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Visa Provisioning Service PayPal, Amazon, ApplePay

We’ll show you all you need to know about Visa provisioning service including its meaning, charge on a credit card, pending charge, phone number, pending charge regions, as with other terms you may seek for. The same applies to the visa provisioning service us on bank statements and services that are associated with it including Netflix, Google pay, PayPal, and Amazon.

Visa, on the other hand, has provided a seamless way for people across the way to receive and send payments. Their credit cards facilitate the purchase of millions of goods and services online, and the same goes for offline platforms. And in a bid to enhance its service to its customers all over the world, the company adopts modern technology in its processes. The adoption of these technologies has led to the advent of the Visa provisioning service.

Visa Provisioning Service Meaning

visa provisioning service

Visa provisioning service means providing a service. Accordingly, the service being provided here is the provisioning of Visa cards. To understand this service, it is worth noting that there are processes Banks and Personalization Bearaus need to adhere to create a secure card with a chip.

Nonetheless, advancements brought about the ability for platforms to create a secure chip using a smartphone. There was later the use of Host Card Emulation that allows the software-based simulation to occur. A combination of these processes enhances the level of security of a user’s account. This is because the account is not provisioned on the user’s smartphone. However, this account is made reference to even though it may still be on a regular card.

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Therefore, the Visa provisioning service offers mobile network operators an easy way to access financial information from their smartphones. These are devices that take advantage of near field communication (NFC). NFC, in this case, allows devices within a short range to communicate wirelessly. And the technology is not new given that the Google Wallet and other popular platforms support NFC connections to facilitate payments.

On the other hand, the Visa provisioning service is an effort from Visa to allow users to connect NFC enable smartphones with Visa’s payment account. This means banks, network operators, transit operators can verify payments in a faster and more seamless manner.  Accordingly, organizations around the world can improve their payment application. They can also use mobile payments in a way like never before.

And the best part is, the Visa token service provisioning and lifecycle management connect the relevant parties required in mobile banking payment. Here, accounts can be linked using smartphones via NFC. The linked visa accounts can be validated and maintained.

Features of Visa Provision Service

Some of the features of the Visa provisioning service include:

NFC Based:

The Visa provisioning service relies on NFC technology. Needless to say, not every modern smartphone has been equipped to support this connectivity. For this reason, the service may only be used by people who have NFC-supported smartphones.

A person who wishes to use the Visa provisioning service needs an NFC-enabled smartphone, which can then be placed in a switched-on state using an OTA activation. What’s more, non-visa transactions can also take advantage of this service, and as such, it is not only limited to Visa payments.

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At this point, you may be wondering what the real-life use case of this service is. But it is evident where a person pays for a ride using the mobile payment system. They need to request a mass transit application. The latter will allow for the use of mass transit application to activate the mobile payment.

Scalability and Flexibility:

According to Visa, its service provides a scalable and flexible way for issuers to issue tokens securely, and also facilitate their use in the m-commerce, eCommerce, and contactless purchases.

Furthermore, the APIs enable issuers to use a token as a unique identifier and replace it with the Primary Account Number (PAN). To that effect, this level of tokenization helps to protect the card’s data since its PAN is replaced with a randomly generated sequence of numbers.

Compared to the PAN, these unique numbers also have the same length as the PAN. And this means they look the same as the standard payment card number. This similarity is noted by back-end transaction processing systems, databases, as well as applications.

How Visa Provisioning Service Works?

The method of operation of Visa provisioning service has been outlined below:

  • This service works for organizations in the mobile banking payments sector
  • NFC, authentication, and management of Visa accounts are made possible by lining accounts to smartphones.
  • A person who intends to use this service purchases a smartphone that supports NFC technology.
  • The user activates the mobile payment system on their device. The customer has to interact with the financial institution issuing their Visa account. They can also reach out to the service provider.
  • A Visa provisioning official activates the mobile payment for customers.
  • A passcode is required to authenticate the user. If the correct password is entered, the payment is processed if not it isn’t.
  • The NFC technology begins the exchange of different credentials and keys between parties.
  • The payment account details are then received on the customer’s mobile phone.

On the other hand, the 0$ Visa provisioning service operates with the card number and there is no retention of funds. It is checked using the zero-dollar authorization order. There is a section of Visa availability and it is the Purchase authorization Visa provisioning service

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An instance of the service is the Visa provisioning Netflix and the same can be said with other organizations like PayPal, Visa provisioning service Apple Pay, etc. that deal with financial services. Let’s take Apple Pay for instance, the latter takes advantage of three server-side phone calls. These include the check-card, necessary fields, and connection and provision. This helps to send and receive contact with the issuer

Benefits of Visa Provisioning

Some benefits of Visa provisioning are:

Advancement in Mobile Payments

Provisioning allows the token to be fetched for a particular use. It can be used by a customer for payment at a merchant’s store. Based on this, it can be said that the Visa Provisioning Service is major progress in the mobile payment market. With the ability to connect the user’s smartphone with their Visa account, and wide collaboration with the banking world, it helps to enhance the link with these banks and network operators.

