Visa Token Service - Card on File Fact Sheet

Fact Sheet

Card on File (COF) Data API

Card on File (COF) Data API is designed to give issuers visibility over which merchants and service providers have stored a cardholder's payment credentials. With this insight, issuers can enable cardholders to add, view, and manage their Visa cards with ease.

Empower cardholders with centralized card management

Consumers can choose to store their payment credentials with a variety of online retailers and service providers, but often lack visibility of which merchants have this information and whether the payment credential is up to date.

Potential benefits

Increase cardholder engagement by offering innovative consumer experiences.
Reduce unintended transaction declines. Proactive messaging can help maintain up-to-date credentials.
Increase operational efficiency. Reduce call center volumes by offering cardholders more self-service options.

How it works

COF Data API scans historical transactions originating from merchants who may store credentials on file. It analyzes potential COF merchant flags such as the merchant name, bill pay, recurring transactions, credential status, and account verification, to provide detailed information about the merchant and the transaction.

Cardholder logs in to bank account.
Cardholder selects which card to review.
Cardholder selects a service where their card credential is stored.
Cardholder clicks merchant icon to view detailed card transaction information.

Features

Richer data
Transaction management
Return COF merchant details and increase confidence in transactions.
Share transaction details of recent purchases using stored credentials.
Protect top-of-wallet status.
Running transaction count.
Proactively manage COF messaging in the case of re-issuance.
Return 13 months of running transactions including the last transaction date for each merchant.

Learn more

For more information, contact your Visa Account Executive or click here to fill out our online enquiry form.