VCES

[salah]

Hello.

Can any one give me a spot that I did NOT find in the document !
the cardholder attributes has no spend amount attribute , I mean when  a cardholder purchase goods from merchant x , I suppose that the visa have his transactions history , can we retrieve the transaction history in order to test if he/she are eligible for a certain benefits  .
the question in other hand should we work with an issuer to get the cardholder transaction data or it can be taken directly from visa , and the 2 pieces  of the buzzle are only VCES + MERCHANTS .

my use case is allowing  merchants to give discount when cardholder spend certain amount . 

[API_Products]

Hey @salah,

To address your query regarding the Visa Developer Platform and the retrieval of cardholder transaction history:

Understanding Cardholder Transaction Data

1. Cardholder Attributes: As you noted, the cardholder attributes provided by Visa may not include spend amount directly. This information is typically sensitive and is usually managed by the card issuer (e.g., banks) rather than Visa itself.

2. Transaction History: Visa does process transaction data, but access to individual cardholder transaction history for such purposes often requires collaboration with the card issuer due to privacy and security concerns.

Options for Retrieving Cardholder Transaction Data

1. Work with Issuers: The most straightforward way to get detailed transaction history is to collaborate with the card issuer. They can provide you with the necessary transaction data, subject to their privacy policies and regulations.

2. Visa API Products: Visa may offer specific API products that can help with certain aspects of transaction processing. For example:
- Visa Cardholder Transaction Score (VCTS): This API provides transaction risk scores, which might indirectly help in assessing cardholder behavior.
- Visa Offers Platform (VOP): This could be used to manage offers and discounts, although it might not provide detailed transaction histories.

Use Case: Merchant Discounts Based on Spend Amount

For your use case where merchants want to give discounts based on spending certain amounts, here are the steps you might consider:

1. Issuers Collaboration: Work with card issuers to get the transaction history data. This will allow you to verify if the cardholder meets the spending criteria for discounts.

2. Use Visa’s Merchant APIs: Use Visa’s APIs to manage offers and discounts but combine this with data from issuers for validation.

3. Data Privacy Compliance: Ensure that any data sharing and usage comply with relevant data privacy regulations (e.g., GDPR, CCPA).

Example Workflow

1. Merchant Registers Offer:
- Merchant sets up an offer on the Visa Offers Platform.

2. Cardholder Makes a Purchase:
- The cardholder makes a purchase at the merchant's location.

3. Transaction Data Retrieval:
- If the transaction data is required, it is retrieved from the issuer.

4. Eligibility Check:
- Validate the cardholder’s eligibility for the discount based on transaction history.

5. Apply Discount:
- If eligible, the discount is applied to the cardholder's purchase.

- Issuers Collaboration: Essential for accessing detailed transaction history.
- Visa API Products: Useful for managing offers and potentially integrating with issuer data.
- Data Privacy: Ensure compliance with all relevant regulations.

If you require specific API recommendations or further assistance, consulting the Visa Developer documentation would be beneficial or you can reach out to us on this community forum.