# 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

Register, retrieve, update, and delete the Primary (Lead) Credential and Secondary Credential(s) for usage in VFC.

- [API Docs](https://developer.visa.com/capabilities/visa-flexible-credential/docs-getting-started)
- [API Reference](https://developer.visa.com/capabilities/visa-flexible-credential/reference)

### 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.