API Overview

Visa Bank Account Validation Merchant Guide
- Recent Revisions to This Document

Introduction to Visa Bank Account Validation
- Requirements for Visa Bank Account Validation

Generating a P12 Certificate

Enabling Message-Level Encryption

Validating a Bank Account
- Validate an Account Using Routing and Account Number
  - Required Fields for Validating an Account
  - Optional Fields for Validating an Account
  - REST API Example: Validating an Account Using Routing and Account Number
- Validating an Account Using Transient Tokens
  - Validating an Account Using a Transient Token: JSON Web TOKEN(JWT)
    - Required Fields for Validating an Account
    - Optional Fields for Validating an Account
    - REST API Example: Validating an Account with Transient Token (JWT)
  - Validating an Account Using a Transient Token: JSON Token ID
    - Required Fields for Validating an Account
    - Optional Fields for Validating an Account
    - REST API Example: Validating an Account Using a Transient Token (JSON Token ID)
- Validating an Account Using Regular TMS Tokens
  - Validating an Account Using a TMS Token: Customer Identifier
    - Required Fields for Validating an Account
    - Optional Fields for Validating an Account
    - REST API Example: Validating an Account Using a Customer Identifier
  - Validating an Account Using a TMS Token: Instrument Identifier
    - Required Fields for Validating an Account
    - Optional Fields for Validating an Account
    - REST API Example: Validating an Account Using an Instrument Identifier
  - Validation Using a TMS Token: Payment Instrument Identifier
    - Required Fields for Validating an Account
    - Optional Fields for Validating an Account
    - REST API Example: Validating an Account Using a Payment Instrument Identifier

Response to a Successful Request
- API Response Codes for a Successful Request

Response to an Unsuccessful Request
- HTTP Status Codes for an Unsuccessful Request

Reference Information
- Viewing a Transaction in Business Center
  - Transaction Search
  - Transaction Details
- Reporting
- Testing Data

On This Page

Requirements for Visa Bank Account Validation

In the US, Visa Bank Account Validation enables you to validate your customer's routing and bank account information based on their ACH history. Before you can start using it, you must meet these requirements:

Verify that you have the capability to use the REST API.

Contact the Cybersource sales team or your contracting partner to request onboarding for the Visa Bank Account Validation product.

Generate a REST key P12 certificate for your merchant ID (MID) so that you can send requests. For more information, see Generating a P12 Certificate.

Enable Message-Level Encryption (MLE) so that you can send all Visa Bank Account Validation API requests, including requests submitted using tokenized data to Cybersource. For more information, see Enabling Message-Level Encryption.

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