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Visa

Intro

Visa is one of the world’s largest card brands that facilitates online payments in over 200 countries. Originating from Bank of America’s initiative to introduce a new unified financial instrument for consumers in 1958, it has now issued over 3.3 bln cards worldwide.

Visa Credit

Visa Credit is the main card brand in the Visa family.

Visa Debit

A major Visa debit card, available globally. Visa Debit cards are linked to the consumers’ bank accounts. In many countries the Visa Debit functionality also allows access to ATM and domestic networks.

Visa Electron

Visa Electron is a debit card available across most of the world, with the exception of Canada, Australia, Ireland and the United States. It was introduced in 1985. The difference between Visa Electron and Visa Debit is that Visa Electron card doesn’t allow overdraft.

Verified by Visa

Is an additional security authentication that helps identify the consumer when online shopping using their Secure code. It is supported by many issuing banks in order to reduce fraud and disputed payments.

Overview

Payment group:
Payment product id:
1
Key benefits
  • Real time authorisation
  • Secure payments
  • Fast settlement cycle
  • International acceptance

Countries & currencies

Supported countries

Supported currencies

  • Albanian lek (ALL)
  • Algerian dinar (DZD)
  • Angolan kwanza (AOA)
  • Argentine peso (ARS)
  • Armenian dram (AMD)
  • Aruban florin (AWG)
  • Australian dollar (AUD)
  • Azerbaijani manat (AZN)
  • Bahamian dollar (BSD)
  • Bahraini dinar (BHD)
  • Bangladeshi taka (BDT)
  • Barbados dollar (BBD)
  • Belarusian ruble (BYN)
  • Belize dollar (BZD)
  • Bermudian dollar (BMD)
  • Bhutanese ngultrum (BTN)
  • Boliviano (BOB)
  • Bosnia and Herzegovina convertible mark (BAM)
  • Botswana pula (BWP)
  • Brazilian real (BRL)
  • Brunei dollar (BND)
  • Bulgarian lev (BGN)
  • Burundian franc (BIF)
  • Cambodian riel (KHR)
  • Canadian dollar (CAD)
  • Cape Verde escudo (CVE)
  • Cayman Islands dollar (KYD)
  • CFA franc BCEAO (XOF)
  • CFA franc BEAC (XAF)
  • CFP franc (franc Pacifique) (XPF)
  • Chilean peso (CLP)
  • Chinese yuan (CNY)
  • Colombian peso (COP)
  • Comoro franc (KMF)
  • Congolese franc (CDF)
  • Costa Rican colon (CRC)
  • Croatian kuna (HRK)
  • Czech koruna (CZK)
  • Danish krone (DKK)
  • Djiboutian franc (DJF)
  • Dominican peso (DOP)
  • East Caribbean dollar (XCD)
  • Egyptian pound (EGP)
  • Eritrean nakfa (ERN)
  • Ethiopian birr (ETB)
  • Euro (EUR)
  • Falkland Islands pound (FKP)
  • Fiji dollar (FJD)
  • Gambian dalasi (GMD)
  • Georgian lari (GEL)
  • Ghanaian cedi (GHS)
  • Gibraltar pound (GIP)
  • Guatemalan quetzal (GTQ)
  • Guinean franc (GNF)
  • Guyanese dollar (GYD)
  • Haitian gourde (HTG)
  • Honduran lempira (HNL)
  • Hong Kong dollar (HKD)
  • Hungarian forint (HUF)
  • Icelandic króna (ISK)
  • Indian rupee (INR)
  • Indonesian rupiah (IDR)
  • Iraqi dinar (IQD)
  • Israeli new shekel (ILS)
  • Jamaican dollar (JMD)
  • Japanese yen (JPY)
  • Jordanian dinar (JOD)
  • Kazakhstani tenge (KZT)
  • Kenyan shilling (KES)
  • Kuwaiti dinar (KWD)
  • Kyrgyzstani som (KGS)
  • Lao kip (LAK)
  • Lebanese pound (LBP)
  • Lesotho loti (LSL)
  • Liberian dollar (LRD)
  • Libyan dinar (LYD)
  • Macanese pataca (MOP)
  • Macedonian denar (MKD)
  • Malagasy ariary (MGA)
  • Malawian kwacha (MWK)
  • Malaysian ringgit (MYR)
  • Maldivian rufiyaa (MVR)
  • Mauritanian ouguiya (MRO)
  • Mauritian rupee (MUR)
  • Mexican peso (MXN)
  • Moldovan leu (MDL)
  • Mongolian tugrik (MNT)
  • Moroccan dirham (MAD)
  • Mozambican metical (MZN)
  • Myanmar kyat (MMK)
  • Namibian dollar (NAD)
  • Nepalese rupee (NPR)
  • Netherlands Antillean guilder (ANG)
  • New Taiwan dollar (TWD)
  • New Zealand dollar (NZD)
  • Nicaraguan córdoba (NIO)
  • Nigerian naira (NGN)
  • Norwegian krone (NOK)
  • Omani rial (OMR)
  • Pakistani rupee (PKR)
  • Panamanian balboa (PAB)
  • Papua New Guinean kina (PGK)
  • Paraguayan guaraní (PYG)
  • Peruvian nuevo sol (PEN)
  • Philippine peso (PHP)
  • Polish zloty (PLN)
  • Pound sterling (GBP)
  • Qatari riyal (QAR)
  • Romanian new leu (RON)
  • Russian ruble (RUB)
  • Rwandan franc (RWF)
  • Saint Helena pound (SHP)
  • Salvadoran Colon (SVC)
  • Samoan tala (WST)
  • São Tomé and Príncipe dobra (STD)
  • Saudi riyal (SAR)
  • Serbian dinar (RSD)
  • Seychelles rupee (SCR)
  • Sierra Leonean leone (SLL)
  • Singapore dollar (SGD)
  • Solomon Islands dollar (SBD)
  • Somali shilling (SOS)
  • South African rand (ZAR)
  • South Korean won (KRW)
  • Sri Lankan rupee (LKR)
  • Surinamese dollar (SRD)
  • Swazi lilangeni (SZL)
  • Swedish krona/kronor (SEK)
  • Swiss franc (CHF)
  • Tajikistani somoni (TJS)
  • Tanzanian shilling (TZS)
  • Thai baht (THB)
  • Tongan paÊ»anga (TOP)
  • Trinidad and Tobago dollar (TTD)
  • Tunisian dinar (TND)
  • Turkish lira (TRY)
  • Turkmenistani manat (TMT)
  • Ugandan shilling (UGX)
  • Ukrainian hryvnia (UAH)
  • United Arab Emirates dirham (AED)
  • United States dollar (USD)
  • Uruguayan peso (UYU)
  • Uzbekistan som (UZS)
  • Vanuatu vatu (VUV)
  • Venezuelan bolívar (VEF)
  • Vietnamese dong (VND)
  • Yemeni rial (YER)
  • Zambian kwacha (ZMW)
  • Zimbabwe dollar (ZWD)

