Issuer Guide - Visa Bulk Enrollment
Issuer Guide to Visa Bulk Enrollment
Enable corporate clients to receive real-time transaction data through their Spend Management Platform
<!-- Table of Contents -->
<nav class="toc" id="toc" style="background: #ffffff !important; border-left: 4px solid #FD4308 !important; padding: 1.5rem !important; margin-bottom: 2rem !important;">
<h4 style="color: #1C1C3F !important; font-size: 1.1rem !important; font-weight: 600 !important;">Contents</h4>
<ol style="color: #334155 !important; padding-left: 1.5rem !important;">
<li style="color: #334155 !important; margin: 0.35rem 0 !important;"><a href="#introduction" style="color: #FD4308 !important; text-decoration: none !important;">Introduction</a></li>
<li style="color: #334155 !important; margin: 0.35rem 0 !important;"><a href="#prerequisites" style="color: #FD4308 !important; text-decoration: none !important;">Prerequisites</a></li>
<li style="color: #334155 !important; margin: 0.35rem 0 !important;"><a href="#step-1" style="color: #FD4308 !important; text-decoration: none !important;">Step 1: Engage Visa to Activate VBDS API Endpoint (Issuer-Level)</a></li>
<li style="color: #334155 !important; margin: 0.35rem 0 !important;"><a href="#company-level" style="color: #FD4308 !important; text-decoration: none !important;">Steps 2-7: Company-Level Subscription</a>
<ol style="color: #334155 !important; padding-left: 1.5rem !important;">
<li style="color: #334155 !important; margin: 0.35rem 0 !important;"><a href="#step-2" style="color: #FD4308 !important; text-decoration: none !important;">Log in to Visa Access</a></li>
<li style="color: #334155 !important; margin: 0.35rem 0 !important;"><a href="#step-3" style="color: #FD4308 !important; text-decoration: none !important;">Go to Marketplace</a></li>
<li style="color: #334155 !important; margin: 0.35rem 0 !important;"><a href="#step-4" style="color: #FD4308 !important; text-decoration: none !important;">Select the Company</a></li>
<li style="color: #334155 !important; margin: 0.35rem 0 !important;"><a href="#step-5" style="color: #FD4308 !important; text-decoration: none !important;">Locate the SMP Tile</a></li>
<li style="color: #334155 !important; margin: 0.35rem 0 !important;"><a href="#step-6" style="color: #FD4308 !important; text-decoration: none !important;">Get Started</a></li>
<li style="color: #334155 !important; margin: 0.35rem 0 !important;"><a href="#step-7" style="color: #FD4308 !important; text-decoration: none !important;">Confirm Subscription</a></li>
</ol>
</li>
<li style="color: #334155 !important; margin: 0.35rem 0 !important;"><a href="#faq" style="color: #FD4308 !important; text-decoration: none !important;">Frequently Asked Questions</a></li>
<li style="color: #334155 !important; margin: 0.35rem 0 !important;"><a href="#troubleshooting" style="color: #FD4308 !important; text-decoration: none !important;">Troubleshooting</a></li>
<li style="color: #334155 !important; margin: 0.35rem 0 !important;"><a href="#support" style="color: #FD4308 !important; text-decoration: none !important;">Support</a></li>
</ol>
</nav>
<!-- Introduction Section -->
<section id="introduction" style="margin-bottom: 2rem !important;">
<h2 style="color: #1C1C3F !important; font-size: 1.5rem !important; font-weight: 600 !important; border-bottom: 2px solid #FD4308 !important; padding-bottom: 0.5rem !important;">Introduction</h2>
<p style="color: #334155 !important; margin-bottom: 0.75rem !important;">This guide helps bank relationship managers set up <a href="#glossary-vbds" class="glossary-link" style="color: #334155 !important; font-style: italic !important; text-decoration: none !important; border-bottom: 1px dotted #64748b !important;">Visa Business Data Solutions (VBDS)</a> subscriptions for <a href="#glossary-corporate-client" class="glossary-link" style="color: #334155 !important; font-style: italic !important; text-decoration: none !important; border-bottom: 1px dotted #64748b !important;">corporate clients</a> through the Visa Commercial Platform. <a href="#glossary-astrada" class="glossary-link" style="color: #334155 !important; font-style: italic !important; text-decoration: none !important; border-bottom: 1px dotted #64748b !important;">Astrada</a> leverages Visa's VBDS <a href="#glossary-api" class="glossary-link" style="color: #334155 !important; font-style: italic !important; text-decoration: none !important; border-bottom: 1px dotted #64748b !important;">API</a>-based data solutions and ensures secure and efficient delivery of data to your corporate clients' <a href="#glossary-smp" class="glossary-link" style="color: #334155 !important; font-style: italic !important; text-decoration: none !important; border-bottom: 1px dotted #64748b !important;">spend management providers</a>.</p>
<p style="color: #334155 !important; margin-bottom: 0.75rem !important;">By following these simple steps, you can quickly enable your corporate clients to receive their transaction data (powered by Astrada) through their Spend Management Platform, empowering them with real-time spend data to optimize their expense and accounting workflows.</p>
<div class="callout callout-info" style="padding: 1rem !important; border-left: 4px solid #FD4308 !important; background: #eff6ff !important; color: #334155 !important; margin: 0.75rem 0 !important; border-radius: 6px !important;">
<strong style="font-weight: 600 !important;">Important note for Issuers:</strong>
If you already support <a href="#glossary-vcf" class="glossary-link" style="color: #334155 !important; font-style: italic !important; text-decoration: none !important; border-bottom: 1px dotted #64748b !important;">VCF (Visa Commercial Format)</a> file delivery, you are operating on the same Visa Commercial Data platform that supports <a href="#glossary-vbds" class="glossary-link" style="color: #334155 !important; font-style: italic !important; text-decoration: none !important; border-bottom: 1px dotted #64748b !important;">VBDS APIs</a>. Enabling APIs does not require a new system; it is an additional configuration and data delivery option within the existing platform. VBDS APIs provide an alternative method for delivering data via Application Programming Interfaces (APIs) that can complement your current file-based processes. Instead of sending a scheduled file, an API allows two systems to exchange data directly and in near real time, aiming to reduce manual steps and improve speed.
