# Visa Direct request to pay ## Designed as a scalable, scheme agnostic solution to enhance the user experience of requesting and receiving funds ## available for use by - Issuer Banks - Acquirer Banks - Merchants - Independent Developers - Issuer Banks for Small Business ## Regional Availability - N. America - Asia-Pacific - Europe - CEMEA - LAC ### Send and receive payment requests with Visa Direct request to pay Innovate and simplify services for you and your clients with our secure, fast and convenient messaging framework. - Rail Agnostic: Designed to be rail agnostic, the Visa Direct request to pay API is extendable to support additional settlement mechanisms. - New Flows: Allow clients to enable new payment flows across various use cases and markets. - Differentiate and Innovate: Help your clients to go to market with convenient and innovative solutions that are simple to build. The Visa Direct request to pay framework supports the requests with a simple set of steps: The **payee** submits a request for payment to **Visa Direct request to pay** via their **service provider** The **Visa Direct request to pay** processes the request and forwards it to the **payer's service provider** The **payer** receives the request to pay from their **service provider** The **payer** can accept the request to pay and pay using agreed payment methods or reject it The **payer's service provider** confirms the acceptance or rejection of request by the **payer** back to the **Visa Direct request to pay** **The Visa Direct request to pay** confirms the acceptance or rejection of the request to pay to the **payee** via their **service provider** ### Key Features #### Simple to build The API set is easy to use, facilitating quick development ### Request to pay Life cycle management Simplified APIs for request to pay life cycle management ### Payment rail agnostic Supports requests that are settled outside the Visa eco-system ### Block control management Consumer protections designed to help prevent spam and harassment ### Security and resilience Secure and trusted channels for payment request messaging ### Risk management controls Configurable risk management controls applied during request to pay processing ### What is Visa Direct request to pay? Visa Direct request to pay is a secure messaging solution which gives the ability for payees to request a payment from payers via a secure digital message. Once the request is received by the payer, they are able to make a payment or reject the request. Request to pay is a scalable, interoperable, and scheme agnostic solution designed to enable an enhanced user experience for sending and receiving funds. #### Benefits ### Control of payment Provide payees with control over active payment requests, including the ability to modify or cancel active payment requests. Enable payers to dictate when and how payments are made. ### Cashflow management Address the pain point of 'lost' invoices sent through insecure email/post, streamline communication, and include enriched data feature facilitates to support easy payment reconciliation. ### Better customer experience & greater flexibility Enable experiences where end users do not need to see or use account or card numbers. Payers and payees can see and track updates on their request to pay. ## How Does It Work? Visa Direct request to pay can be tailored to support use cases according to clients demand and enable new flows. Flow Diagram Image Description * * * Flow DiagramImage Description Zoom](https://developer.visa.com/images2/products/visa-rtx/HowDoesItWork_R2P.png) **Step 1:** Payee uses an app to initiate a request to pay **Step 2:** Payee's service provider submits an Initiate R2P to Visa **Step 3:** The Visa Direct request to pay forwards the request to the payer's service provider **Step 4:** The payer's service provider notifies the payer of the request to pay **Step 5:** Payer receives and approves the request to pay **Step 6 and Step 7:** The payer service provider sends funds to the payee service provider via the agreed Payment Network **Step 8:** The payer service provider sends a Confirm R2P to Visa Direct request to pay **Step 9:** The Visa Direct request to pay sends Confirm R2P request to the payee service provider **Step 10:** The payee service provider notifies payee ## Use Cases - Visa Direct request to pay Visa Direct request to pay can be tailored depending on the type of client and client's needs. The following use cases represent the subset currently supported by our API: ### P2P (Person to Person) Individual users requesting payments from other individual users. **Example use cases:** - Splitting bills - Funds collection ### B2C (Business to Consumer)* Business users requesting payments from their customers. **\*** The B2C use case is in the process of development, and should be understood as a representation of the potential feature of the fully-developed product. The final version of this product (if any) may not contain all of the features described in this document. ## Availability Visa Direct request to pay enables a set of capabilities for clients that can plug in to their existing payment processes, with simple integration and development. | North America | Asia-Pacific | Europe | CEMEA | LAC | Notes | | --- | --- | --- | --- | --- | --- | | | | | | | | KEY - Available in entire region - Not available - See notes for available countries Please contact your regional Visa account manager or representative for more details on the availability of Visa Direct request to pay in your market.