Digital Banking

Consumer and small business banking is changing rapidly as startups like yours re-envision the user experience, product features and more flexible ways for customers to bank.

If you’re launching a debit, prepaid or credit card for your digital bank, Visa’s flexible payment products can allow you to customize features of a core payment product.

See how our Digital Banking Solutions can streamline your path to market with an innovative solution

Digital Banking might be for you if you are:

A startup providing direct-to-consumer or direct-to-business debit, prepaid or credit cards
A startup providing advanced features of a financial services product and wish to add a depository account to your product offering
A startup looking to streamline making and accepting payments, provide alternative lending solutions, or enable fast payments between two accounts

Want to learn more about payments?

Check out Steps to Launch a Payments Program to dig deeper.

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Build Your Digital Banking Solution

Want to build your own solution? See All Capabilities

CORE

In-App Provisioning

Cardholders have the ability to push credit cards into their mobile wallets using In-App provisioning solutions. There are two in-app provisioning products to help enable card credentials to be provisioned into mobile wallets resulting in faster spend, one product is a set of APIs and the second is an SDK. Both options allow partners to choose their development style to enhance their mobile experience for their cardholders.

Things to Consider

Please follow the documentation steps to complete the necessary pre-requisites with each of the digital wallet providers you are looking to partner with. And the relevant issuer needs to be a participant in the Visa Token System.

Find an Issuer Processor Partner Get a Visa License

Product Documentation

Check out our solutions on Visa Developer.

Visa In-App Provisioning

ADVANCED

Currency Conversion

Provide a better user experience for cross-currency transactions by providing transparency on daily exchange rates.

Things to Consider

The Foreign Exchange Rates product provides easy access to the Visa daily currency exchange rate and is available for use in sandbox and production.

Product Documentation

Our products are documented and accessed through Visa Developer Center.

Foreign Exchange Rates

CORE

Push Payments

Push payment (Visa Direct) helps enable funds to be sent to any eligible Visa credential. Funds are posted to a deposit or omnibus account via the Primary Account Number of the card. In addition, Visa offers the Visa Push Payment Gateway Service to enable push-to-card capabilities for non-Visa cards in the U.S. and Canada.

Things to Consider

To enable Visa Direct, you will need a BIN sponsor or a principal Visa license as well as an acquirer processor. A Visa Direct Partner can help you find an acquirer.

Get a Visa License