Payment Methods

CyberSource Payments processes debit, credit and closed-loop gift cards across the globe and across multiple channels with unparalleled scalability and security. CyberSource supports an extensive list of payment cards and recurring billing options across a wide choice of gateways and acquiring banks, all through one connection. Using CyberSource solutions, merchants can accept payments (cards, digital payment services, alternative payments) in over 190 countries, fund in more than 20 currencies, and protect customers from fraud loss by capitalizing on the world’s largest fraud detection radar. Payment security and tokenization solutions enable payment acceptance via the web, mobile and call center/IVR without toxic payment data touching your network or being stored in your environment.

Learn more about CyberSource

Enable sending money in real-time¹ to all eligible U.S. debit or prepaid cards. With the rise of mobile and shared services, consumers and businesses expect faster, more convenient ways to pay. Visa Direct is a solution that helps financial institutions enable businesses to create fast, convenient, and secure digital payment experiences using the cards consumers already have in their wallet. Visa Direct can be used to empower person-to-person (P2P) payments and for government, corporate or merchant funds disbursements for tax refunds, insurance claims reimbursements, rebates, or affiliate/contractor/shared economy provider payouts.

For businesses, Visa Direct can help reduce the costs of using checks and streamline operations, while providing customers with innovative and brand differentiating payment experiences. There are multiple funds disbursement programs and person-to-person payment providers that are live today, and many more are in development. Through financial institutions, Visa Direct enables payment service providers to: 

• Enhance the consumer experience by eliminating the need to provide sensitive identifying information  
• Provide a fast and secure way to send and receive payments backed by Visa’s proven, reliable and trusted payment network
• Participate in a digital payments platform that provides speed, simplicity, security and scale. With fast funds processing, payouts are made and funds can be available in real-time¹ with approved authorization²  
  
  

Learn more about Visa Direct

Available APIs

Funds Transfer API

Pulls funds from sender’s debit card and pushes payment to recipient’s debit card.

Payment Account Attributes Inquiry

Find key attributes of a specific payment account

Payment Account Validation

Access multiple methods of ensuring that a payment account is valid

Reports 

Provides reporting capabilities such as transaction reconciliation data API. The data needed for reconciliation includes transaction details and any exceptions such as chargebacks & reversals. This data allows you to reconcile the transactions sent by your systems with what was processed through VisaNet.

Learn more at the Visa Developer Center  

For consumers and online retailers, Visa Checkout offers an easy and secure way to pay online. Enrolling is intuitive and simple, and shoppers can use any Visa debit or credit card or even other branded cards to make purchases with their mobile devices. Visa Checkout’s single sign-on makes it even easier for customers to check out without leaving the merchant’s website.

Learn more about Visa Checkout

How it works

• Consumers enroll in Visa Checkout and enter their card and address information once when they create their accounts.

• At online retailers that offer Visa Checkout, consumers can then simply choose Visa Checkout, enter their username and password, confirm their purchase amount, and the merchant is automatically provided with their preferred payment card details.

Available APIs

Get Payment Data API

Retrieves the consumer’s payment card and address information for a particular order.

Update Payment Information API

Updates Visa Checkout with the status of the transaction and the final payment amounts.

Web and Mobile Software Development Kits

Downloadable tools that allow merchants to accelerate integration of Visa Checkout into their web and mobile payment pages.

Learn more at the Visa Developer Center