Mobile payment app

[pajda777]

Hello,

we have a mobile app, which allows users to pay for goods and services within app's eco system. We would like to extend it with Visa APIs , so users can pay and receive money also with stored and assigned credit card. 

Can you please point us what APIs we need to use? (tokenization etc..)

Thanks!

Pavel 

[API_Products]

Hey @pajda777,

Since you're asking about payments, take a look at this link for payments APIs -  https://developer.visa.com/site/payment-methods

For your use case on storing credit cards, I would recommend Visa Checkout. Visa Checkout provides a single sign-in service to pay for online shopping purchases. After a simple setup, Visa Checkout users can skip inputting their payment and shipping information for their orders. Visa Checkout works across multiple devices so online shopping stays easy.

Visa Checkout - https://developer.visa.com/capabilities/visa_checkout/docs

Below are some other payment APIs that you would be interested in taking a look at, to see if it fits your use case, as well.

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.

CyberSource Payments - https://developer.visa.com/capabilities/cybersource/docs

Visa Direct’s real-time payment capabilities open up new, more convenient payment experiences for many different use cases, including:

• Paying friends and family
• Splitting bills
• Sending remittances
• Account transfer
• Funds disbursements

Visa Direct offers fast and efficient funds disbursement options for a variety of different applications including:

• Reimbursements
• Refunds
• Rebates
• Payouts
• Loan distributions
• Government disbursements

Visa Direct - https://developer.visa.com/capabilities/visa_direct/docs

[rlaxmi]

Thanks for Guide

[pajda777]

Hello Diana,

thanks for your reply. I have checked all provided resources and I think that it doesn't fit into our use case.... (e.g. Visa checkout seems to me that it is solution for online shopping) 

So far the biggest sense makes for me to use https://developer.visa.com/capabilities/token-service-provisioning/overview.

We want to empower our app users to actually pay with it in-store like they would do with e.g. google pay.

So idea is that user inserts his visa card into our app, we get and store the token for this channel. And the user can pay with the stored token and mobile app using NFC. 

Can you please share if it is all possible tokenization and NFC payment part?

Thanks!

Pavel

[API_Products]

Hey @pajda777,

Visa Token Service Provisioning and Lifecycle Management  is a restricted product. For more information, please email developer@visa.com for more information and someone will provide you with assistance soon. 

[MelekSibrian]

Hello, could Honduras use Visa Direct? because Visa Checkout does not allow me to register users from Honduras.
And by the way, I can't find an example in php of Visa Direct, can anyone help?

[API_Products]

Hey @MelekSibrian,

Visa Direct is available for use globally. For Visa Direct sample code in PHP, please register for a VDP account here - https://developer.visa.com/portal/auth/register

After you have registered for a VDP account, please login to your account and from your Dashboard create a Visa Direct project. Then click on your Visa Direct project app, and click on Sample Code from the left side menu. Click on Download PHP Code (refer to screenshot below).

[MelekSibrian]

Thanks

If I saw that, it has no extra dependencies, could I try it in a shared Hosting?

[API_Products]

Hey @MelekSibrian,

For your shared Hosting question, I'll take a look and get back to you soon!

[API_Products]

Hey @MelekSibrian,

To follow up, it's not clear on what your intent is. For example, functionally, what are you trying to do and what do you really mean by shared hosting environment? Please provide details so that we can provide you with further assistance.