Which API should I choose to apply for

[shuang_li]

My product is a mobile application, and I now want to access VISA payment. I don't want to use a gateway, but I hope to be able to directly use VISA payment, such as using VISA checkout. My application is used in a scenario where users make payments and top up in the mobile application. If the user uses VISA payment, it will be used as a payment method for the user. Finally, my company, as a merchant, can withdraw funds in the background. I want to know if my idea can be realized, and if so, I would like to know which API I should apply for on the dashboard.

[SyedSa]

Hi @shuang_li, Thank you for reaching out. An agent will get back to you as soon as possible. Until then, if any community member has information that may be helpful, feel free to reply in this thread.

[API_Products]

Hey @shuang_li ,

Based on the information available on the developer.visa.com platform, your idea can be realized using Visa's Direct APIs. Here's a breakdown of the solution that aligns with your requirements:

1. Visa Checkout: This service has been replaced by Visa's Click to Pay, which is part of the EMV Secure Remote Commerce (SRC) initiative. Click to Pay provides a seamless checkout experience for customers using their Visa cards.

2. For your mobile application scenario, you should consider implementing the following Visa APIs:

a. Visa Token Service (VTS): This allows you to tokenize card information, enhancing security for mobile payments.

b. Visa Direct: This API enables real-time push payments to Visa cards, which can be used for both payments and top-ups in your application.

3. For the merchant side (your company's ability to withdraw funds), you can use:

a. Visa Direct for Merchants: This allows for fund transfers from the merchant account to a bank account.

To implement these solutions, you should apply for the following APIs on the Visa Developer dashboard:

1. Visa Token Service (VTS) API
2. Visa Direct API
3. Visa Direct for Merchants API

Additionally, you'll need to integrate with Visa's Click to Pay solution for the checkout process.

Keep in mind that direct integration with Visa's payment system requires compliance with PCI DSS (Payment Card Industry Data Security Standard) and other relevant security standards. You'll also need to go through Visa's approval process and may require sponsorship from an acquiring bank.

It's important to note that while this approach is possible, it's complex and requires significant development and compliance efforts. Many businesses choose to work with payment gateways or payment service providers to simplify the integration process and reduce the compliance burden.

Before proceeding, it's recommended to thoroughly review Visa's documentation, understand the technical and compliance requirements, and possibly consult with a Visa representative to ensure this approach aligns with your specific use case and capabilities.