You can apply features to different payment services to enhance the customer payments
processing experience. This section includes an overview of these features:
Debit and Prepaid Card Payments
A Debit cards is linked to a cardholder's checking account. A merchant who accepts the debit card can deduct funds directly from the linked cardholder's account.
You can process debit cards using these services:
- Credit card services
- PIN debit services
- Partial authorizations, which are a special feature available for debit cards
- Balance inquiries, which are a special feature available for debit cards
Requirements
In Canada, to process domestic debit transactions on
Visa Platform Connect
with Mastercard, you must contact customer support to have your account configured for
this feature.Related Information
- See Debit and Prepaid Card Processing for information that shows you how to process authorizations that use a debit or prepaid card.
Payer Authentication
Payer authentication is run before a transaction is submitted for authorization. Most of
the time payer authentication is bundled with authorization so that after payer
authentication happens, the transaction is automatically submitted for authorization.
Payer authentication and authorization can be configured to occur as separate
operations. This section shows you how to run payer authentication as a separate process
and pass the payer authentication data when seeking authorization for a transaction.
Payer authentication consists of a two-step verification process that adds an extra layer
of fraud protection during the payment process. During transactions, the transaction
device, location, past purchasing habits, and other factors are analyzed for indications
of fraud. This process collects customer data during the transaction from at least two
of these three categories:
- Something you have: A payment card or a payment card number
- Something you know: A password or pin
- Something you are: Facial recognition or fingerprint
Each of these payment card companies has its own payer authentication product:
- American Express: SafeKey
- Discover: ProtectBuy
- JCB: J/Secure
- Mastercard: Identity Check
- Visa: Visa Secure
Payer authentication can be used to satisfy the Strong Customer Authentication (SCA)
requirement of the Payment Services Directive (PSD2). SCA applies to the European
Economic Area (EEA) and the United Kingdom. SCA requires banks to perform additional
checks when customers make payments to confirm their identity.
Related Information
- See the Payer Authentication Developer Guide for more information about payer authentication.
- See Payer Authentication Processing for information about how to process payments with payer authentication.
Stored Credentials
Credentialed transactions are transactions that involve either storing a customer's
payment credentials for future transactions or using a customer's already stored payment
credentials. When processing a credentialed transaction, you must indicate the type of credentialed transaction and the reason for the transaction.
There are several types of credentialed transactions:
- Customer-Initiated Transactions (CITs): Any transaction a customer is actively participating in such as making a card-present payment, completing an online checkout, or by using a stored credential.
- Merchant-Initiated Transactions (MITs): Any transaction a merchant initiates without the customer's participation such as an industry practice transaction or a standing instruction transaction.
- Industry Practice Transactions: MITs that are performed as subsequent transactions to a CIT because the initial transaction could not be completed in one transaction. Not every industry practice transaction involves a stored credential. If a stored credential is used only for one transaction, that transaction is not considered a credentialed transaction.
- Standing Instruction Transactions: MITs that are performed to follow agreed-upon instructions from the customer for the provision of goods and services.
Related Information
- See Processing Payments Using Credentials for information that shows you how to process transactions using credentials.
Visa Bill Payments
Visa provides a Bill Payment program that enables customers to use their Visa cards to
pay their bills. When you participate in this program, Visa requests that you flag the
bill payments and credits so they can be easily identified.
The bill payment indicator is accepted no matter which processor you are using, do not use this indicator if you have not signed up with Visa to participate in the program.
This feature is not the same as the Visa Consumer Bill Payment Service.
Supported Services
You can process Visa Bill Payments using these services:
- Authorization
- Credit
Fields Specific to this Use Case
Authorization:
include this field in a standard authorization when processing
a Visa Bill Payment: Credit:
include this field in a standard credit when processing a Visa Bill
Payment: Endpoints
Authorization:
Credit:
Requirement
Before you process Visa Bill Payments, you must sign up with Visa to participate in the program.
Related Information
- See Visa Bill Payments Processing for information that shows you how to process Visa Bill Payment transactions.