This section describes the processing data flows for
Visa Platform Connect
.
Figure:
Processing Flow Overview
Authorization Processing
The merchant submits an authorization request through an API request directly or
through the payment technology provider.
Visa Platform Connect
maps the merchant authorization request into an outbound Visa
ISO-formatted 0100/0200 authorization request and submits to VisaNet.
Visa Platform Connect
determines the transaction destination and routes either to
the Visa issuer (or STIP) or through the Visa Gateway Service to a non-Visa
gateway for authorization.
The issuer (or network) responds to Visa with an 0110/0210 authorization
response.
Visa matches the authorization response to the original request and returns the
0110/ 0210 authorization response to
Visa Platform Connect
.
The gateway receives the 0110/0210 authorization response, maps the Visa ISO
message to the respective API response back to the merchant.
Capture Processing
The merchant submits individual XML capture requests to
Visa Platform Connect
as follow-on transactions or at the same time as the authorization
request.
Visa Platform Connect
accumulates transactions until a pre-determined batch
cutoff is met. This cut-off time is configured at
Visa Platform Connect
during
acquirer boarding.
The merchant might have some flexibility to select its batch cutoff
time as long asit fits within the acquirer's pre-configured batch
cutoff time options.
Acquirers might have multiple merchants that process transactions
through the
Visa Platform Connect
front-end. Capture data from all
merchants is included.
Visa Platform Connect
creates the capture files and sends them to VisaNet for
delivery to acquirers.
VisaNet transforms the file into a BASE II TC 33A Capture File and delivers
to the acquirer according to the acquirer's file delivery profile.
The acquirer processes the TC 33.A Capture Files and submits clearing drafts
to respective payment networks for clearing and settlement processing.
