Visa® Product Expertise
26 Visa products. Authoritative consultancy across VisaNet core, scheme certifications, and Visa-affiliated platforms.
Core Network & Processing
The foundational infrastructure underpinning every Visa transaction — from authorisation through to clearing.
VisaNet
Core NetworkVisa's global authorisation network, processing over 200 billion transactions annually across dual redundant data centres with a 99.999% availability guarantee. FinPay consultants have deep knowledge of VisaNet's Tiered Processing architecture, VisaNet host connectivity specifications, and the authorisation message flows that underpin issuer and acquirer operations.
Visa DPS (Debit Processing Service)
Issuer ProcessingFull-service issuer processing platform for Visa Debit programmes. Visa DPS hosts cardholder accounts, executes real-time authorisation decisions, and manages authorisation parameter tables on behalf of issuing institutions. Our consultants advise on DPS onboarding, parameter configuration, dispute integration and the migration path from legacy issuer processors.
BASE II
Clearing & SettlementVisa's long-standing clearing and settlement platform, processing IPM-format clearing files between issuers and acquirers globally. FinPay delivers expertise across BASE II edit package compliance rules, IPM record construction, reject handling and the operational controls required for daily clearing cycles.
VCE (Visa Clearing Exchange)
Next-Gen ClearingVisa's next-generation message-based clearing engine replacing BASE II. VCE is aligned with ISO 20022 messaging standards and introduces real-time clearing capability for participating members. Our advisory covers VCE connectivity, message mapping from BASE II IPM to VCE formats, and the testing and certification requirements for programme migration.
Authorisation & Risk
Real-time decisioning tools and issuer-side fraud management systems that protect portfolios without compromising authorisation rates.
Visa Advanced Authorization (VAA)
Risk ScoringVisa's real-time neural-network risk scoring system, delivering a risk score of 0–99 on every authorisation request at the VisaNet level. Issuers consume the VAA score via the authorisation response and tune their acceptance strategies through the VAA parameter table. We guide clients through VAA parameter configuration, score integration, and performance benchmarking against industry thresholds.
Visa Risk Manager (VRM)
Fraud DecisioningIssuer-side rule engine enabling real-time fraud decisioning within the authorisation stream. VRM supports configurable rules, velocity controls, positive and negative list management, and case routing workflows. FinPay consultants build and tune VRM rule sets, lead operational deployment, and coordinate with Visa on rule optimisation programmes.
Visa Trusted Listing
3DS Friction BypassA cardholder-managed merchant trust list that allows issuers to bypass Step-Up challenge flows in Visa Secure (3DS 2.x) for merchants the cardholder has explicitly trusted. Our consultants advise on Trusted Listing integration into issuer mobile banking applications, the EMV 3DS data element requirements, and the scheme programme rules governing list maintenance.
Visa Secure (3DS 2.x)
AuthenticationVisa's 3-D Secure 2.x programme implementing the EMV 3DS specification for e-commerce authentication. Covers both frictionless and challenge flows, ACS certification requirements, 3DS Server and Directory Server connectivity, and scheme liability shift rules. FinPay manages issuer ACS certification projects and advises acquirers on 3DS merchant enablement and exemption strategies.
Tokenization & Digital
Network tokenization infrastructure and digital commerce platforms that enable secure, frictionless card-not-present transactions at scale.
VTS (Visa Token Service)
TokenizationVisa's network tokenization platform responsible for token provisioning, lifecycle management, and cryptogram generation (TAVV — Token Authentication Verification Value). We advise on Token Requestor ID provisioning for Apple Pay, Google Pay, Samsung Pay and e-commerce card-on-file use cases, and guide issuers through VTS integration and token domain restriction configuration.
Visa Click to Pay
Digital CommerceVisa's SRC (Secure Remote Commerce) implementation enabling one-click checkout across participating merchants. Covers FPAN/DPAN management, Click to Pay enrolment flows, merchant and DCF (Digital Card Facilitator) integration, and guest checkout tokenization. FinPay advises issuers on cardholder enrolment journeys and acquirers on merchant SRC deployment.
Visa Provisioning Service
Push ProvisioningPush provisioning API enabling issuers to deliver card credentials directly into digital wallets and in-app environments. Supports card-on-file provisioning for banking apps and third-party wallet issuance. Our consultants deliver end-to-end push provisioning integrations, covering API authorisation flows, yellow path identity verification, and scheme approval processes.
Testing & Certification
Mandatory Visa certification programmes for issuers, acquirers, and terminal manufacturers — navigated and managed end-to-end.
VTC (Visa Test Center)
Certification PortalVisa's online portal for executing Visa-mandated test scripts covering issuer host, acquirer host and terminal configurations. FinPay consultants manage VTC test campaigns from script preparation through defect resolution to scheme approval, minimising certification cycle times for clients undergoing programme launches or annual re-certifications.
ADVT (Acquirer Device Validation Toolkit)
Terminal CertificationVisa's toolkit for acquirers to certify POS terminal compliance with Visa acceptance specifications, covering EMV contact, contactless, and fallback transaction paths. Our consultants lead ADVT test execution, coordinate with terminal vendors and test laboratories, and manage the submission workflow through to Visa letter of approval.
