Visa Transaction Underwriting Score

A credit score, at the card level, predicts the likelihood of falling in arrears.

Scoring is based on 3 types of analytic data: 

  • volume and categories of expenses
  • payment patterns and their stability
  • denied transactions
What it includes:
Visa Transaction Underwriting Score
A value 0 to 1, which represents the probability of late payments, at least 60 days past due, within a 12-month period, where 0 is a high level of risk, and 1 is a low level of risk.
Stages of the service activation:
  • Contacting the bureau to activate the VCTS service
  • Negotiating the new partner sign up with VISA 
  • Providing the partner with access, key, specification and requirements, upon client’s consent
  • Company-Bureau-Visa general call
  • Retro test (pilot), if necessary
  • Integration with the Bureau (+ API testing)
Іnteraction scheme
Report processing
XML
This method of reporting enables the automated processing of requests, and provides reports in the format of your choice.
 
General structure of interaction:
 
Http Method
 
POST
 
Request URL
 
 
Test URL
 
 
Request   
 
 
Response
 

Requesting a report is possible only subject to the individual’s consent

 

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