That's a great question! Can you please see if the Visa Direct mVisa API could be a good fit for you business case?
The consumer initiates a payment by scanning a QR code at the merchant site, tapping an NFC device, or key entering the merchant and transaction details into their mVisa-enabled feature phone or mVisa smart phone application. The consumer's issuer then uses the mVisa API to submit a push payment transaction into Visa that will transfer the payment amount from the consumer's Visa card to the merchant's Visa card. When the push payment is received by the merchant's issuer (acquirer), the merchant is notified that the amount of the payment has been deposited into their Visa account. When the merchant issuer sends the approved authorization for the push payment back to Visa, the consumer's issuer notifies them via the mVisa application that the transaction is complete.