API to create virtual credit card (VCC)

[Morguldk]

How can we offer users to create virtual credit card on visa. Do you have a existing api on visa which permit to generate virtual credit card ?

[API_Products · Accepted solution]

Hi @Morguldk,                             

The closest thing we have to a virtual credit card is Visa Token Services (VTS). For VTS overview documentation, you can go here - https://developer.visa.com/capabilities/vts

VTS is currently a Restricted product on the Visa Developer Platform, but it is possible for you to obtain access. Please submit your VTS product and content access request by emailing developer@visa.com

Also, besides that, if your question is for card issuance, then you would need to work with an Issuing Bank rather than Visa because Visa is a processor not an issuer and does not issue Visa debit/credit/prepaid/gift/physical cards. Visa works with issuing banks to issue Visa cards. Essentially, you will need to be a licensed financial institution in order to issue cards.

Don't forget to click on the Accept as Solution button once you've received assistance and your question has been answered.

[Morguldk]

Hello Diana,

Ok that's clear in order to poroceed on card insuance we need to work with an issuing Bank .

It is possible to choose B2B API and while processing the payment a physical card issuer on a bank is used , our application  while be a third party?

[API_Products]

Hi @Morguldk,

Can you please let us know the API you would like to use for your project or the API that your query is specifically referring to?

Please check our website for specific APIs relevant to your business case.
https://developer.visa.com/  
https://developer.visa.com/apibrowser

[Morguldk]

Hello Diana,

I'm talking about this following API 

https://developer.visa.com/capabilities/vpa

[API_Products]

Hi @Morguldk,

Can you please provide the use case so that I can provide you with further assistance? Also, can you please rephrase the question for clarification?

The B2B Virtual Account Payment Method system can be used to develop end-to-end payables solutions for automating the process of paying your suppliers. Issuers, buyers, processors, third party payment providers or Travel agencies, can use the B2B Virtual Account Payment Method APIs.

Note: A third party cannot implement the B2B APIs without an issuer. You can select a subset of our endpoints to code to based on your desired use case. Once you setup an VDP account, Visa can provide you with consultative support.

[Morguldk]

Hi Diana,

the need is to generate virtual card and after using B2B Virtual Account Payment Method .

I understand that's to generate international visa card i need necessarly  an issuer and after that's it's possible to provide my csutomer app to pay throught visa with all merchants using visa for payment method

[API_Products]

Hi @Morguldk,

Your use case for B2B Virtual Account Payment Method is still under review. I'll reach out to you with an update soon!

[Morguldk]

Hello Diana,

Well receive thank you and have a nice day

[API_Products · Accepted solution]

Hi @Morguldk,

Can you please provide information about your company? Specifically, what it is that your company is trying to do and what is the use case of your company?

You can use the B2B Virtual Account Payment Method APIs to generate an account number and set controls – this could be used for on-demand purchasing. There are other use cases such as accounts payables.  You would need to work with an issuer, and then you can offer a solution to the issuer’s customers – working as a third party agent.  You can use an app or other secured portal or method.  You can also work with multiple issuers rather than just with one.