Is there a real-time transaction API?

[bryankeller]

Hi all,

I'm an iOS engineer working a new app. The app should allow a user to connect a Visa credit card to their account, and monitor for specific transactions. For example, the app should allow users to get a push notification whenever their card is used to make a purchase at a grocery store that they frequently shop at.

The push notifications would be handled by my own backend service, ideally in response to a notification being sent to me from Visa. Does such an API exist?

Thanks all,

Bryan

[SLi]

Hi @bryankeller,

For your use case, please check out Visa Transaction Controls here: https://developer.visa.com/capabilities/vctc

With Visa Transaction Controls (VTC), issuers can empower cardholders with the ability to control where, how and when their cards and tokens can be used. Cardholders can set limits on a payment card’s use and when to be notified of different financial events based on the purchase amount and/or type of activity (e.g. ATM, eCommerce) or merchant category (e.g. gas, gambling).

[bryankeller]

Thanks Stacey. If I'm reading this correctly, that API is only available for "Issuer Banks" and "Issuer Banks For Small Business." I'm an independent developer, not a bank. Is it safe to assume I will not be able to use this API for my use case?

[bryankeller]

Reposting since I forgot to tag you and I don't think messages can be deleted or edited:

@SLi Thanks Stacey. If I'm reading this correctly, that API is only available for "Issuer Banks" and "Issuer Banks For Small Business." I'm an independent developer, not a bank. Is it safe to assume I will not be able to use this API for my use case?

[SLi · Accepted solution]

Hi @bryankeller,

You are correct. Visa Transaction Control is for issuer banks to build the features in their banking app to enable their cardholders to add their own rules on a payment card's use and when to be notified of different financial events. 

[amalsur]

Thanks for the answer, i was also looking for the same.