I'd be happy to answer your question but, first, can you please provide more details about what it is that you are trying to do? Also, what is your use case?
I'm trying to find out if my idea for an app is realistic. I want to help users to have a healthy balance of debt and to help them keep their balances lower overall. I was thinking it would be nice to build an app that helps users pay down the balance of one or a few Visa credit cards.
It looks like you're interested in payments, so please take a look at our Payment Methods APIs. I've included some payment APIs that would be a good fit for your project, as well.
Payment Methods APIs - https://developer.visa.com/site/payment-methods
Visa Direct - https://developer.visa.com/capabilities/visa_direct/docs
Visa Direct supports use cases including P2P money transfer, B2C disbursements, B2B, P2B bill payments and credit card bill payments.
CyberSource Payments - https://developer.visa.com/capabilities/cybersource/docs
With CyberSource Payments you can process credit, debit and gift cards across the globe and across multiple channels with scalability and security. CyberSource supports an extensive list of payment cards and offers a wide choice of gateways and acquiring banks, all through one connection.