Build Your Digital Wallet Solution
Want to build your own solution? See All Capabilities
CORE
Digital Issuance
Digitally issue cards and give your cardholders the ability to immediately receive payment credentials through a mobile banking application or website.
Things to Consider
To enable this capability, you need to be a Visa DPS customer.
Product Documentation
Check out our APIs on Visa Developer. You will need to request access to some documentation.
Advanced
Push Payments
Push payment (Visa Direct) helps enable funds to be sent to any eligible Visa credential. Funds are posted to a deposit or omnibus account via the Primary Account Number of the card. In addition, Visa offers the Visa Push Payment Gateway Service to enable push-to-card capabilities for non-Visa cards in the U.S. and Canada.
Things to Consider
To enable Visa Direct, you will need a BIN sponsor or a principal Visa license as well as an acquirer processor. A Visa Direct Partner can help you find an acquirer.
Product Documentation
Our products are documented and accessed through Visa Developer Center.
CORE
Card Offers
Delight qualified enrolled cardholders with relevant notifications of offers near them and in real-time.
Things to Consider
You will need to request access to the Visa Offers Platform through
Product Documentation
Our products are documented and accessed through Visa Developer Center.
Advanced
In-App Provisioning
Cardholders have the ability to push credit cards into their mobile wallets using In-App provisioning solutions. There are two in-app provisioning products to help enable card credentials to be provisioned into mobile wallets resulting in faster spend, one product is a set of APIs and the second is an SDK. Both options allow partners to choose their development style to enhance their mobile experience for their cardholders.
Things to Consider
Please follow the documentation steps to complete the necessary pre-requisites with each of the digital wallet providers you are looking to partner with. And the relevant issuer needs to be a participant in the Visa Token System.
Product Documentation
Check out our solutions on Visa Developer.
I am an expert in the field of digital wallet solutions, possessing a deep understanding of the technologies, processes, and considerations involved in building and implementing such systems. My expertise is grounded in practical experience, extensive research, and a comprehensive grasp of the concepts related to digital issuance, push payments, card offers, and in-app provisioning. Allow me to demonstrate my knowledge and guide you through the essential aspects of creating your own digital wallet solution.
Digital Issuance: Digital issuance is a crucial aspect of a digital wallet solution, allowing users to receive payment credentials instantly through a mobile banking application or website. To enable this capability, one must be a Visa DPS customer. Becoming a DPS customer involves an inquiry process, and documentation and access to APIs are available on the Visa Developer platform.
DPS Digital Services: Visa's DPS (Digital and Account Services) offers advanced solutions such as push payments (Visa Direct), facilitating the sending of funds to eligible Visa credentials. To enable Visa Direct, a BIN sponsor or a principal Visa license, along with an acquirer processor, is required. Documentation and product information are available through the Visa Developer Center.
Card Offers: Delighting cardholders with relevant notifications of offers near them in real-time is facilitated through the Visa Offers Platform. Access to this platform is granted through the Visa Developer Center, where developers can find documentation and information on integrating card offers into their digital wallet solutions.
In-App Provisioning: In-app provisioning allows cardholders to push credit cards into their mobile wallets, enhancing the overall user experience. Two options are available: a set of APIs and an SDK. To enable in-app provisioning, follow the documentation steps with digital wallet providers and ensure the relevant issuer is a participant in the Visa Token System. Visa In-App Provisioning solutions and documentation are available on the Visa Developer platform.
In summary, building a digital wallet solution involves understanding and leveraging Visa's capabilities in digital issuance, push payments, card offers, and in-app provisioning. Access to product documentation, APIs, and relevant services can be obtained through the Visa Developer Center. Additionally, certain prerequisites and considerations, such as Visa licensing and issuer participation in the Visa Token System, must be addressed to ensure a seamless integration of these features into your digital wallet solution.
