Onboard process

[Raghu]

Hi team,

We are building a personal finance management app where we help the customer to manage all of their cards, transactions, expenses and also attach a itemised data invoice copy of the purchase along with the transaction by generating the receipt from merchant. For the same we are looking at APIs which help us to identify our customer's transaction whenever they do one. Could you please guide us which will be right API and what will be the process to get the access for the same. 

PS: We are a startup

Regards,

Raghu

[API_Products]

Hey @Raghu,

You can look at our website for APIs relevant to your use case. https://developer.visa.com/apibrowser 

Looking at your use case, it sounds like your looking for an API that helps to manage payments and their transactions, etc. Since that's the case, you can take a look at our Payment Methods APIs using the link below. I've also included Payment Method API links for your convenience too.

Visa’s Payment Methods APIs aim to help process payments securely, safely, and quickly.
Payment Methods APIs - https://developer.visa.com/site/payment-methods 

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 

CyberSource Payments processes 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 offers real-time payment capabilities over Visa’s global, interoperable network. Businesses and consumers can make payments to eligible card accounts, using solutions developed with participating financial institutions or payment service providers.
Visa Direct - https://developer.visa.com/capabilities/visa_direct/docs 

Additionally, it looks like you'll need to explore our Commercial Services, currently available through your issuing bank. For more info, access this link - https://usa.visa.com/run-your-business/commercial-solutions/solutions/intellilink.html 

Hope this helps you and let us know which API you're interested in using for your project and someone can help you get started!

[Raghu]

Hi Diana,

Thanks for your response. None of these API's actually meet our requirements. 

VTC is one among API's we feel can be helpful for us. We actually need a tool which can surface transactional data about our customer on a successful payment through registered card at any POS or PG.

One such company Fidel.Uk, which provides API's for companies(startups) with real time payment data. We are looking for similar solution with a direct integration with VISA.

Please guide us to find a right set off API's(similar to Fidel.uk) for our solution.

Regards,

Raghu

[API_Products]

Hey Raghu,

For info on VTC here's a link to its overview - https://developer.visa.com/capabilities/vctc

Per your use case on retrieving transaction data, the Visa Business Data Solutions API would be a good fit. VBDS API provides a fast and more efficient way for participating issuers and their commercial clients to pull their commercial transaction data and make strategic decisions based on data-driven insights. Current APIs provide access to transaction and enhanced data along with Supplier data using different data groupings. This API is optimized and targeted at issuers and their clients as a way of analyzing their own spend. Access is subject to Visa approval and subject to applicable terms and conditions.

For further clarification, the VBDS transaction data API is used to get individual commercial card transactions of our commercial card issuers/clients. The commercial card transaction data through this API is not aggregated at the merchant level but the transaction includes the merchant details. However, issuers need to vet this end user access to get their client’s transaction data using Visa API.

Are you working with any issuers or merchants to get approval so that your company can listen into those transactions? Visa will engage on this if you have talked to issuers on getting that approval.
 
Visa Business Data Solutions - https://developer.visa.com/capabilities/vbds