Visa helps financial institutions, enablers and networks to accelerate market adoption and implement controls for real-time payments.
Visa’s overlay services help support your real-time payments innovation, minimize risks and optimize efficiency with solutions built for 24/7/365 processing. Our overlay services are interoperable with account-based real-time payment networks. Learn more below.
Using an alias or proxy, such as an email address or mobile number, to initiate a payment can make it easier for parties to send or receive payments without exchanging sensitive payment data. Visa Alias Directory allows financial institutions, service providers, networks, governments and businesses to store and maintain their clients’ aliases linked to bank account or debit card credentials. Through Directory Network Manager, the Visa Alias Directory Service has the capability to allow participants to connect to multiple participating directories using a single access point.
Learn more about Visa’s Alias Directory Service and Directory Network Manager
The Request to Pay service supports data-rich ISO 20022 messaging for bill payments and other digital payments use cases that require an electronic request for payment. Financial institutions, service providers, and networks can use APIs to facilitate new two-way communications among creditors and debtors. You have the flexibility to create personalized experiences for your clients by setting parameters. This service is payment-rail agnostic.
The Visa RTP Prevent Service provides a multi-FI risk analysis feed uniquely built for real-time payments. Deep learning artificial intelligence models are continuously enhanced to help financial institutions detect clusters of potential scam behaviors in real-time. You can use APIs to receive real-time transaction scores that can also be incorporated into your existing risk and fraud management tools and processes.
Visa’s Payment Account Tokenization SaaS helps to mitigate account-based fraud for both real-time payments and batch payments. With Token ID’s proven tokenization technologies, central operators, clearing houses and financial institutions can help protect sensitive account data, proactively request tokens directly and benefit from automated in-network tokenization. The tokens can be routed through existing payment networks, without disrupting existing transaction flows.