Visa Flex Credential

Permits certain Visa credentials to dynamically access multiple funding options for eligible transactions

available for use by

Issuer Banks

Regional Availability

N. America
Asia-Pacific
Europe
CEMEA
LAC

FEES & TERMS

Free to use in Sandbox. Contact Visa for fees in Production.

Visa Flex Credential (VFC) enables Issuers and Fintechs to broaden the services they can provide to new and existing cardholders by enabling easy access to multiple funding sources through a single Visa credential.

VFC Managed and VFC Self-Serve are two deployment models available for VFC issuers, solving for the same use cases but with different deployment approaches and feature-sets. These APIs are only applicable for VFC Managed. For details on VFC Self-Serve, please contact your Visa representative for more information.

Key Features

Capability for accessing multiple accounts from a single issuer with a single credential

Consumer can link both new and existing accounts and pre-set how to fund transactions via issuer mobile app

Same acceptance and security as underlying Visa products

How It Works

Visa Flex Credential enables Issuers to broaden the services they can provide to new and existing cardholders by enabling easy access to multiple funding sources through a single Visa credential.

Program Enrollment: Issuer enrolls participating cards into Visa Flex Credential, and registers for use-cases and programs with Visa.
Pre-Transaction: Issuer offers a cardholder experience to collect consumer choice of funding for an upcoming transaction, or defines a predetermined set of rules for identifying transactions. Depending on the implementation model, the rules/choices are stored within Visa firewalls (managed model) or within Issuer firewalls (self-serve model).
During Transaction: Visa qualifies a transaction as eligible per the pre-set program rules. Visa/Issuer confirms the funding source for the transaction based on pre-set cardholder choices and program eligibility. Issuer approves the transaction and Visa sends the appropriate funding source details to the Acquirer in the response.
Post-Transaction: Visa clears the transaction on the product ID and account funding source approved at the time of purchase (and completes settlement and reporting accordingly).

APIs Included

Card Management

Relationship Management

Create, retrieve, update, and delete the relationships between the Primary (Lead) Credential and Secondary Credential(s).

Rules Management

Create, review, update, and delete rules that govern the criteria for using the Primary (Lead) Credential and Secondary Credential(s).

Authorization Decision

Retrieve routing recommendations for a specific record in real time.

Transaction Search

Retrieve transaction details and card history information.

Notification Delivery Callback

Receive notifications from VFC when an authorization decision has been made.