Need help in Understanding the Visa In-App Provisioning

[udayaramu]

I wanted to confirm my understanding of the Visa In-App provisioning API.

From what I understand we need to first enroll our card and then enable the said card for each of the payment wallet available, after we provision the wallet the Visa token for the card is generated, and once the customer logs into the payment wallet with the card credentials, the pay wallet would retrieve the required token for Visa, and the card will be ready for use by the customer.

Could some one confirm if this is the case or not?

[SyedSa]

Hi @udayaramu, Thank you for reaching out. An agent will get back to you as soon as possible. Until then, if any community member knows a solution, feel free to reply in this thread.

[DianaVisaPM]

Hey @udayaramu,

Your understanding of the Visa In-App Provisioning API is mostly correct, but I would like to clarify a few points to ensure complete accuracy.

1. Card Enrollment: Yes, the first step involves enrolling your card. This typically means registering the card details with the Visa Token Service (VTS) through your app.

2. Enabling the Card for Payment Wallets: After enrolling the card, you need to enable it for each payment wallet (e.g., Apple Pay, Google Pay). This involves requesting a token for the specific wallet.

3. Visa Token Generation: Once you provision the wallet, a Visa token is generated for the enrolled card. This tokenization process replaces the sensitive card information with a unique identifier (token).

4. Using the Token in the Payment Wallet: When the customer logs into the payment wallet with their card credentials, the wallet retrieves the required token from Visa. The card, now represented by the token, is ready for use by the customer.

Here is a step-by-step summary of the process:

1. Enroll Card: Register the card details with Visa Token Service through your application.
2. Provision Wallet: Enable the card for the payment wallet by requesting a token.
3. Token Generation: Visa generates a token for the card.
4. Retrieve Token: The payment wallet retrieves the token once the customer logs in with their card credentials.
5. Card Ready for Use: The card, now tokenized, is ready for use in the payment wallet.

If you need more detailed information, you can refer to the Visa In-App Provisioning API documentation.

I hope this helps!