Visa

Visa Data Tokens

Visa Data Tokens is a technology developed by Visa that replaces sensitive payment card information, such as credit card numbers, with a unique digital identifier called a token. These tokens are used in place of actual card data during transactions, adding an extra layer of security for consumers and merchants. By using Visa Data Tokens, businesses can reduce the risk of data breaches and fraud, while still providing a seamless and secure payment experience for their customers.

GitHub OpenAPI

Specifications

⚙
OpenAPI
https://raw.githubusercontent.com/api-evangelist/visa/refs/heads/main/openapi/visa-data-tokens.yml

OpenAPI Specification

visa-data-tokens.yml Raw ↑ 
openapi: 3.1.0
info:
  title: Visa Data Tokens
  description: >-
    The Visa Data Tokens API provides access to tokenized, aggregated, and
    anonymized transaction data insights derived from Visa's global payment
    network. Data tokens enable businesses to leverage historical spending
    signals, predictive analytics, and personalization capabilities without
    exposing individual cardholder information.
  version: '1'
  contact:
    name: Visa Developer Support
    url: https://developer.visa.com/support
  termsOfService: https://developer.visa.com/capabilities/visa-data-tokens/product-terms
externalDocs:
  description: Visa Data Tokens Documentation
  url: https://developer.visa.com/capabilities/visa-data-tokens
servers:
  - url: https://sandbox.api.visa.com
    description: Sandbox Server
  - url: https://api.visa.com
    description: Production Server
tags:
  - name: Data Tokens API
    description: >-
      Retrieve tokenized data signals and insights from Visa's payment network
      for use in personalization, risk assessment, and business analytics.
security:
  - mutualTLS: []
paths:
  /vdt/v1/tokens:
    post:
      operationId: requestDataToken
      summary: Request Data Token
      description: >-
        Requests a data token containing aggregated and anonymized insights for
        the specified criteria. The token encapsulates spending signals,
        predictive scores, or historical patterns that can be used for
        personalization, risk assessment, or business analytics.
      tags:
        - Data Tokens API
      requestBody:
        description: Data token request parameters
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/DataTokenRequest'
      responses:
        '200':
          description: Data token generated successfully
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/DataTokenResponse'
        '400':
          description: Bad request - invalid input parameters
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorResponse'
        '401':
          description: Unauthorized
        '403':
          description: Forbidden - insufficient permissions for the requested token type
  /vdt/v1/tokens/{tokenId}:
    get:
      operationId: getDataToken
      summary: Retrieve Data Token
      description: >-
        Retrieves the details and insights associated with a previously
        generated data token.
      tags:
        - Data Tokens API
      parameters:
        - name: tokenId
          in: path
          required: true
          description: Unique identifier of the data token
          schema:
            type: string
      responses:
        '200':
          description: Data token details retrieved successfully
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/DataTokenDetailResponse'
        '401':
          description: Unauthorized
        '404':
          description: Data token not found
components:
  securitySchemes:
    mutualTLS:
      type: mutualTLS
      description: >-
        Two-way SSL mutual authentication using a PKI certificate issued by
        Visa.
  schemas:
    DataTokenRequest:
      type: object
      required:
        - tokenType
      properties:
        tokenType:
          type: string
          description: Type of data token to generate
          enum:
            - SPENDING_SIGNAL
            - PREDICTIVE_SCORE
            - HISTORICAL_PATTERN
            - PERSONALIZATION
        primaryAccountNumber:
          type: string
          description: >-
            PAN for account-level insights (anonymized in response)
        merchantCategoryCode:
          type: string
          description: Filter insights by merchant category code
          pattern: '^\d{4}$'
        dateRange:
          type: object
          description: Date range for historical data
          properties:
            startDate:
              type: string
              format: date
              description: Start date for the data range
            endDate:
              type: string
              format: date
              description: End date for the data range
        geography:
          type: string
          description: ISO 3166-1 alpha-2 country code for geographic filtering
    DataTokenResponse:
      type: object
      properties:
        tokenId:
          type: string
          description: Unique identifier for the generated data token
        tokenType:
          type: string
          description: Type of data token generated
        status:
          type: string
          description: Token generation status
          enum:
            - READY
            - PROCESSING
            - EXPIRED
        expiresAt:
          type: string
          format: date-time
          description: Expiration timestamp for the data token
    DataTokenDetailResponse:
      type: object
      properties:
        tokenId:
          type: string
          description: Unique identifier for the data token
        tokenType:
          type: string
          description: Type of data token
        insights:
          type: object
          description: Aggregated and anonymized insight data
          properties:
            spendingIndex:
              type: number
              format: double
              description: Normalized spending index value
            trendDirection:
              type: string
              description: Direction of spending trend
              enum:
                - INCREASING
                - STABLE
                - DECREASING
            confidenceScore:
              type: number
              format: double
              description: Confidence score for the insight
              minimum: 0
              maximum: 1
            categoryBreakdown:
              type: array
              description: Spending breakdown by category
              items:
                type: object
                properties:
                  category:
                    type: string
                    description: Merchant category description
                  percentage:
                    type: number
                    format: double
                    description: Percentage of total spending
        status:
          type: string
          description: Current status of the data token
        createdAt:
          type: string
          format: date-time
          description: Timestamp when the token was created
        expiresAt:
          type: string
          format: date-time
          description: Expiration timestamp
    ErrorResponse:
      type: object
      properties:
        errorCode:
          type: string
          description: Machine-readable error code
        message:
          type: string
          description: Human-readable error description