Visa Contactless Testing (payWave)
L3 CertificationVisa's VCPS 2.2 contactless test suite covering Kernel 3 test cases for EMVCo L3 contactless certification. Our team has direct experience running payWave test scripts, managing contactless kernel parameter configuration, and coordinating with accredited test laboratories to achieve L3 approvals for terminal and device programmes.
Clearing & Settlement
Post-authorisation financial flows and dispute management platforms that ensure accurate settlement and efficient chargeback operations.
VSS (Visa Settlement Service)
Net SettlementVisa's net settlement processing service that calculates multilateral net positions between Visa members and drives settlement funding instructions. FinPay consultants advise on VSS report interpretation (VSS-110 funds transfer, VSS-120 business summary), settlement exception handling, and the reconciliation controls required to maintain accurate nostro positions.
Visa Resolve Online (VROL)
Dispute ManagementVisa's web-based dispute management portal supporting chargeback filing, pre-arbitration and arbitration workflows. Also hosts TC40 fraud data reporting for issuers. Our advisors configure VROL operations frameworks, train dispute teams, build SLA dashboards, and implement outcome-focused chargeback strategies that reduce write-offs and improve representment rates.
Issuer Services
Value-added Visa platforms that enhance issuer profitability, cardholder engagement and programme diversification.
Visa IntelliLink
Business IntelligenceVisa's business intelligence and reporting portal providing issuers with transaction data, portfolio analytics, and interchange optimisation reporting. FinPay helps clients extract maximum value from IntelliLink through custom report design, MIS integration, and using data insights to drive interchange revenue improvement and cardholder retention programmes.
Visa Loyalty Solutions
RewardsVisa's rewards programme integration layer supporting earn and burn rule configuration, partner network redemption, and cardholder engagement mechanics. Our consultants design loyalty programme architectures on Visa Loyalty Solutions, covering API integration for earning events, points ledger management and redemption partner connectivity.
Visa Prepaid Processing
PrepaidDedicated Visa processing path for prepaid product categories including General Purpose Reloadable (GPR), payroll disbursement, government benefit distribution and closed-loop gift cards. FinPay advises on programme structure, regulatory compliance, load/unload channel design and the scheme product eligibility requirements for Visa prepaid BINs.
Commercial Cards
B2B payment solutions and enhanced data capabilities for commercial card programmes.
Visa Commercial Pay
B2B Virtual CardsVisa's B2B virtual card issuance platform supporting accounts payable automation with ERP integrations for SAP and Oracle. Enables Level 2 and Level 3 enhanced data transmission for corporate spend visibility. Our consultants lead Commercial Pay programme design, supplier enablement strategies and ERP integration architecture for AP automation deployments.
Visa Business Reporting
Commercial MISEnhanced data reporting platform for commercial card portfolio managers, delivering MIS analytics on corporate spend, employee card usage, supplier category breakdowns and programme health metrics. FinPay advises on report configuration, data integration into corporate finance systems and the analytical frameworks needed to grow commercial card revenues.
Cross-Border & FX
Push payment rails, correspondent banking alternatives and dynamic currency conversion capabilities for international payment programmes.
Visa Direct
Push Payments
Visa's real-time push payment service enabling funds disbursement directly to Visa
debit, prepaid and credit cards. Serves P2P transfer, B2C disbursement and gig
economy payout use cases via the pushFundsTransactions API endpoint.
FinPay delivers end-to-end Visa Direct implementation, covering API certification,
scheme eligibility screening, and BIN capability enablement with issuer partners.
Visa B2B Connect
Wholesale Cross-BorderVisa's blockchain-based wholesale cross-border payment network providing a correspondent banking alternative with multilateral netting and direct financial institution settlement. Our advisors assess B2B Connect fit for treasury and transaction banking use cases, and guide clients through the network onboarding and connectivity requirements.
Visa Currency Conversion
DCC / FXVisa's dynamic currency conversion framework governing cardholder choice at the point of sale, scheme markup application and acquirer DCC programme rules. FinPay advises acquirers and DCC processors on scheme compliance, cardholder disclosure requirements, and revenue-sharing structures within Visa's DCC programme governance.
Compliance & Programmes
Scheme monitoring programmes and registry management tools that keep acquirers, issuers and merchants in good standing with Visa.
Visa VAMP (Visa Acquirer Monitoring Programme)
Compliance MonitoringVisa's acquirer fraud and dispute monitoring programme tracking monthly fraud and chargeback ratios against defined thresholds. Non-compliant acquirers enter remediation programmes with escalating fine structures. FinPay consultants build VAMP monitoring frameworks, design remediation plans, engage with Visa compliance teams on behalf of clients and implement controls to maintain compliant status.
Visa Global Registry
BIN & Product ManagementVisa's verified merchant registry and BIN table management platform covering scheme product eligibility mapping across the global Visa network. Our consultants advise on BIN registration, product configuration within the Global Registry, scheme membership maintenance and the ongoing governance obligations for issuers and acquirers maintaining Visa programme licences.
Need Visa Programme Advisory?
Whether you are launching a new Visa programme, navigating certification, or optimising an existing portfolio, our consultants are ready to engage.
Speak to a Visa Specialist