</div>
</section>
<!-- Prerequisites Section -->
<section id="prerequisites" style="margin-bottom: 2rem !important;">
<h2 style="color: #1C1C3F !important; font-size: 1.5rem !important; font-weight: 600 !important; border-bottom: 2px solid #FD4308 !important; padding-bottom: 0.5rem !important;">Prerequisites</h2>
<p style="color: #334155 !important; margin-bottom: 0.75rem !important;">Before beginning this process, ensure:</p>
<ul class="checklist" style="list-style: none !important; padding: 0 !important; color: #334155 !important;">
<li style="color: #334155 !important; margin: 0.35rem 0 !important;">The corporate client has requested VBDS subscription setup</li>
<li style="color: #334155 !important; margin: 0.35rem 0 !important;">You have access to <a href="#glossary-visa-access" class="glossary-link" style="color: #334155 !important; font-style: italic !important; text-decoration: none !important; border-bottom: 1px dotted #64748b !important;">Visa Access</a></li>
</ul>
<div class="callout callout-warning" style="padding: 1rem !important; border-left: 4px solid #ffd166 !important; background: #fffbeb !important; color: #334155 !important; margin: 0.75rem 0 !important; border-radius: 6px !important;">
<strong style="font-weight: 600 !important;">Important:</strong>
If this is your <strong style="font-weight: 600 !important;">first time</strong> setting up an API endpoint subscription with this Spend Management Platform, start at Step 1. If you already have an API data feed set up with the Spend Management Platform, skip directly to Step 2 (Company-Level Subscription).
</div>
</section>
<!-- Step 1: Issuer-Level Setup -->
<section id="step-1" style="margin-bottom: 2rem !important;">
<h2 style="color: #1C1C3F !important; font-size: 1.5rem !important; font-weight: 600 !important; border-bottom: 2px solid #FD4308 !important; padding-bottom: 0.5rem !important;">Step 1: Engage Visa to Activate VBDS API Endpoint</h2>
<span class="phase-indicator phase-issuer" style="display: inline-block !important; background: #FD4308 !important; color: #ffffff !important; padding: 0.25rem 0.75rem !important; border-radius: 4px !important; font-size: 0.85rem !important; font-weight: 600 !important;">One-Time Setup per Spend Management Platform</span>
<p style="color: #334155 !important; margin-bottom: 0.75rem !important;">The following step walks you through how to set up a Visa Business Data Solutions API subscription at the Issuer level. This is required before setting up a Company level subscription.</p>
<div class="step" style="padding: 1rem !important; background: #ffffff !important; border-left: 3px solid #e2e8f0 !important; margin-left: 1rem !important;">
<div class="step-header" style="display: flex !important; align-items: center !important; gap: 0.75rem !important; margin-bottom: 0.5rem !important;">
<div class="step-number" style="display: flex !important; align-items: center !important; justify-content: center !important; width: 32px !important; height: 32px !important; background: #FD4308 !important; color: #ffffff !important; border-radius: 8px !important; font-weight: 700 !important;">1</div>
<h2 style="color: #1C1C3F !important; font-size: 1.5rem !important; font-weight: 600 !important; border-bottom: 2px solid #FD4308 !important; padding-bottom: 0.5rem !important;">Email Visa to Request API Endpoint Activation</h2>
</div>
<div class="step-content" style="margin-left: 40px !important; color: #334155 !important;">
<p style="color: #334155 !important; margin-bottom: 0.75rem !important;">Email <a href="mailto:[email protected]" style="color: #FD4308 !important; text-decoration: none !important;">[email protected]</a> (cc <a href="mailto:[email protected]" style="color: #FD4308 !important; text-decoration: none !important;">[email protected]</a>) to request activation of the API endpoint at the Issuer level.</p>
<p style="color: #334155 !important; margin-bottom: 0.75rem !important;">Request to subscribe to the <strong style="font-weight: 600 !important;">"[SMP_Name] by Astrada"</strong> endpoint (replace [SMP_Name] with the specific Spend Management Provider name) and the following Visa Products:</p>
<ul style="color: #334155 !important; padding-left: 1.5rem !important;">
<li style="color: #334155 !important; margin: 0.35rem 0 !important;">Starter Data API</li>
<li style="color: #334155 !important; margin: 0.35rem 0 !important;">Authorization Data API (Pull)</li>
<li style="color: #334155 !important; margin: 0.35rem 0 !important;">Authorization Data API (Push)</li>
<li style="color: #334155 !important; margin: 0.35rem 0 !important;">Transaction Data API</li>
</ul>
<div class="callout callout-success" style="padding: 1rem !important; border-left: 4px solid #06d6a0 !important; background: #ecfdf5 !important; color: #334155 !important; margin: 0.75rem 0 !important; border-radius: 6px !important;">
<strong style="font-weight: 600 !important;">Good news:</strong>
This Issuer-level setup is required <strong style="font-weight: 600 !important;">one time only</strong> for each Spend Management Provider. For additional corporates on the same Spend Management Provider, you (the Issuer) will not need to repeat Step 1.
