples of Bank-to-Bank Transfers and Visa QR Payment Scanning Using Visa Developer APIs

The Visa Developer Portal offers a variety of APIs that facilitate bank-to-bank transfers and Visa QR payment scanning. Below are examples of how you can use these API products to achieve your goals.

1. Bank-to-Bank Transfers Using Visa Direct

Visa Direct is a robust API that enables real-time bank-to-bank transfers, allowing funds to be sent directly to eligible card accounts around the world.

Key Features:
- Real-time fund transfers
- Global reach
- Secure and reliable transactions

Example Workflow:

1. Obtain API Key and Credentials:
- Sign up on the Visa Developer Portal and create a project to get your API credentials.

2. Initiate a Transfer:
- Use the Visa Direct Payouts API to initiate a bank-to-bank transfer.

```json
POST /visadirect/fundstransfer/v1/pushfundstransactions
{
"systemsTraceAuditNumber": 350420,
"retrievalReferenceNumber": "401010350420",
"localTransactionDateTime": "2022-12-19T16:32:56",
"acquiringBin": "408999",
"acquirerCountryCode": "840",
"senderPrimaryAccountNumber": "4895142232120006",
"senderCardExpiryDate": "2023-03",
"senderCurrencyCode": "USD",
"amount": "100.00",
"recipientName": "John Doe",
"recipientPrimaryAccountNumber": "4957030420210454",
"transactionCurrencyCode": "USD",
"merchantCategoryCode": "6012",
"sourceOfFundsCode": "05",
"recipientCountryCode": "840"
}
```

3. Monitor the Transfer:
- Use the Transaction Query API to check the status of the transfer.

```json
GET /visadirect/fundstransfer/v1/pullfundstransactions/{transactionId}
```

2. Visa QR Payment Scanning Using Visa QR API

The Visa QR API allows merchants and consumers to make QR-based payments, offering a simple and secure way to handle transactions using QR codes.

Key Features:
- Easy integration for QR code payments
- Secure transactions
- Support for various payment scenarios

Example Workflow:

1. Obtain API Key and Credentials:
- Sign up on the Visa Developer Portal and create a project to get your API credentials.

2. Generate a QR Code:
- Use the Visa QR API to generate a QR code for payment.

```json
POST /vpa/v1/qrcodes
{
"merchantCategoryCode": "5311",
"transactionCurrencyCode": "USD",
"transactionAmount": "50.00",
"merchantIdentifier": {
"merchantId": "123456789",
"countryCode": "840",
"name": "Merchant Name",
"city": "San Francisco"
}
}
```

3. Scan and Process Payment:
- Use the Visa QR API to process the payment once the QR code is scanned.

```json
POST /vpa/v1/payment
{
"transactionIdentifier": "123456789",
"merchantCategoryCode": "5311",
"transactionCurrencyCode": "USD",
"transactionAmount": "50.00",
"consumerDeviceInfo": {
"deviceType": "MOBILE",
"deviceId": "987654321"
}
}
```

Summary

Bank-to-Bank Transfers:
- Use Visa Direct to facilitate real-time, global bank-to-bank transfers.
- Initiate transfers using the Push Funds Transactions API and monitor them using the Transaction Query API.

Visa QR Payment Scanning:
- Use the Visa QR API to generate and process QR code payments.
- Generate QR codes for payments and process them securely and efficiently.