Integration

We offer this payment methods for the following integration modes. Learn in our dedicated guides about their individual differences:

Find a high level overview in the "Process flows" chapter.

Depending on the integration mode, differences apply:

Hosted Checkout Page

Add the following properties to a standard CreateHostedCheckout request:


{
	"HostedCheckoutSpecificInput": {
		"ReturnUrl": "https://yourReturnUrl.com"
	},
	"Order": {
		"AmountOfMoney": {
			"Amount": 100,
			"CurrencyCode": "EUR"
		}
	}
}
Properties Remarks

hostedCheckoutSpecificInput.returnURL

The URL we redirect your customers to after the payment has been finalised.

order.amountOfMoney
     amount
     currencyCode

amount: The gross amount you want to charge for this order.
currencyCode: The ISO 4217 currency code for this amount.

Find detailed information about this object and its properties in our CreateHostedCheckoutAPI.

Hosted Tokenization Page

Add the following properties to a standard CreatePayment request (including mandatory 3-D Secure properties) after you have tokenised the card:


{
	"CardPaymentMethodSpecificInput": {
		"Token": "tokenId",
		"ThreeDSecure": {
			"RedirectionData": {
				"ReturnUrl": "https://yourRedirectionUrl.com"
				}
			}
		},
		"Order": {
			"AmountOfMoney": {
				"Amount": 100,
				"CurrencyCode": "EUR"
			},
			"Customer": {
				"Device": {
                                "AcceptHeader": 
"text/html,application/xhtml+xml,application/xml;q=0.9,image/webp,image/apng,*/*;q=0.8,application/signed-exchange;v=b3", "Locale": "en_EN", "TimezoneOffsetUtcMinutes": -180, "UserAgent": "Mozilla/5.0 (Windows NT 10.0; Win64; x64) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/75.0.3770.142 Safari/537.36", "Browserdata": { "ColorDepth": 24, "JavaScriptEnabled": false, "ScreenHeight": "1080", "ScreenWidth": "1920" } } } } }
Properties Remarks

cardPaymentMethodSpecificInput.token

Token: The tokenised credit card credentials you have received by tokenising the credentials/getting the token. Learn more in our dedicated Hosted Tokenization Page guide.