</div>
<h4 style="color: #1C1C3F !important; font-size: 1.1rem !important; font-weight: 600 !important;">Draft Email to Visa</h4>
<div style="background: #f8f9fa; padding: 1rem; border-radius: 8px; border-left: 4px solid #1C1C3F; margin: 1rem 0;">
<p style="margin: 0 0 0.5rem 0;"><strong style="font-weight: 600 !important;">To:</strong> <a href="mailto:[email protected]" style="color: #FD4308 !important; text-decoration: none !important;">[email protected]</a></p>
<p style="margin: 0 0 1rem 0;"><strong style="font-weight: 600 !important;">Copy:</strong> <a href="mailto:[email protected]" style="color: #FD4308 !important; text-decoration: none !important;">[email protected]</a></p>
<p style="margin: 0 0 0.5rem 0;"><em>Hi Visa team,</em></p>
<p style="margin: 0 0 0.5rem 0;"><em>I am writing to setup a corporate card data feed to [Spend Management Platform] for our customer [Company Name].</em></p>
<p style="margin: 0 0 0.5rem 0;"><em>We need your assistance setting up a VBDS subscription to "[SMP] by Astrada" for the following Visa Products:</em></p>
<ul style="margin: 0.5rem 0;"><em>
<li style="color: #334155 !important; margin: 0.35rem 0 !important;">Starter Data API,</li>
<li style="color: #334155 !important; margin: 0.35rem 0 !important;">Authorization Data API (Pull),</li>
<li style="color: #334155 !important; margin: 0.35rem 0 !important;">Authorization Data API (Push), and</li>
<li style="color: #334155 !important; margin: 0.35rem 0 !important;">Transaction Data API</li>
</em></ul>
<p style="margin: 0.5rem 0 0.5rem 0;"><em>Please let me know if you need anything additional to subscribe to the endpoint and setup the data feed for [Company Name].</em></p>
<p style="margin: 0;"><em>Thank you,<br>[Name]</em></p>
</div>
<p style="color: #334155 !important; margin-bottom: 0.75rem !important;">Once the API endpoint subscription is complete at the Issuer level, proceed to the Company-Level Subscription steps below.</p>
</div>
</div>
</section>
<!-- Company-Level Subscription -->
<section id="company-level" style="margin-bottom: 2rem !important;">
<h2 style="color: #1C1C3F !important; font-size: 1.5rem !important; font-weight: 600 !important; border-bottom: 2px solid #FD4308 !important; padding-bottom: 0.5rem !important;">Company-Level Subscription</h2>
<span class="phase-indicator phase-company" style="display: inline-block !important; background: #1C1C3F !important; color: #ffffff !important; padding: 0.25rem 0.75rem !important; border-radius: 4px !important; font-size: 0.85rem !important; font-weight: 600 !important;">Required for Each Corporate Client</span>
<p style="color: #334155 !important; margin-bottom: 0.75rem !important;">Now that you've set up the subscription at the Issuer level, the following steps walk you through how to set up a VBDS API subscription at the Company level.</p>
<!-- Step 2 -->
<div class="step" id="step-2" style="padding: 1rem !important; background: #ffffff !important; border-left: 3px solid #e2e8f0 !important; margin-left: 1rem !important;">
<div class="step-header" style="display: flex !important; align-items: center !important; gap: 0.75rem !important; margin-bottom: 0.5rem !important;">
<div class="step-number" style="display: flex !important; align-items: center !important; justify-content: center !important; width: 32px !important; height: 32px !important; background: #FD4308 !important; color: #ffffff !important; border-radius: 8px !important; font-weight: 700 !important;">2</div>
<h2 style="color: #1C1C3F !important; font-size: 1.5rem !important; font-weight: 600 !important; border-bottom: 2px solid #FD4308 !important; padding-bottom: 0.5rem !important;">Log in to Visa Access and Access VCS Hub</h2>
</div>
<div class="step-content" style="margin-left: 40px !important; color: #334155 !important;">
<p style="color: #334155 !important; margin-bottom: 0.75rem !important;">Log in to <a href="#glossary-visa-access" class="glossary-link" style="color: #334155 !important; font-style: italic !important; text-decoration: none !important; border-bottom: 1px dotted #64748b !important;"><strong style="font-weight: 600 !important;">Visa Access</strong></a> and access the <strong style="font-weight: 600 !important;">Visa Commercial Solutions (VCS) Hub</strong>.</p>
</div>
</div>
<!-- Step 3 -->
<div class="step" id="step-3" style="padding: 1rem !important; background: #ffffff !important; border-left: 3px solid #e2e8f0 !important; margin-left: 1rem !important;">
<div class="step-header" style="display: flex !important; align-items: center !important; gap: 0.75rem !important; margin-bottom: 0.5rem !important;">
<div class="step-number" style="display: flex !important; align-items: center !important; justify-content: center !important; width: 32px !important; height: 32px !important; background: #FD4308 !important; color: #ffffff !important; border-radius: 8px !important; font-weight: 700 !important;">3</div>
<h2 style="color: #1C1C3F !important; font-size: 1.5rem !important; font-weight: 600 !important; border-bottom: 2px solid #FD4308 !important; padding-bottom: 0.5rem !important;">Go to Marketplace and Select Business Partners</h2>
</div>
<div class="step-content" style="margin-left: 40px !important; color: #334155 !important;">
<p style="color: #334155 !important; margin-bottom: 0.75rem !important;">Go to the <strong style="font-weight: 600 !important;">Marketplace section</strong> and <strong style="font-weight: 600 !important;">select Business Partners</strong>.</p>
</div>
</div>
<!-- Step 4 -->
<div class="step" id="step-4" style="padding: 1rem !important; background: #ffffff !important; border-left: 3px solid #e2e8f0 !important; margin-left: 1rem !important;">
