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Visa Direct, Token Services, Risk APIs

Visa Direct

Visa Direct

Imagine you need to send money directly to someone. Bank transfers usually take time, but with Visa Direct, transactions happen in real-time. Money arrives instantly, whether you’re paying a friend or a business, making payments faster and easier.

For example, if you have an app like Paytm or Google Pay, the user enters their card, and the money is transferred directly to the receiver’s account. This works in real-time, meaning there's no waiting. We implemented the Visa Direct feature for a fintech client, enabling their users to receive payments in under 2 minutes.

Visa Direct

Token Services

Now let's talk about security. Entering your card number every time can feel risky, can’t it? Token Services makes this safer and easier. It creates a unique token in place of the actual card number. This means the card details are never stored on your app or server. Even if it falls into the wrong hands, the token is completely useless, ensuring your information stays safe.

Visa Direct

Risk APIs

Every payment is vulnerable to fraud. Risk APIs are designed to mitigate risk. They verify every transaction and send alerts if any suspicious activity is detected. This means your payment processing becomes more secure and reduces the likelihood of fraud.

How Visa Developer SDK Integration is Done

Before going live with Visa APIs, a clear setup process is required. The Visa Developer SDK makes this easier by giving secure tools, test environments, and wallet integration options. Below are the main steps we follow to connect your system with Visa’s network safely and efficiently.

Visa Developer SDK

Visa Developer Account Setup

First, we create and configure your Visa Developer account. A new project is set up in the sandbox environment to test APIs.

API Authentication Setup

We enable Two-Way SSL (mutual TLS) or X-Pay Token authentication for secure API requests. This ensures only trusted systems can connect.

Configuration & Security

We configure outbound settings, certificates, and message encryption if required. This step ensures safe data exchange between your app and Visa servers.

SDK Integration

The Visa Digital Enablement SDK (VDESDK) is embedded into your mobile app or web platform to support features like tokenization, provisioning, and transaction controls.

Provisioning & Token Management

We enable push provisioning so users can add cards directly into wallets like Apple Pay or Google Pay. Token lifecycle management is also tested.

Testing & Production Migration

After sandbox testing, the project is submitted to Visa for review. Once approved, it is migrated to production for real payments.

Why to Integrate Visa Developer Integration

If you need to integrate the Visa SDK, hire an experienced developer. There are many options available, so choose one with proven expertise.

We have specialized developers. We've used Visa APIs on over 10 projects. Our team has developers with over 10 years of experience. They can also customize the SDK.

When hiring, ask: Have you integrated Visa Direct? How do you handle token services? How do you integrate ML into risk APIs? Our team covers it all.

And of course, we also offer post-integration support, such as updates. If you'd like to hire us, contact us.

Our Technical Approach to Visa Developer SDK Integration

Visa Developer Account Setup

Merchant credentials, API keys, and sandbox environment setup.

Tokenization Integration

Use of secure tokens in place of card details.

Visa Direct API Integration

For P2P payments, fund transfers, and real-time payments.

Risk APIs Integration

Fraud detection, transaction monitoring, and alert setup.

Testing

All types of transactions are tested in the sandbox – success, failure, cancel, and network error.

Deployment

Deploy and monitor the integration in a live environment.

Why choose us for your Visa SDK integration?

There are several reasons to choose Adequate Infosoft. First, our experience. We've been working in fintech for over 10 years. We have Visa partnerships, so we receive regular updates.

  1. Our team of 20+ developers, all certified.
  2. We provide assistance even after the project is completed. 24/7 monitoring.
  3. We have several clients, like PayTag Bank, where we integrated Visa Direct. Their transaction volume doubled.
  4. We don’t push anything, but if you think it’s a good fit, get in touch. We offer a free consultation—just share your requirements.

Finally, Visa SDK integration can take your business to the next level. But choose the right partner. Adequate Infosoft is ready to help. If you have any questions, please email us.

Integrate VISA

Popular Visa SDK Features We Implement

Visa Direct P2P Transfer

Person-to-person fund transfer.

Tokenization

Replacing real card details with secure tokens.

Risk & Fraud APIs

Detecting risk and fraud.

Recurring Payments Support

Subscription or regular payments.

Multi-Currency Payments

Multiple currencies for global businesses.

Frequently Asked Questions

Find quick answers about integrating Visa Direct, Token Services, and Risk APIs for secure and seamless payment solutions.

Do you only integrate Visa?
No. We can also integrate Apple Pay, Google Pay, Stripe, Paystack, and many other payment gateways. If needed, we can even create your own custom payment gateway.
Token Services use a unique token instead of the actual card number. This means card details are not stored on the server, reducing the risk of fraud and scams.
Risk APIs monitor every transaction. They send alerts if they detect any unusual or suspicious activity. This keeps your payment processing secure.
Yes. Whether your app is native or hybrid – like React Native, Flutter, Ionic, Sencha JS – we can integrate it for you.
This depends on the size of your app or website, the number of payment gateways, and the features required. Generally, small projects can take a few days, while larger projects can take 2–3 weeks.
Yes. We use PCI DSS compliance, tokenization, and Risk APIs. This ensures your users' payments are completely secure.
What Our Clients Say About Us

Client satisfaction is our ultimate goal. Here are some kind words of our precious clients they have used to express their satisfaction with our service.

Why Choose Us ?

We endow businesses with flexible engagement models based on their unique needs. Our strength lies in state-of-the-art technology and affordable consulting services. Try us for fast POCs, full-fledged applications, or technology consulting. Always available for your service.