my company has a proprietary technology that can guess the financial needs of a saver / investor by analyzing personal and financial data.
We would like to create a service that, by analyzing customer transactions, is able to determine the appropriate amount of a recurring deposit in a savings plan. Is it possible?
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Please check our website for specific APIs relevant to your business case. https://developer.visa.com/
Per your use case, I would recomemnd you to take a look at the Visa Business Data Solutions API that would be a good fit for your use case. 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.
Visa Business Data Solutions
For Visa to send transaction, either the merchant or issuer needs to approve. Are you working with any issuers or merchants to get approval so that your company can listen into those transactions?
For further clarification, 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.
Thank you for your reply Diana.
We are working with an issuer.
Thanks for letting us know that you're working with an issuer. VBDS is a restricted product but it's possible for you to gain content access. Can you please submit a content access request via email to firstname.lastname@example.org ? Once you send an email to email@example.com someone will reply back to you soon.
Thank you Diana,
I'm already in contact with developer support and I'm working to respond to their mail.