## Visa Intelligent Data Exchange API

## Getting Started

### About

By connecting to the Visa IDX API, third-party data providers may pass transaction data and cardholder information to Visa prior to authorization in real-time. Visa then passes select data to issuers via the Visa IDX mechanism by including it in Field 34 and/or Field 56 of the ISO 8583 authorization message. Issuers can use this data to detect more fraud and approve more legitimate transactions, thereby enhancing their authorization decisioning strategy in real-time.

### Audience

The Visa IDX API is intended for third-party data providers, including payment service providers and fraud prevention providers. This may include, but is not limited to, non-Visa entities that collect, aggregate, distribute, and leverage cardholder and transaction information to perform authentication and/or risk assessment in CNP environments.

### Prerequisites

Third-party data providers that wish to use the Visa IDX API must met the following prerequisites:

- Register on VDC to obtain required credentials, including API keys.
- Meet all guidelines regarding the Visa IDX Match Key, data security, encryption, API specification, and testing present in the _Visa Intelligent Data Exchange (Visa IDX) API Implementation Guide_ and the Visa IDX API Reference specification on VDC.

Review the _Visa Intelligent Data Exchange (Visa IDX) API Implementation Guide_ for comprehensive guidance on connecting to the Visa IDX API.