<div class="step-header" style="display: flex !important; align-items: center !important; gap: 0.75rem !important; margin-bottom: 0.5rem !important;">
<div class="step-number" style="display: flex !important; align-items: center !important; justify-content: center !important; width: 32px !important; height: 32px !important; background: #FD4308 !important; color: #ffffff !important; border-radius: 8px !important; font-weight: 700 !important;">4</div>
<h2 style="color: #1C1C3F !important; font-size: 1.5rem !important; font-weight: 600 !important; border-bottom: 2px solid #FD4308 !important; padding-bottom: 0.5rem !important;">Select the Company</h2>
</div>
<div class="step-content" style="margin-left: 40px !important; color: #334155 !important;">
<p style="color: #334155 !important; margin-bottom: 0.75rem !important;"><strong style="font-weight: 600 !important;">Select the Company</strong> (e.g., ACME Corp) you are looking to set up.</p>
</div>
</div>
<!-- Step 5 -->
<div class="step" id="step-5" style="padding: 1rem !important; background: #ffffff !important; border-left: 3px solid #e2e8f0 !important; margin-left: 1rem !important;">
<div class="step-header" style="display: flex !important; align-items: center !important; gap: 0.75rem !important; margin-bottom: 0.5rem !important;">
<div class="step-number" style="display: flex !important; align-items: center !important; justify-content: center !important; width: 32px !important; height: 32px !important; background: #FD4308 !important; color: #ffffff !important; border-radius: 8px !important; font-weight: 700 !important;">5</div>
<h2 style="color: #1C1C3F !important; font-size: 1.5rem !important; font-weight: 600 !important; border-bottom: 2px solid #FD4308 !important; padding-bottom: 0.5rem !important;">Locate the Spend Management Provider Tile</h2>
</div>
<div class="step-content" style="margin-left: 40px !important; color: #334155 !important;">
<p style="color: #334155 !important; margin-bottom: 0.75rem !important;"><strong style="font-weight: 600 !important;">Locate</strong> the relevant <strong style="font-weight: 600 !important;">[Spend Management Provider] tile</strong> for the data feed:</p>
<ol style="color: #334155 !important; padding-left: 1.5rem !important;">
<li style="color: #334155 !important; margin: 0.35rem 0 !important;">Select parent tile: <strong style="font-weight: 600 !important;">"[Spend Management Provider]"</strong></li>
<li style="color: #334155 !important; margin: 0.35rem 0 !important;">Select child tile: <strong style="font-weight: 600 !important;">"[Spend Management Provider] by Astrada"</strong></li>
</ol>
</div>
</div>
<!-- Step 6 -->
<div class="step" id="step-6" style="padding: 1rem !important; background: #ffffff !important; border-left: 3px solid #e2e8f0 !important; margin-left: 1rem !important;">
<div class="step-header" style="display: flex !important; align-items: center !important; gap: 0.75rem !important; margin-bottom: 0.5rem !important;">
<div class="step-number" style="display: flex !important; align-items: center !important; justify-content: center !important; width: 32px !important; height: 32px !important; background: #FD4308 !important; color: #ffffff !important; border-radius: 8px !important; font-weight: 700 !important;">6</div>
<h2 style="color: #1C1C3F !important; font-size: 1.5rem !important; font-weight: 600 !important; border-bottom: 2px solid #FD4308 !important; padding-bottom: 0.5rem !important;">Get Started</h2>
</div>
<div class="step-content" style="margin-left: 40px !important; color: #334155 !important;">
<p style="color: #334155 !important; margin-bottom: 0.75rem !important;">Click <strong style="font-weight: 600 !important;">"Get started"</strong> on the <strong style="font-weight: 600 !important;">"[Spend Management Provider] by Astrada"</strong> child tile.</p>
</div>
</div>
<!-- Step 7 -->
<div class="step" id="step-7" style="padding: 1rem !important; background: #ffffff !important; border-left: 3px solid #e2e8f0 !important; margin-left: 1rem !important;">
<div class="step-header" style="display: flex !important; align-items: center !important; gap: 0.75rem !important; margin-bottom: 0.5rem !important;">
<div class="step-number" style="display: flex !important; align-items: center !important; justify-content: center !important; width: 32px !important; height: 32px !important; background: #FD4308 !important; color: #ffffff !important; border-radius: 8px !important; font-weight: 700 !important;">7</div>
<h2 style="color: #1C1C3F !important; font-size: 1.5rem !important; font-weight: 600 !important; border-bottom: 2px solid #FD4308 !important; padding-bottom: 0.5rem !important;">Confirm Subscription</h2>
</div>
<div class="step-content" style="margin-left: 40px !important; color: #334155 !important;">
<p style="color: #334155 !important; margin-bottom: 0.75rem !important;"><strong style="font-weight: 600 !important;">Confirm subscription</strong> so that the company is now subscribed to the [Spend Management Provider] by Astrada integration.</p>
<div class="callout callout-success" style="padding: 1rem !important; border-left: 4px solid #06d6a0 !important; background: #ecfdf5 !important; color: #334155 !important; margin: 0.75rem 0 !important; border-radius: 6px !important;">
<strong style="font-weight: 600 !important;">Next Steps:</strong>
Once these steps are complete, provide the <strong style="font-weight: 600 !important;">Region ID</strong>, <strong style="font-weight: 600 !important;">Processor ID</strong>, <strong style="font-weight: 600 !important;">Issuer ID</strong>, and <strong style="font-weight: 600 !important;">Company ID</strong> (sometimes referred to as RPIC IDs) to your customer to complete their set up with their spend management provider.