Ease of Connection and Seamless Payment

What’s more, the service offers an easier way for banks, operators, transit operators to connect Visa payment accounts to the user’s smartphone. The Visa provisioning service was first announced at the Mobile World Congress in Barcelona. The over-the-air provisioning service was meant to be used with the company’s payWave mobile payments system.

It may also interest you to know that the provisioning system was created in partnership with Oberthur Technologies. Payments technology including the payWave mobile payments technology is able to deploy over the air. NFC, on the other hand, has formed an important backbone in mobile payments initiatives

There is also a benefit of the provisioning service to operators. It enables them to make payments that have been supported on mobile. When the service was launched, there were speculations that it might be a competitor to Isis. However, it was revealed that Visa intends to license payWave to be integrated with the Isis wallet. This means the Visa provisioning system has formed an important milestone in mobile payment operations.

APIs Used in Visa Provisioning and Lifecycle Management

Some APIs that are used in Visa provisioning and lifecycle management include:

Get Cardholder Verification Methods

Visa invokes this API during the token provisioning flow. It allows the issuer to offer support methods of cardholder authentication.

Approve Provisioning

Visa invokes the approved provisioning API during token provisioning. The API call is sent to the issuer as well as the ID&V attribute. This helps the issuer to take the necessary actions.

Check Eligibility

Check eligibility is an API that is invoked during token provisioning flow on a device. The API call to the issuer and other attributes are sent. As such, issuers can verify cardholders that are about to begin the provisioning of tokens to digital wallets.

Send Passcode

The send passcode API is invoked in token provisioning flow. It helps to send the OTP to a destination chosen by the cardholder. This destination can be an email address.

Token Inquiry by PAN

The token inquiry by PA helps to retrieve several tokens for a PAN.

Token Lifecycle

The token lifecycle allows the issuer to activate, begin, send, or delete the token

Token Create Notification

This notification is invoked in a specific case. This is during the successful creation of a token on a device.

Review NHPP (VCEH) Profiles

The Review NHPP (VCEH) Profiles allows the issuer to receive token requestors that participate in the Visa Card Enrollment Hub solution. It often comes with a logo, brand information both of which are to be shown on the issuer card.

Card Metadata Update Notification

The card metadata update notification is sent when a notification is received from the wallet provider pertaining to the status of the device’s metadata update

User Queries

A number of users have posted queries pertaining to the provisioning of their cards. We’ve outlined these queries and the suggestions that were made to rectify the issue. Therefore, if you’re encountering the same, it could go a long way to help you out and even give you peace of mind.

Provisioning of card more than once issue

Some users have noted that the bank cards are only provisioned once.
They noted that Visa provisions cards just once before the card is ready to be used with Apple Pay. However, there may be cases where the latter may not hold.

A user, for instance, revealed that their bank card was provisioned multiple times and it could be tied to the fact that they replace their iPhone. The user noted that restoration from back up made the Apple Pay to setup again. As such, the provisioning had to be redone. They also pointed out that the case did not occur after that event.

Consequently, if you’re trying to add the card to a different device, then there could be provisioning again. And if you are certain that the connection is not from you, then it’s possible someone may have gotten access to your card. They may tend to provision this token to a different device and if that’s the case, it’s safe to call your bank and make a report. Your bank will be in a better position to throw more light on what’s happening.

Visa Provisioning Service Pending Charge

Another thing you should be wary of is the Visa Provisioning Service pending charge and the no merchant pending charge. The charge may stem from a merchant running your credit card information to ascertain if it is still active. It is often a zero charge service.

What’s more, if you get a new card, it is possible for Visa to update the credit card information to merchants that have a recurring payment on the card.  This information includes the card’s number, expiration date, etc. However, you can contact your bank to turn off the feature. You can also contact Visa on phone on 009 1 303-967-1096.


The Visa provisioning service relies on NFC technology to achieve its full capability. However, there’s a limitation for consumers whose smartphones do not have NFC. And even at that, not very many people would be more than ready to switch their current device to another just to enable contactless payment.

That being the case, there are expectations that Visa will use a more widespread technology for the service in a bid to promote wider adoption. Besides, the current adoption of the service by financial institutions, transit operators, network providers, and several others shows how useful it is when it comes to payments.



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