Cards · Available
Visa
Visa is one of the two global card schemes: a card from any issuing bank is paid with its number, expiry and CVV, authenticated through 3-D Secure where the rules require it and authorised in seconds. Through the acquirers in the catalogue a Tranzify client takes Visa in 22 countries and 16 currencies, with recurring charges, refunds and payouts to a card.
Key facts
- Countries
- United Arab EmiratesBrazilCanadaChileColombiaGermanySpainFranceUnited KingdomIndonesiaIndiaItalyKazakhstanMexicoNetherlandsPeruPolandSaudi ArabiaThailandTürkiyeUnited StatesVietnam
- Currencies
- USD, EUR, GBP, CAD, PLN, BRL, MXN, AED, SAR, TRY, INR, IDR, THB, VND, KZT, COP, PEN, CLP
- Operations
- Pay-in · Payout · Recurring · Refund
- Settlement
- T+1
- Chargebacks
- under the scheme rules
How a payment goes through
- 1The payer enters the card on the hosted checkout; the number is encrypted before it leaves the page
- 2The vault stores a token; routing picks the acquirer by BIN, country and amount
- 33-D Secure when the issuer asks; the acquirer authorises
- 4Callback to the merchant, status in the journal for five years
How a payment goes through
- The checkout takes the card on the payment form, or a token saved for a returning payer.
- Where the rules require it, the issuer authenticates the payer through 3-D Secure.
- The acquirer sends the authorisation to Visa and the issuer; the answer comes back in seconds, and the capture settles T+1.
- Tranzify writes the result and calls the merchant’s webhook; on a decline, cascading retries through another acquirer.
Visa against pay-by-bank
| Visa | Pay by bank | |
|---|---|---|
| Authentication | EMV 3-D Secure, required for most online payments in the EU and the UK | the bank’s strong customer authentication |
| Chargebacks | scheme rules, usually within 120 days | none |
| Interchange in the EU and the UK | capped for consumer cards at 0.2 % debit and 0.3 % credit | none |
| Recurring | yes, by network token | no |
| Payouts | yes, Visa Direct to a card | yes, to an IBAN |
Payouts and refunds
Refunds go back to the card through the acquirer that took the payment; recurring charges use a token stored after the first authenticated payment. Payouts run over Visa Direct through Adyen, Checkout.com, Nuvei, SmartFlow and the payout provider Sgate; Stripe covers payments, recurring charges and refunds.
Who uses it
All verticals in the catalogue, from e-commerce, SaaS, travel, marketplaces and digital goods to iGaming, forex and crypto, with 3-D Secure and cascading between acquirers.
How to connect
- 1Onboard with Tranzify and get your network, keys and back office.
- 2Enter your account with the provider in the terminal settings — Tranzify already speaks its API.
- 3Add routing rules: countries, currencies, amounts, BIN ranges, priorities and weights.
- 4Go live. Every payment, callback and retry is in the journal for five years.
Providers offering this method
A
Adyen
6 methods · GB, DE, NL, PL, FR, ES, IT, US, CA, AE
On request
C
Checkout.com
4 methods · GB, FR, ES, US, AE
On request
d
dLocal
10 methods · BR, MX, AR, CO, PE, CL
On request
E
EBANX
9 methods · BR, MX, AR, CO, PE, CL
On request
F
Flutterwave
4 methods · KE, TZ, NG, GH
On request
F
Freedom Pay
3 methods · KZ
On request
H
HyperPay
4 methods · SA, AE
On request
M
Midtrans
5 methods · ID
On request
M
Mollie
5 methods · NL, DE
On request
N
Nuvei
2 methods · GB, IT, US, CA
On request
O
Opn (Omise)
4 methods · TH
On request
P
Paystack
4 methods · KE, NG, GH
On request
P
PayTabs
4 methods · SA, AE
On request
R
Razorpay
5 methods · IN
On request
S
Sgate
4 methods · DE, FR, ES, GB
Available
S
SmartFlow
5 methods · PL, TR, GB, DE
Available
S
Stripe
4 methods · GB, DE, FR, ES, IT, US, CA, AE
On request
V
VNPAY
4 methods · VN
On request
X
Xendit
5 methods · ID
On request
Industries
Terms
3-D SecureAcquirerApproval rateAuthorisationBilling descriptorBIN (bank identification number)CaptureCard schemeCard testingCard vaultCascadingChargebackChargeback ratioClearingCross-border acquiringDenylist (blocklist)Deposit (pay-in)DisputeDynamic currency conversion (DCC)Fraud screeningFriendly fraudHard declineHigh-risk merchantHosted checkoutInterchangeIssuerLiability shiftLocal acquiringMerchant category code (MCC)Merchant discount rate (MDR)Merchant-initiated transaction (MIT)Multi-currency processingNetwork tokenPAN (primary account number)Payment facilitator (PayFac)Payment linkPCI DSSPre-authorisationProcessorReason codeRecurring paymentRefundRepresentmentRetrieval requestRisk scoreScheme feeSettlementSoft declineStrong customer authentication (SCA)TokenisationVelocity limitVoid (reversal)
Frequently asked questions
Which countries does the catalogue cover?+
The United Kingdom, Germany, France, Spain, Italy, the Netherlands, Poland, the United States, Canada, Brazil, Mexico, Colombia, Peru, Chile, the UAE, Saudi Arabia, Türkiye, India, Indonesia, Thailand, Vietnam and Kazakhstan, each through an acquirer licensed for that market.
What are the chargeback rules?+
The cardholder’s bank can dispute a payment under Visa’s rules, usually within 120 days; the acquirer passes the dispute to the merchant, and Tranzify keeps the payment’s journal, with the 3-D Secure result, for the reply.
Who is the licensed party?+
The acquirer from the catalogue — Adyen, Stripe, Checkout.com, Nuvei, SmartFlow or a local acquirer of the market — holds the scheme licence; a Tranzify client enables it under its own merchant agreement. Tranzify routes the payment, journals it and calls the webhook.
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