</div>
</div>
</div>
</section>
<!-- FAQ Section -->
<section id="faq" style="margin-bottom: 2rem !important;">
<h2 style="color: #1C1C3F !important; font-size: 1.5rem !important; font-weight: 600 !important; border-bottom: 2px solid #FD4308 !important; padding-bottom: 0.5rem !important;">Frequently Asked Questions</h2>
<div class="faq-item" style="margin-bottom: 1.5rem !important; padding-bottom: 1.5rem !important; border-bottom: 1px solid #e2e8f0 !important; color: #334155 !important;">
<h4 style="color: #1C1C3F !important; font-size: 1.1rem !important; font-weight: 600 !important;">Who is Astrada and how do they work with the networks and the Spend Management Platform?</h4>
<p style="color: #334155 !important; margin-bottom: 0.75rem !important;">Astrada enables Spend Management Platforms to securely and safely access real-time transaction feeds on behalf of the corporate and its cardholders. Astrada connects directly to major card networks and delivers normalized, real-time transaction data to their Spend Management Platform customers. This enables real-time expense reporting, faster reconciliation, and enhanced user experiences within the Spend Management Platform.</p>
<p style="color: #334155 !important; margin-bottom: 0.75rem !important;">Astrada is <a href="#glossary-pci-dss" class="glossary-link" style="color: #334155 !important; font-style: italic !important; text-decoration: none !important; border-bottom: 1px dotted #64748b !important;"><strong style="font-weight: 600 !important;">PCI DSS</strong></a> Level 1 compliant and operates in accordance with its providers' (e.g., Payment Networks) and customers' (e.g., Spend Management Platforms) security, privacy, and compliance requirements. Astrada undergoes regular independent third-party security assessments and maintains industry-standard certifications appropriate for the processing of sensitive payment data.</p>
</div>
<div class="faq-item" style="margin-bottom: 1.5rem !important; padding-bottom: 1.5rem !important; border-bottom: 1px solid #e2e8f0 !important; color: #334155 !important;">
<h4 style="color: #1C1C3F !important; font-size: 1.1rem !important; font-weight: 600 !important;">I support file-delivery via VCF (Visa Commercial Format) files, but I don't support API-delivery.</h4>
<p style="color: #334155 !important; margin-bottom: 0.75rem !important;"><strong style="font-weight: 600 !important;">All <a href="#glossary-issuer" class="glossary-link" style="color: #334155 !important; font-style: italic !important; text-decoration: none !important; border-bottom: 1px dotted #64748b !important;">issuers</a> on the <a href="#glossary-vcs" class="glossary-link" style="color: #334155 !important; font-style: italic !important; text-decoration: none !important; border-bottom: 1px dotted #64748b !important;">Visa Commercial Platform (VCS)</a> can support API-delivery.</strong> If you already support VCF (Visa Commercial Format) file delivery, you are operating on the same Visa Commercial Data platform that supports <a href="#glossary-vbds" class="glossary-link" style="color: #334155 !important; font-style: italic !important; text-decoration: none !important; border-bottom: 1px dotted #64748b !important;">VBDS APIs</a>. Enabling APIs does not require a new system; it is an additional configuration and data delivery option within the existing platform. VBDS APIs provide an alternative method for delivering data via Application Programming Interfaces (APIs) that can complement your current file-based processes. Instead of sending a scheduled file, an API allows two systems to exchange data directly and in near real time, aiming to reduce manual steps and improve speed.</p>
</div>
<div class="faq-item" style="margin-bottom: 1.5rem !important; padding-bottom: 1.5rem !important; border-bottom: 1px solid #e2e8f0 !important; color: #334155 !important;">
<h4 style="color: #1C1C3F !important; font-size: 1.1rem !important; font-weight: 600 !important;">What if I do not participate in the Visa Commercial Platform? Can I sign up? If I don't want to, can our corporates and their cardholders still connect their cards to their Spend Management Platform?</h4>
<p style="color: #334155 !important; margin-bottom: 0.75rem !important;">If you do not currently participate in the Visa Commercial Platform, you have two options:</p>
<ol style="color: #334155 !important; padding-left: 1.5rem !important;">
<li style="color: #334155 !important; margin: 0.35rem 0 !important;">Connect with your Visa Account Executive to inquire about signing up.</li>
<li style="color: #334155 !important; margin: 0.35rem 0 !important;">Encourage your corporate customer to reach out to the Spend Management Platform to leverage <strong style="font-weight: 600 !important;">Astrada's Individual Enrollment</strong> option instead.</li>
</ol>
</div>
<div class="faq-item" style="margin-bottom: 1.5rem !important; padding-bottom: 1.5rem !important; border-bottom: 1px solid #e2e8f0 !important; color: #334155 !important;">
<h4 style="color: #1C1C3F !important; font-size: 1.1rem !important; font-weight: 600 !important;">What specific data fields are shared with the Spend Management Platform through Astrada?</h4>