cardPaymentMethodSpecificInput.threeDSecure 
     redirectionData.returnURL
     skipAuthentication

returnURL: The URL we redirect your customers to after the payment has been finalised.
skipAuthentication: Indicate whether to roll out 3-D Secure for this order.

order.amountOfMoney
     amount
     currencyCode

amount: The gross amount you want to charge for this order.
currencyCode: The ISO 4217 currency code for this amount.

customer.device
     acceptHeader
     locale
     timezoneOffsetUtcMinutes
     userAgent
     browserdata
          colorDepth
          javaScriptEnabled
          screenHeight
          screenWidth

Minimum properties to comply with SCA for 3-D Secure authentication.

Check our dedicated guide to learn how to request 3-D Secure correctly and our API reference for more information about the properties.

Find detailed information about this object and its properties in our HostedTokenizationAPI/ CreatePaymentAPI.

Server-to-server

Add the following properties to a standard CreatePayment request (including mandatory 3-D Secure properties):

{
	"CardPaymentMethodSpecificInput": {
		"PaymentProductId": XXX,
		"SkipAuthentication": false,
		"Card": {
			"CardholderName": "John Doe",
			"CardNumber": "0000000000000000",
			"Cvv": 123,
			"ExpiryDate": 1236
		},
		"ThreeDSecure": {
			"RedirectionData": {
				"ReturnUrl": "https://yourRedirectionUrl.com"
			}
		}
	},
	"Order": {
		"AmountOfMoney": {
			"Amount": 100,
			"CurrencyCode": "EUR"
		},
		"Customer": {
			"Device": {
				"AcceptHeader": "text/html,application/xhtml+xml,application/xml;q=0.9,image/webp,image/apng,*/*;q=0.8,application/signed-exchange;v=b3",
				"Locale": "en_EN",
				"TimezoneOffsetUtcMinutes": -180,
				"UserAgent": "Mozilla/5.0 (Windows NT 10.0; Win64; x64) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/75.0.3770.142 Safari/537.36",
				"Browserdata": {
					"ColorDepth": 24,
					"JavaScriptEnabled": false,
					"ScreenHeight": "1080",
					"ScreenWidth": "1920"
				}
			}
		}
	}
}
Properties Remarks

cardPaymentMethodSpecificInput.paymentProductId

cardPaymentMethodSpecificInput.card
     cardholderName
     cardNumber
     cvv
     expiryDate

cardPaymentMethodSpecificInput.ThreeDSecure
     redirectionData.returnURL
     skipAuthentication

paymentProductId: The numeric identifier of the payment method on our platform. Find this id in the "Overview" chapter.


cardPaymentMethodSpecificInput.card: The credentials of the card used for the payment.
Make sure to fulfill the necessary PCI DSS requirements for sending sensitive data.

returnURL: The URL we redirect your customers to after the payment has been finalised.
skipAuthentication: Indicate whether to roll out 3-D Secure for this order.

order.amountOfMoney
     amount
     currencyCode

amount: The gross amount you want to charge for this order.
currencyCode: The ISO 4217 currency code for this amount.

customer.device
     acceptHeader
     locale
     timezoneOffsetUtcMinutes
     userAgent
     browserdata
          colorDepth
          javaScriptEnabled
          screenHeight
          screenWidth

Minimum properties to comply with SCA for 3-D Secure authentication.

Check our dedicated guide to learn how to request 3-D Secure correctly and our API reference for more information about the properties.

Find detailed information about this object and its properties in our CreatePaymentAPI.

Process flows

We offer this payment method for all our integration modes. Regardless of the mode you choose, the flow follows some basic steps as described below. Learn in our dedicated guides about the individual differences:

  1. Your customers finalise an order in your shop and select this payment method.
  2. You send a CreateHostedCheckout/CreatePayment request to our platform. Depending on your integration mode, differences apply. Check out the “Integration” chapter to find examples for each mode.
  3. Our platform sends you a response with instructions for the next steps of the flow.
  4. Your customers provide their credit card number and are redirected to their issuer for 3-D Secure authentication.
  5. Our system receives the 3-D authentication result from the issuer.
  6. We process the transaction and receive the result from the acquirer.
  7. We redirect your customer to your returnUrl
  8. You request the transaction result from our platform via GetPaymentDetails /GetHostedCheckout or receive the result via webhooks.
  9. If the transaction was successful, you can deliver the goods / service.

Testing

Refer to our Test cases for test data and detailed instructions.

Make sure to use the right endpoint and switch back to the live URL as soon as you have finished your tests.

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