Digital Wallets

Digital wallets are a great way to virtually load a physical card into a mobile app – and store its value for fast, easy access at the point of purchase. 

Digital wallet users can download an app, provision a virtual card, make point-of-sale transactions through contactless and scan to pay or push payments. They can also send or receive money into their wallet and withdraw funds to eligible card or accounts via Visa Direct. 

digital wallet

See how digital wallets can transform the virtual card experience for your customers

Digital wallets might be for you if you are:

  • A startup in an emerging market seeking to leapfrog a physical card program
  • Looking for a way to enable digital payments and remittances both domestically and across borders
  • In need of a high-usage payments platform to extend your customer relationships
  • Serving customers who don’t have access to traditional brick and mortar banks

Want to learn more about payments?

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

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Build Your Digital Wallet Solution

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Digital Issuance

Digitally issue cards and give your cardholders the ability to immediately receive payment credentials through a mobile banking application or website.

Things to Consider

To enable this capability, you need to be a Visa DPS customer.

Product Documentation

Check out our APIs on Visa Developer. You will need to request access to some documentation.


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.

Product Documentation

Our products are documented and accessed through Visa Developer Center.


Card Offers

Delight qualified enrolled cardholders with relevant notifications of offers near them and in real-time.

Things to Consider

You will need to request access to the Visa Offers Platform through

Product Documentation

Our products are documented and accessed through Visa Developer Center.


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.

Product Documentation

Check out our solutions on Visa Developer.

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Learn More

Learn more about payments and how to bring your product to market.

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