<p style="color: #334155 !important; margin-bottom: 0.75rem !important;">Astrada delivers authorization and clearing data fields that businesses need to manage spend through their Spend Management Platform. This includes a core set of authorization data (e.g., merchant name, transaction amount, date) to power real-time purchase notifications, as well as clearing data comparable to standard bank and network clearing files.</p>
<p style="color: #334155 !important; margin-bottom: 0.75rem !important;">A full list of data fields is available <a href="https://docs.astrada.co/reference/gettransactionmessagebyid" style="color: #FD4308 !important; text-decoration: none !important;">here</a> in Astrada's <a href="https://docs.astrada.co/" style="color: #FD4308 !important; text-decoration: none !important;">documentation</a>.</p>
</div>
<div class="faq-item" style="margin-bottom: 1.5rem !important; padding-bottom: 1.5rem !important; border-bottom: 1px solid #e2e8f0 !important; color: #334155 !important;">
<h4 style="color: #1C1C3F !important; font-size: 1.1rem !important; font-weight: 600 !important;">Does corporate and cardholder consent need to be obtained before enrolling a company? If so, whose responsibility is that?</h4>
<p style="color: #334155 !important; margin-bottom: 0.75rem !important;">Yes. Astrada works with each Spend Management Platform (Astrada's customer) to ensure that proper disclosure and consent are incorporated into the end-user experience, user terms, and privacy policy. The corporate and its cardholders consent to sharing data with Astrada and the Spend Management Platform and to allowing the payment network to facilitate the data sharing.</p>
<p style="color: #334155 !important; margin-bottom: 0.75rem !important;">Astrada reviews and approves each program — including the UX, user terms, and privacy policy — before allowing it to launch, and conducts regular audits thereafter.</p>
</div>
<div class="faq-item" style="margin-bottom: 1.5rem !important; padding-bottom: 1.5rem !important; border-bottom: 1px solid #e2e8f0 !important; color: #334155 !important;">
<h4 style="color: #1C1C3F !important; font-size: 1.1rem !important; font-weight: 600 !important;">Does this work for all commercial card products (purchasing, corporate, fleet, virtual), or only certain ones?</h4>
<p style="color: #334155 !important; margin-bottom: 0.75rem !important;">All corporate and commercial card products that participate in the Payment Network's commercial platform are eligible.</p>
</div>
<div class="faq-item" style="margin-bottom: 1.5rem !important; padding-bottom: 1.5rem !important; border-bottom: 1px solid #e2e8f0 !important; color: #334155 !important;">
<h4 style="color: #1C1C3F !important; font-size: 1.1rem !important; font-weight: 600 !important;">Reference Materials</h4>
<ul style="color: #334155 !important; padding-left: 1.5rem !important;">
<li style="color: #334155 !important; margin: 0.35rem 0 !important;"><a href="https://docs.astrada.co/reference/api-basics" style="color: #FD4308 !important; text-decoration: none !important;">Astrada API Reference</a></li>
<li style="color: #334155 !important; margin: 0.35rem 0 !important;"><a href="https://astrada.co/data-processing-addendum" style="color: #FD4308 !important; text-decoration: none !important;">Astrada Data Processing Addendum</a></li>
<li style="color: #334155 !important; margin: 0.35rem 0 !important;"><a href="https://astrada.co/legal" style="color: #FD4308 !important; text-decoration: none !important;">Astrada Privacy Policy</a></li>
</ul>
<p style="color: #334155 !important; margin-bottom: 0.75rem !important;">If you have any questions about Astrada or the setup process outlined in this guide, please contact <a href="mailto:[email protected]" style="color: #FD4308 !important; text-decoration: none !important;">[email protected]</a>.</p>
</div>
</section>
<!-- Troubleshooting Section -->
<section id="troubleshooting" style="margin-bottom: 2rem !important;">
<h2 style="color: #1C1C3F !important; font-size: 1.5rem !important; font-weight: 600 !important; border-bottom: 2px solid #FD4308 !important; padding-bottom: 0.5rem !important;">Troubleshooting</h2>
<div class="trouble-item" style="margin-bottom: 1.5rem !important; padding: 1rem !important; background: #fef2f2 !important; border-left: 3px solid #ef476f !important; border-radius: 0 8px 8px 0 !important; color: #334155 !important;">
<h4 style="color: #1C1C3F !important; font-size: 1.1rem !important; font-weight: 600 !important;">Company not found in search</h4>
<p style="color: #334155 !important; margin-bottom: 0.75rem !important;"><strong style="font-weight: 600 !important;">Solution:</strong> Verify the company name/ID or check if the company needs to be added first. If the company is not there, it means your bank and/or processor must start sending data to Visa to enable Visa to send outbound to recipients.</p>
</div>
<div class="trouble-item" style="margin-bottom: 1.5rem !important; padding: 1rem !important; background: #fef2f2 !important; border-left: 3px solid #ef476f !important; border-radius: 0 8px 8px 0 !important; color: #334155 !important;">
<h4 style="color: #1C1C3F !important; font-size: 1.1rem !important; font-weight: 600 !important;">"[SMP_Name] by Astrada" endpoint is not appearing</h4>
