Visa Direct usage for charging users

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vicshymko
Regular Visitor

Visa Direct usage for charging users

Hello!

 

Is it possible to use Visa Direct as a way to charge users for shopping in mobile application?
As I understand I should perform only AFTs in this case.

What businessApplicationId must be used for such AFTs?

6 REPLIES 6
DianaTran
Visa Dev Moderator

Re: Visa Direct usage for charging users

Hey @vicshymko,

 

We'll take a look and get back to you soon. Yes, Visa Direct APIs can be used for mobile applications. As an Originator, the Visa Direct APIs provide you with a means to initiate a push payment from within your own web, mobile, ATM, corporate systems, or branch platforms. Please see information below. 

 

Mobile Push Payment API

The Mobile Push Payment API has been optimized to push payments for mobile-to-mobile card-less merchant payments as well as for cash in or cash out to a Visa card. This capability is currently available only in select markets. Please contact your Visa representative for more information.

 

Please visit this link for the Visa Direct API documentation - https://developer.visa.com/capabilities/visa_direct/docs-getting-started 

 



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Thanks,
Diana

vicshymko
Regular Visitor

Re: Visa Direct usage for charging users

Hello Diana, thank you for quick reply!

Let me clarify my question. 

Is it possible to use Funds Transfer API, namely PullFundsTransfer POST API for cash out from customer' Visa card?

vicshymko
Regular Visitor

Re: Visa Direct usage for charging users

@DianaTran adding tag

 

Hello Diana, thank you for quick reply!

Let me clarify my question. 

Is it possible to use Funds Transfer API, namely PullFundsTransfer POST API for cash out from customer' Visa card?

DianaTran
Visa Dev Moderator

Re: Visa Direct usage for charging users

Hey @vicshymko,

 

 I'm happy to continue answering your questions. Please see the Q&A provided below. As for your most recent queries, we'll take a look and get back soon. 

 

Query:

As I understand I should perform only AFTs in this case. What businessApplicationId must be used for such AFTs?

 

Answer: AFT transaction is used to pull funds from a Visa account to fund another Visa or non-Visa account e.g. topping up a prepaid card account or digital wallet or to fund a money-transfer. It should not be used to enable purchase of goods or services.



Was your question answered? Don't forget to click on "Accept as Solution" to help other devs find the answer to the same question.

Thanks,
Diana

vicshymko
Regular Visitor

Re: Visa Direct usage for charging users

@DianaTran
Thank you!
DianaTran
Visa Dev Moderator

Re: Visa Direct usage for charging users

Hey @vicshymko,

 

To follow up, here's the answer to your query below.

 

Query:

Is it possible to use Funds Transfer API, namely PullFundsTransfer POST API for cash out from customer' Visa card?


[Diana] The pull fundstransfer API is used to pull funds from a Visa account to fund another Visa or non-Visa account e.g. topping up a prepaid card account or digital wallet or to fund a money-transfer. It should not be used to enable cash-out from a customer’s Visa card. Cash out should be the OCT/push payment



Was your question answered? Don't forget to click on "Accept as Solution" to help other devs find the answer to the same question.

Thanks,
Diana