Visa Credit Card Application (CCA)

API to report US credit card application data.

available for use by

Issuer Banks

Regional Availability

• N. America
• Asia-Pacific
• Europe
• CEMEA
• LAC

FEES & TERMS

Free to use in Sandbox and Production. Product Terms below.

Credit Card Application Reporting

In the US Region: A Visa Consumer Credit Card Issuer must:

• Report information from all approved or declined Visa Consumer Credit Card applications, unauthorized transaction requests and all fraudulent applications.
• Ensure that it and its agents report complete and correct information, as specified by Visa.
• Make the report within 48 hours after it has approved or declined the application or determined that a Card or Payment Credential experienced unauthorized or fraudulent use.
• Make only one report per category of unauthorized use per Payment Credential, regardless of the number of unauthorized transactions.
• Submit all records in accordance with the Credit Card Application (CCA) Reporting Requirements and User Guide and the Credit Card Application (CCA) Message Layouts.
• Authorize Visa to use or transfer the information reported to CCA for any purpose permitted by applicable laws or regulations, including, but not limited to, identifying, mitigating and preventing fraudulent activity.

A Visa Consumer Credit Card Issuer may only use CCA data and corresponding insights provided by Visa for fraud identification, mitigation or prevention and for no other purpose, including but not limited to, making any creditworthiness or eligibility decisions.

API Included

CCA Realtime API

This endpoint allows the reporting of credit card application data.

• API Reference
• Product Terms