Inquiry API - May I please get example use cases for InquiryRequest, IssuerReject-3 and EchoMessage

[MAC]

Please may I request a qualified answer on when I would be using these 3 Request types please?

InquiryRequest, IssuerReject-3 & EchoMessage

[SyedSa]

Hi @MAC, Thank you for reaching out. An agent will get back to you as soon as possible. Until then, if any community member has information that may be helpful, feel free to reply in this thread.

[API_Products]

Hi @MAC,

Visa Developer Portal API Use Cases

1. InquiryRequest
Use Case: The `InquiryRequest` is used to fetch detailed information regarding a particular transaction or account. This can be used in scenarios where a financial institution or merchant needs to verify transaction details, check account balances, or confirm the status of a payment.

Example Scenarios:
- Account Verification: A bank wants to verify the balance or transaction history of a customer's account.
- Transaction Details: A merchant needs to retrieve detailed information about a specific transaction to resolve a dispute or verify payment.
- Fraud Prevention: A financial institution wants to verify suspicious transactions to prevent fraud.

2. IssuerReject-3
Use Case: The `IssuerReject-3` request type is used when the issuing bank declines a transaction. This can be due to various reasons such as insufficient funds, account restrictions, or suspected fraud.

Example Scenarios:
- Insufficient Funds: A transaction is declined because the account does not have enough funds to cover the purchase.
- Account Restrictions: The account has restrictions that prevent the transaction from being approved.
- Suspected Fraud: The transaction is flagged as potentially fraudulent, and the issuer decides to reject it to protect the account holder.

3. EchoMessage
Use Case: The `EchoMessage` request type is used primarily for testing purposes to verify the connectivity and response time between systems. It ensures that the communication channel between the client and the Visa network is functioning correctly.

Example Scenarios:
- System Testing: Before going live, a developer uses `EchoMessage` to test the connection and ensure that the integration with the Visa API is working as expected.
- Health Check: Periodic checks to confirm that the connection to the Visa network is stable and can respond to requests within acceptable timeframes.
- Performance Monitoring: Continuous monitoring of the response times to ensure the system is performing efficiently.

Summary Table

Request Type	Use Case Description	Example Scenarios
InquiryRequest	Fetch detailed information regarding a transaction or account.	Account verification, transaction details retrieval, fraud prevention.
IssuerReject-3	Used when the issuing bank declines a transaction.	Insufficient funds, account restrictions, suspected fraud.
EchoMessage	Used for testing connectivity and response time between systems.	System testing, health check, performance monitoring.

These use cases and examples can help you determine when to use each request type in your integration with the Visa Developer Portal APIs.