Visa direct api vs visa payment processing api vs visa Click to pay what are the very key difference

[will]

What are the very key diffference?

in terms of the registrations need can you guide me bit by bit from the beginning for each api?

is there a need for a third party like other payment processors to integrate the API?

or like a merchant i can integrate the API direct to my website without any need to contact any other payment processors like (paypal , cybersource)

or what license do i need ?

[jenn_kh]

Hi @will, Thank you for your questions! One of our agents will get back to you soon. Until then, if any community member has information that may help, please feel free to reply to this thread.

[API_Managers]

Hi @will,

In order to use the Visa Direct APIs in production, the Originator must either be a Visa client financial institution (issuer or acquirer), a third-party Originator that has been granted a Visa acquirer POS license (geographical restrictions apply), or a third-party Originator that has established an acquiring relationship for that purpose with a Visa client financial institution.

To get into production, you will need an acquirer who can sponsor you by providing BIN for processing settlement of your transaction and PCI/DSS compliance when you are working with PAN data. Therefore, you will also need PCI/DSS Compliance.

For production, you should have an existing relationship with a bank of any financial institution (acquiring bank). We do not have any preference on the bank of the financial institution that you use. You will have to have a financial institution in with you for the settlement of transaction. Therefore, you need to contact a local financial institution of payment processing companies. Legal requirements are also dependent on local regulations.