Debit Network Enablement & Routing preference

[jomar]

Hello,

Looking for clarification on the technology used to communicate issuer debit network support and preference to merchants/acquirers for a typical Signature or PIN debit transaction:

How does a merchant see which debit networks an issuer has enabled on a card?

E.g. if Chase has only enabled Interlink and STAR, does the merchant/acquirer use a BIN lookup to see this?

How is an issuer's ranking of debit networks communicated? Does it use the group sharing codes?

E.g. if Chase has ranked its supported networks 1. Interlink, 2. STAR and 3. NYCE, does a merchant/acquirer see "GNY"?

Any insight on these topics would be appreciated!

[jenn_kh · Accepted solution]

Hi and welcome to the community, @jomar! Thank you for reaching out. An agent is looking into this and will get back to you shortly. If any community members have any insights to share, feel free to reply here! - Jenn

[jomar · Accepted solution]

Great, thank you!

[API_Products · Accepted solution]

Hi @jomar,

Which API product do your questions relate to? For a list of our API products please visit out API Browser page here: https://developer.visa.com/apibrowser  

[jomar · Accepted solution]

Hi Diana,

Thanks for getting back to me  - I initially saw the simple order API here but noticed this is only for AFT/OCT transactions so was wondering if this is the same process used for traditional PIN/Signature debit transactions.

If possible, would you be available for a quick call to clarify what I'm looking for?

Thanks!

[API_Products · Accepted solution]

Hi @jomar,

What country is your business located in? If you are a merchant or a third party and have a Visa BIN Attribute Sharing Service inquiry, these inquiries should be submitted by your Acquirer to the Visa BIN Attribute Sharing Service team.

For information about the VBASS program, please go to Visa.com/VBASS. 

If you want to discuss your specific case and start the process, please contact your Acquirer.

If you are an Acquirer or Processor that has a VBASS inquiry, please visit the VBASS Visa Online Page. 

Also, our Visa BIN Attribute Service team can help you with your inquiry. Please visit the VBASS Visa Online Page.

[API_Products · Accepted solution]

Hi @jomar,

I haven't received an update from you about where the country of your business location is. I'll need this information if you would like me to ask internally if there's a Visa representative available to get on a phone call with you. Otherwise, please reach out to the VBASS team for further assistance on your inquiry. 

[jomar · Accepted solution]

Hi @API_Products 

Apologies - I'm asking for operations in the United States.

Thanks!

[API_Products · Accepted solution]

Hi @jomar,

Thanks for answering the question. I'll get back to you soon about the phone. I'll check to see if a Visa representative is available for a phone call. 

[API_Products · Accepted solution]

Hi @jomar,

It took some time for me to get this answer for you as I had to work with the product team on this. See below response to the original questions:

- How does a merchant see which debit networks an issuer has enabled on a card?

Answer: On the back of the card should list the network bugs (logos) the card is eligible.

E.g. if Chase has only enabled Interlink and STAR, does the merchant/acquirer use a BIN lookup to see this?

- How is an issuer's ranking of debit networks communicated? Does it use the group sharing codes? 

Answer: They are not really communicated the are applied as transactions route through the network.

E.g. if Chase has ranked its supported networks 1. Interlink, 2. STAR and 3. NYCE, does a merchant/acquirer see "GNY"?