Visa Direct

Introduction

Visa rails to send and pull funds directly to visa debit card. Visa Direct offers fast, secure, and convenient payment solutions with global reach. Other benefits of Visa Direct include:

• Speed: Near-instant transfers, often within minutes, compared to traditional methods.

• Global Reach: Available in 200+ countries and supports multiple currencies.

• Convenience: Easy to use, requiring only a recipient’s Visa card details.

• Security: Built-in fraud prevention and encryption via Visa’s trusted network.

• Accessibility: Available to anyone with a Visa card, no need for a bank account.

• Versatile: Ideal for consumer-to-consumer, business-to-consumer, and government payments.

How it works?

Visa Direct works by enabling real-time payments directly to a recipient’s Visa debit, credit, or prepaid card. Here’s how it works step-by-step:

• Initiating the Transfer: The sender uses a Züm Rails to send money to a recipient’s Visa debit, credit, or prepaid card, providing their card details.

• Transaction Processing: The sender's bank or service provider requests the payment through Visa’s network, which verifies and authorizes the transaction.

• Sending the Funds: Visa Direct transfers the funds instantly (or within a few minutes) to the recipient’s card.

• Recipient Access: The recipient can immediately use the funds for purchases or withdrawals.

Transaction Types

• You can receive funds using Visa Direct from a user (Accounts Receivable)

• or you can pay a user using Visa Direct (Accounts Payable)

Transaction Limits

Transaction Limit	Minimum	Maximum
Amount limit per transaction	$0.00	Unlimited
Maximum volume per day	$0.00	Unlimited
Transaction per day	$0.00	$99,999,999
Maximum Volume Per Month	$0.00	Unlimited

3D Secure

3D secure enables users to authenticate themselves with their card issuer when making card-not-present (CNP) purchases. The additional security layer helps prevent unauthorized CNP transactions and protects Zūm Rails from CNP exposure to fraud. 3D Secure requires customers to complete an additional verification step with the card issuer when paying.

Payments that have been successfully authenticated using 3D Secure are covered by a liability shift. Should a 3D Secure payment be disputed as fraudulent by the cardholder, the liability shifts from you to the card issuing institution. The 3D Secure SDK will help you secure the payments for Visa direct and Credit card payment methods.

To use 3D Secure, you need to be authorized in the Zūm API. Read here about how to authorize.

{
  "ConnectTokenType": "ThreeDS",
  "UserId": "1111c68f-e927-4e93-b55a-bbec31aaa111",
  "Amount": 10.0,
  "Configuration": {
    "TransactionMethod": "VisaDirect"
  }
}

Once the token is created, it has to be passed into the 3DS SDK. The 3DS SDK will display a pop up if there is a challenge or not, and will return the callbacks with the 3 parameters that are required to create a transaction.

{
  "userId": "57c7c68f-e927-4e93-b55a-bbec31aaa632",
  "cardEci": "05",
  "cardDsTransId": "d65e93c3-35ab-41ba-b307-767bfc19eae3",
  "cardAuthenticationValue": "9ec1JHwF5eWa8/j/hlS5DjHZBsY=",
  "origin": "ZUM_RAILS"
}

The cardEci, cardDsTransId, cardAuthenticationValue values must be provided in the transaction creation API (except for Visa Direct Accounts Payable transactions), for the transaction to go through with 3D Secure.

Testing Credentials

Networks/Brands	Card Number	Type of Transaction	ECI	Status/Success
Visa	4005519200000004; 4124939999999990; 4444333322221111	Frictionless	05	Y
Visa	4009348888881881; 4485660000000007	Frictionless	07	N
Visa	4012000033330026; 4485666666666668	Challenge/Prompt	Depends on the challenge completion	Depends on the challenge completion
Visa	4012000077777777; 4124930001898619	-	-	Error: Card not enrolled
Visa	4166676667666746	Frictionless	00	R - Issuer rejected authentication and requests authorization not to be attempted
Mastercard	5555341244441115; 5406004444444443; 5407721000353481	Frictionless	02	Y
Mastercard	5577000055770004; 5415244444444444	Frictionless	00	N
Mastercard	5100060000000002; 5472065555555557	Challenge/Prompt	Depends on the challenge completion	Depends on the challenge completion
Amex	370000000000002; 370000999999990	Frictionless	05	Y
Amex	370000000100018; 370000222222228	Frictionless	07	N
Amex	378282246310005; 340000111111117	Challenge/Prompt	Depends on the challenge completion	Depends on the challenge completion

To begin using the 3DS contact us through the chat function in the portal or by sending an email at [e-mail].

Transaction Events

• Transaction with type Accounts Receivable started

• Wallet was funded

• Transaction completed

Testing

To simulate an Visa Direct failure, include an event name from the list above in the COMMENT field when creating a transaction. If you don't mention an event in the COMMENT, the transaction will change its status to "Completed" in the sandbox environment. Learn more about testing in Transactions.

Simulating Success

{
  "ZumRailsType": "FundZumWallet",
  "TransactionMethod": "VisaDirect",
  "Amount": 123.45,
  "Memo": "Memo description",
  "Comment": "This transaction will succeed because there's no keyword",
  "UserID": "1d431e8b-...85452adb4eee",
  "WalletId": "8ebd932b-...b92633e14297"
}

SimulatingFailure

{
  "ZumRailsType": "FundZumWallet",
  "TransactionMethod": "VisaDirect",
  "Amount": 123.45,
  "Memo": "Memo description",
  "Comment": "VisaDirectInsufficientFunds",
  "UserID": "1d431e8b-...85452adb4eee",
  "WalletId": "8ebd932b-...b92633e14297"
}