<p style="color: #334155 !important; margin-bottom: 0.75rem !important;"><strong style="font-weight: 600 !important;">Solution:</strong> Email <a href="mailto:[email protected]" style="color: #FD4308 !important; text-decoration: none !important;">[email protected]</a> and copy <a href="mailto:[email protected]" style="color: #FD4308 !important; text-decoration: none !important;">[email protected]</a> for assistance. You may not be subscribed to the appropriate endpoint at the Issuer level (see Step 1). Regardless, the Visa Support team will be able to assist you with troubleshooting and resolving the issue.</p>
</div>
<div class="trouble-item" style="margin-bottom: 1.5rem !important; padding: 1rem !important; background: #fef2f2 !important; border-left: 3px solid #ef476f !important; border-radius: 0 8px 8px 0 !important; color: #334155 !important;">
<h4 style="color: #1C1C3F !important; font-size: 1.1rem !important; font-weight: 600 !important;">Unable to select relevant Visa Products (e.g., Starter Data API, etc.)</h4>
<p style="color: #334155 !important; margin-bottom: 0.75rem !important;"><strong style="font-weight: 600 !important;">Solution:</strong> Contact <a href="mailto:[email protected]" style="color: #FD4308 !important; text-decoration: none !important;">[email protected]</a> and copy <a href="mailto:[email protected]" style="color: #FD4308 !important; text-decoration: none !important;">[email protected]</a> for assistance.</p>
</div>
</section>
<!-- Support Section -->
<section id="support" style="margin-bottom: 2rem !important;">
<h2 style="color: #1C1C3F !important; font-size: 1.5rem !important; font-weight: 600 !important; border-bottom: 2px solid #FD4308 !important; padding-bottom: 0.5rem !important;">Support</h2>
<p style="color: #334155 !important; margin-bottom: 0.75rem !important;">For any assistance with this process, please contact:</p>
<p style="color: #334155 !important; margin-bottom: 0.75rem !important;"><strong style="font-weight: 600 !important;">Astrada Onboarding Support:</strong><br>
<a href="mailto:[email protected]" style="color: #FD4308 !important; text-decoration: none !important;">[email protected]</a>
</section>
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<p style="color: #334155 !important; margin-bottom: 0.75rem !important;"><strong style="font-weight: 600 !important;">Issuer Guide to Visa Bulk Enrollment</strong></p>
<p style="color: #334155 !important; margin-bottom: 0.75rem !important;">For support: <a href="mailto:[email protected]" style="color: #FD4308 !important; text-decoration: none !important;">[email protected]</a></p>
<p style="color: #334155 !important; margin-bottom: 0.75rem !important;"><small>Last updated: January 29, 2026</small></p>
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<!-- Glossary Sidebar -->
<aside class="glossary-sidebar" style="width: 280px !important;">
<div class="glossary" style="position: sticky !important; top: 2rem !important; background: #ffffff !important; border-radius: 12px !important; padding: 1.5rem !important;">
<h3 style="color: #1C1C3F !important; font-size: 1.25rem !important; font-weight: 600 !important;">Glossary</h3>
<div class="glossary-item" id="glossary-api" style="margin-bottom: 0.75rem !important; padding: 0.75rem !important; background: #f8fafc !important; border-radius: 6px !important;">
<div class="glossary-term" style="font-weight: 600 !important; color: #1C1C3F !important; font-size: 0.9rem !important;"><span class="glossary-abbr" style="color: #FD4308 !important; font-weight: 500 !important;">API</span></div>
<p class="glossary-definition" style="font-size: 0.85rem !important; color: #64748b !important; margin: 0 !important;">Application Programming Interface. A way for two systems to exchange data directly and in near real time, without manual file transfers.</p>
</div>
<div class="glossary-item" id="glossary-astrada" style="margin-bottom: 0.75rem !important; padding: 0.75rem !important; background: #f8fafc !important; border-radius: 6px !important;">
<div class="glossary-term" style="font-weight: 600 !important; color: #1C1C3F !important; font-size: 0.9rem !important;">Astrada</div>
<p class="glossary-definition" style="font-size: 0.85rem !important; color: #64748b !important; margin: 0 !important;">A PCI DSS Level 1 compliant company that connects card networks to Spend Management Platforms, enabling real-time transaction data delivery.</p>
</div>
<div class="glossary-item" id="glossary-corporate-client" style="margin-bottom: 0.75rem !important; padding: 0.75rem !important; background: #f8fafc !important; border-radius: 6px !important;">
<div class="glossary-term" style="font-weight: 600 !important; color: #1C1C3F !important; font-size: 0.9rem !important;">Corporate Client</div>
<p class="glossary-definition" style="font-size: 0.85rem !important; color: #64748b !important; margin: 0 !important;">A business customer of the issuing bank whose employees use commercial cards and who wants transaction data sent to their Spend Management Platform.</p>
</div>
<div class="glossary-item" id="glossary-issuer" style="margin-bottom: 0.75rem !important; padding: 0.75rem !important; background: #f8fafc !important; border-radius: 6px !important;">
