Visa Intelligent Authorization's REST API is a set of web services that developers can use to integrate payment processing, fraud management, and other commerce features into their applications. Acceptance Solutions provides these APIs to help ensure secure and reliable transactions for online businesses. Create unique customer experiences with comprehensive tools, rich API sets, detailed documentation, sample code, and multi-language SDKs, all designed to support and enhance your development process, including:

• API references
• 6 language SDKs
• Developer guides
• Response codes
• Testing guides
• Sample code
• GitHub repositories
• Sandbox
• Blog and forum
• FAQs

Risk controls offer robust tools to protect acquirers against merchant risk. This frictionless operation helps to avoid unnecessary fees by evaluating transactions in real time before they enter the payment ecosystem, making it a valuable asset for helping optimize acceptance. Key features include:

• Financial protection
• Risk management
• Minimal configuration steps
• Cost savings
• Easy integration with the Visa Acceptance Platform

Payment orchestration uses machine learning and AI to analyze data from numerous processor and acquirer connections, optimizing authorization routes to help reduce false declines and improve customer experience. It also suggests actions that can maximize the chances of approval or retrying. 

Visa Intelligent Authorization supports batch and real-time transaction capture methods.

The batch capture file is a file-based capture solution in the format of Visa TC33A that informs acquirers about transactions processed through Visa Intelligent Authorization and allows initiation of the clearing  process.

The real-time capture method is a modern, webhooks notification solution that informs acquirers about transactions processed through Visa Intelligent Authorization and allows initiation of the clearing process.

The figure below illustrates the transaction capture process:

Payment events are a webhooks-based service that provides real-time notifications for critical payment activities, enabling more efficient transaction management. Key features include:

• Real-time notifications
• Transaction management
• API call functionality
• Event visibility
• Workflow automation
• Customizable integration

Keep tabs on all your payments in the Visa Intelligent Authorization client portal. From payments processing to analytics dashboards, the client portal lets you manage your business from one location. The Client Portal currently supports acquirers from 190 countries and territories in eight different languages. Key features include:

• Portfolio management
• Analytics
• Reporting
• Transaction Search

For acquirers opting to receive capture data via TC33A files, our automated self-service testing solution in the Client Portal offers quick access to test files tailored to specific use cases. The self-service acquirer test tool automates test file generation for new and existing Visa Intelligent Authorization acquirers. Key features include:

• On-demand access to our test file generation tool via the sandbox environment. 
• Continuously expanding suite of several hundred test cases, plus the ability to customize tests. 
• Subscription-based test files conform to acquirer-defined use cases, including currencies, card types, and features/services. 
• Convenient date/time selection for acquirer-defined delivery schedule. 
• Delivers files to the respective destination BIN on VisaNet’s test host.