NFC and POS system

[sakshamtrex]

Hi, I want to know the flow of contactless payments and is there a way for me to pull out the merchant details from POS. Also, can I get these details before the payment is initiated?

[SyedSa]

Hi @sakshamtrex, Thank you for reaching out. One of our agents will get back to you soon. Until then, if any community members know a solution, please feel free to reply to this thread.

[sakshamtrex]

I am specifically interested in when do I receive the merchant details is all of that post transaction?

[DianaVisaPM]

Hi @sakshamtrex, 

Visa Token Services would be a good fit for a requirement of taking contactless card payments. These APIs enable provisioning and use of tokens for HCE-based contactless (NFC) payments and for in-app purchases using tokens provisioned to a mobile device.

Regarding transaction data, if you are the merchant then you have the transaction data. If you work with the merchant or the acquirer then you will have access to transaction data. You should reach out to your issuer bank for such arrangement. The issuer bank does the settlement of your transactions, therefore, they will be able to provide this data on a regular basis. Transaction data will only be available at the banks level. You can create features to get that data from banks or store it in your APP at your end. 

If you are not the merchant, or if you are not working with the merchant or acquirer, then there is no API which will give you transaction data on debit/credit cards because the issuer/acquirer maintain that data. 

[sakshamtrex]

I am interested in the flow of payment or how the communication happens between HCE and POS. Whenever I tap my phone on POS I receive some APDU commands, and I want to know is there any command or way to know about the merchant details before I process the payment/ send the card data over to POS through NFC.  

[DianaVisaPM]

Hi @sakshamtrex,

Please visit the Visa Ready product page to submit your VTS product question using the ‘Contact Us’ link.