<div class="glossary-term" style="font-weight: 600 !important; color: #1C1C3F !important; font-size: 0.9rem !important;">Issuer</div>
<p class="glossary-definition" style="font-size: 0.85rem !important; color: #64748b !important; margin: 0 !important;">The bank or financial institution that issues commercial cards to corporate clients and manages their card programs.</p>
</div>
<div class="glossary-item" id="glossary-pci-dss" style="margin-bottom: 0.75rem !important; padding: 0.75rem !important; background: #f8fafc !important; border-radius: 6px !important;">
<div class="glossary-term" style="font-weight: 600 !important; color: #1C1C3F !important; font-size: 0.9rem !important;"><span class="glossary-abbr" style="color: #FD4308 !important; font-weight: 500 !important;">PCI DSS</span></div>
<p class="glossary-definition" style="font-size: 0.85rem !important; color: #64748b !important; margin: 0 !important;">Payment Card Industry Data Security Standard. A security certification for organizations handling payment card data.</p>
</div>
<div class="glossary-item" id="glossary-rpic" style="margin-bottom: 0.75rem !important; padding: 0.75rem !important; background: #f8fafc !important; border-radius: 6px !important;">
<div class="glossary-term" style="font-weight: 600 !important; color: #1C1C3F !important; font-size: 0.9rem !important;"><span class="glossary-abbr" style="color: #FD4308 !important; font-weight: 500 !important;">RPIC IDs</span></div>
<p class="glossary-definition" style="font-size: 0.85rem !important; color: #64748b !important; margin: 0 !important;">Region ID, Processor ID, Issuer ID, and Company ID. A set of identifiers required to complete the corporate setup with the spend management provider.</p>
</div>
<div class="glossary-item" id="glossary-smp" style="margin-bottom: 0.75rem !important; padding: 0.75rem !important; background: #f8fafc !important; border-radius: 6px !important;">
<div class="glossary-term" style="font-weight: 600 !important; color: #1C1C3F !important; font-size: 0.9rem !important;"><span class="glossary-abbr" style="color: #FD4308 !important; font-weight: 500 !important;">SMP</span></div>
<p class="glossary-definition" style="font-size: 0.85rem !important; color: #64748b !important; margin: 0 !important;">Spend Management Platform. Software used by corporations to manage expenses, reconcile transactions, and streamline accounting workflows.</p>
</div>
<div class="glossary-item" id="glossary-vbds" style="margin-bottom: 0.75rem !important; padding: 0.75rem !important; background: #f8fafc !important; border-radius: 6px !important;">
<div class="glossary-term" style="font-weight: 600 !important; color: #1C1C3F !important; font-size: 0.9rem !important;"><span class="glossary-abbr" style="color: #FD4308 !important; font-weight: 500 !important;">VBDS</span></div>
<p class="glossary-definition" style="font-size: 0.85rem !important; color: #64748b !important; margin: 0 !important;">Visa Business Data Solutions. Visa's API-based platform for delivering commercial card transaction data to authorized recipients.</p>
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<div class="glossary-item" id="glossary-vcf" style="margin-bottom: 0.75rem !important; padding: 0.75rem !important; background: #f8fafc !important; border-radius: 6px !important;">
<div class="glossary-term" style="font-weight: 600 !important; color: #1C1C3F !important; font-size: 0.9rem !important;"><span class="glossary-abbr" style="color: #FD4308 !important; font-weight: 500 !important;">VCF</span></div>
<p class="glossary-definition" style="font-size: 0.85rem !important; color: #64748b !important; margin: 0 !important;">Visa Commercial Format. A file-based method for delivering transaction data, typically on a scheduled basis.</p>
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<div class="glossary-item" id="glossary-vcs" style="margin-bottom: 0.75rem !important; padding: 0.75rem !important; background: #f8fafc !important; border-radius: 6px !important;">
<div class="glossary-term" style="font-weight: 600 !important; color: #1C1C3F !important; font-size: 0.9rem !important;"><span class="glossary-abbr" style="color: #FD4308 !important; font-weight: 500 !important;">VCS</span></div>
<p class="glossary-definition" style="font-size: 0.85rem !important; color: #64748b !important; margin: 0 !important;">Visa Commercial Solutions. The Visa platform that provides commercial card data services to issuers and their corporate clients.</p>
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<div class="glossary-item" id="glossary-visa-access" style="margin-bottom: 0.75rem !important; padding: 0.75rem !important; background: #f8fafc !important; border-radius: 6px !important;">
<div class="glossary-term" style="font-weight: 600 !important; color: #1C1C3F !important; font-size: 0.9rem !important;">Visa Access</div>
<p class="glossary-definition" style="font-size: 0.85rem !important; color: #64748b !important; margin: 0 !important;">The web portal where issuers log in to manage their Visa Commercial Solutions settings and subscriptions.</p>
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