We're happy to answer your query. Per your use case on retrieving transaction data, we recommend the Visa Business Data Solutions API. The Visa Business Data Solutions API provides a faster and more efficient way for participating issuers and their commercial clients to pull their commercial transaction data and make strategic decisions based on data-driven insights. Current APIs provide access to transaction and enhanced data along with Supplier data using different data groupings. This API is optimized and targeted at issuers and their clients as a way of analyzing their own spend. Access is subject to Visa approval and subject to applicable terms and conditions.
Furthermore, the VBDS transaction data API is used to get individual commercial card transactions of our commercial card issuers/clients. The commercial card transaction data through this API is not aggregated at the merchant level but the transaction includes the merchant details. However, issuers need to vet this end user access to get their client’s transaction data using Visa API. That being said, the transaction data access should be approved by the issuer, i.e. the third party requires issuer’s approval to access their client data.
Here's the link to the Visa Business Data Solutions API documentation page - https://developer.visa.com/capabilities/vbds
Please submit your restricted Visa Business Data Solutions (VBDS) API product access request to firstname.lastname@example.org. You'll receive an email reply back with the next step for you to do. Let us know if you have other questions, we're happy to help.