# VisaNet Connect - Acceptance

## Process in-store, in-app, and online payments through a direct interface to Visa’s global payments system.

## Available for use by

Acquirer Banks

## Regional Availability

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

## Fees & Terms

Free to use in Sandbox. Contact for Production fees. Product terms located at end of the page.

## Direct access to VisaNet to securely enable innovative payments solutions

VisaNet Connect APIs enable Visa clients -- such as acquirers, acquirer-processors, and approved technology partners -- to process in-store, in-app, and online payments through a direct interface to Visa’s global payment system. Clients can quickly and securely process these and other payments solutions over a simple internet connection to VisaNet, eliminating the need for installing hardware at the client’s site.

### Key Features

### Simplified payments

Supports **in-store**, **in-app**, and **online** payments, removing processing complexity and the need for clearing batches.

### Speed to market

Brings solutions to market faster with **open standards** and direct access to VisaNet to authorize, clear, and settle payments.

### Lightweight interface

Simplifies integration efforts with client applications through easy-to-code **RESTful APIs**.

### Security and reliability

Provides access to a **trusted network** to help ensure that payments are handled securely.

### How It Works

**Cardholder submits payment**  
Cardholder initiates a card (PAN) or token-based payment. This payment request can be for purchases made in-store (POS), in-app, or online, including eCommerce and Mail Order/Telephone Order (MOTO). Additional use cases include installments, recurring payments, bill payments, debt repayments, and others.

**Client sends payment request**  
Client host* sends payment requests directly to Visa over the internet via VisaNet Connect APIs.  
_\*Acquirers, acquirer-processors, and approved technology partners._

**Visa routes payment request to Issuer**  
Visa translates and augments API messages with additional data for the issuer to use in making a payment decision, then routes the payment request to issuer.

**Issuer sends payment decision**  
Issuer approves or declines the payment request and responds to Visa with the decision.

**Visa routes payment decision to client**  
Visa receives issuer payment decision and routes this back to the client via an API message.

**Client receives reports from Visa**  
Visa performs end-of-day settlement to the acquirer and sends daily reports to the acquirer, client, or both.

### APIs Used

### Authorization API

Used to request approval of PAN or token based transactions. To enable the clearing and settlement of an approved transaction, a subsequent Capture API request is required.  
- [API Docs](https://developer.visa.com/capabilities/visanet-connect-acceptance/docs-getting-started)  
- [API Reference](https://developer.visa.com/capabilities/visanet-connect-acceptance/reference)

### Capture API

Used to initiate the clearing and settlement of a previously approved authorization request. The Capture API request must be submitted as soon as a client fulfills a customer’s order and must be within 30 days of the original authorization request.  
- [API Docs](https://developer.visa.com/capabilities/visanet-connect-acceptance/docs-getting-started)  
- [API Reference](https://developer.visa.com/capabilities/visanet-connect-acceptance/reference)

### Sales API

Used for a purchase when goods or services are delivered immediately to the consumer.  
- [API Docs](https://developer.visa.com/capabilities/visanet-connect-acceptance/docs-getting-started)  
- [API Reference](https://developer.visa.com/capabilities/visanet-connect-acceptance/reference)

### Refund API

Used to submit credit vouchers or merchandise returns for card and token based transactions.  
- [API Docs](https://developer.visa.com/capabilities/visanet-connect-acceptance/docs-getting-started)  
- [API Reference](https://developer.visa.com/capabilities/visanet-connect-acceptance/reference)

### Void API

Used to reverse an outstanding or previously approved transaction. Voids can also be submitted in case of time outs.  
- [API Docs](https://developer.visa.com/capabilities/visanet-connect-acceptance/docs-getting-started)  
- [API Reference](https://developer.visa.com/capabilities/visanet-connect-acceptance/reference)

### Verification API

Used to validate cardholder account information. Account verification is supported for both Visa and non-Visa brands.  
- [API Docs](https://developer.visa.com/capabilities/visanet-connect-acceptance/docs-getting-started)  
- [API Reference](https://developer.visa.com/capabilities/visanet-connect-acceptance/reference)