Visa Direct usage for charging users

[vicshymko]

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?

[DianaTran]

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 

[vicshymko]

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]

@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 · Accepted solution]

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.

[vicshymko]

@DianaTran
Thank you!

[DianaTran]

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