Visa Confidential

Visa B2B Connect

User guide
Version 1.0
Version history
Visa B2B Connect – User guide, Version 1.0, August 2020

IMPORTANT INFORMATION ON CONFIDENTIALITY AND COPYRIGHT

© 2020 Visa. All rights reserved.
Notice: This information is proprietary and CONFIDENTIAL to Visa. It is distributed to Visa Participants for use exclusively in managing their Visa programs. It must not be duplicated, published,
distributed or disclosed, in whole or in part to Commercial Customers or any other person without prior written permission from Visa.
The Visa Confidential label signifies that the information in this document is confidential and proprietary to Visa and is intended for use only by Visa B2B Connect Participants subject to the
confidentiality restrictions in the Visa B2B Connect Service Rules, and other third parties that have a current agreement, including confidentiality provisions, or other non-disclosure agreement with
Visa that covers disclosure and use of the information contained herein.
This document is protected by copyright restricting its use, copying, distribution, and recompilation. No part of this document may be reproduced in any form by any means without prior
authorization of Visa.
The trademarks, logos, trade names, and service marks, whether registered or unregistered (collectively the “Trademarks”) are Trademarks owned by Visa. All other trademarks not attributed to Visa
are the property of their respective owners.
NOTE
This document is not part of the Visa B2B Connect Service Rules. In the event of any conflict between any content in this document, any document referenced herein, any exhibit to this document,
or any communications concerning this document, and any content in the Visa B2B Connect Service Rules, the Visa B2B Connect Service Rules shall govern and control.
THIS PUBLICATION IS PROVIDED ON AN “AS IS, WHERE IS” BASIS, “WITH ALL FAULTS” KNOWN AND UNKNOWN. THIS PUBLICATION COULD INCLUDE TECHNICAL INACCURACIES OR TYPOGRAPHICAL
ERRORS. CHANGES ARE PERIODICALLY ADDED TO THE INFORMATION HERIN: THESE CHANGES WILL BE INCORPORATED IN NEW EDITIONS OF THE PUBLICATION. VISA MAY MAKE IMPROVEMENTS
AND/OR CHANGES IN THE PRODUCT(S) AND/OR THE PROGRAM(S) DESCRIBED IN THIS PUBLICATION AT ANY TIME. WHERE POTENTIAL FUTURE FUNCTIONALILITY IS HIGHLIGHTED, VISA DOES NOT
PROVIDED ANY WARRANTY ON WHETHER SUCH FUNCTIONALITY WILL BE AVAILABLE IR IF IT WILL BE DELIVERED IN ANY PARTICULAR. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW,
VISA EXPLICITLY DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, REGARDING THE INFORMATION CONTAINED HERIN, INCLUDING ANY IMPLIED WARRANTY OF MERCHANTABILITY, FITNESS FOR A
PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
If you have technical questions or questions regarding a Visa service or questions about this document, please contact your Visa representative.

2 Visa Confidential Visa B2B Connect User Guide

Contents

About this guide 4 Companies tab | Bulk upload 14

Accessing Visa B2B Connect 5 Global Settings tab 15
Home screen | Dashboard 6 Bank Profile tab 16
Payments tab | Overview 8 Appendix 1 | Report formats 17
Payments tab | Incoming payments 9 Appendix 2 | Audit tab 18
Payments tab | Status values and actions 10
View payment details
Recall a payment
Reject a payment

Companies tab | Companies overview 11

Companies tab | Adding a Commercial Customer 12

3 Visa Confidential Visa B2B Connect User Guide

About this guide

This document is intended to provide instructions and guidelines Related publications

for Participants using the Visa B2B Connect Service.
This document is used in conjunction with other Visa B2B Connect
It describes how the Participant’s users can access the Visa B2B supporting documentation.
Connect portal and user interface.
• Visa B2B Connect Service Rules
Introduction • Visa B2B Connect Service Description
Visa B2B Connect is an innovative multilateral network which • Visa B2B Connect Service Settlement Funds Transfer Guide
delivers B2B cross-border payments that are predictable, secure
and cost-effective for participating banks and their corporate • Visa B2B Connect Client Implementation Guide
clients. This service does not rely on the traditional model of card Please contact your Visa Account Representative to obtain
issuers and merchant acquirers. Visa B2B Connect transactions additional documents.
are instead funded by the originator’s cash account at their
commercial bank and paid to the recipient’s cash account at their
commercial bank.

Audience
This document is intended for Participant’s administrators who use
the Visa B2B Connect service to make and receive payments.

4 Visa Confidential Visa B2B Connect User Guide

Accessing Visa B2B Connect

New users – first time setup Accessing Visa B2B Connect

To access the Visa B2B Connect portal, Participant users must first 1. Log on to Visa Online by going to www.visaonline.com in
be enrolled in Visa Online (VOL) and request access to the Visa B2B your browser.
Connect service.
2. Enter your User Name and Password, and then click Log In.
• 
Accessing Visa Online (VOL) The Visa Online home page appears
Go to www.visaonline.com to enroll by clicking the Enroll
3. Locate the section titled My Services on the Visa Online
Today! button and follow the registration steps.
home page and then click the Visa B2B Connect service link.
You’ll need:
•B usiness email address User roles in the Visa B2B Connect portal
•O rganization Business ID (BID)
Participant users can be entitled to all or some of the roles within
•M anager’s contact details
the Visa B2B Connect portal. Users should refer to their Visa B2B
Once successfully registered, you will receive notification from Connect administrator for role entitlements. The following pages
VOL of your User Name and Password. reflect all entitlements available and may not be reflected on the
Participant users’ screens.
•  ccessing the Visa B2B Connect service
A
Whether you are an existing or newly enrolled VOL user you
must now send an email to your Visa representative with your
contact information, your roles and responsibilities.

5 Visa Confidential Visa B2B Connect User Guide

 1

2 3

Home screen | Dashboard

Once you have logged into the Visa B2B Connect service on Visa Online,
the portal dashboard appears. The dashboard provides a summary of all
aspects of the service that are available to Participant users.

1 2

Tabs Add company shortcut

Home User can select Add Company. This will
The Home page shows a dashboard direct the user to the Add Company tab.
summary of the Participant’s activity,
short cut to add Commercial Customer, 3
and view enabled currencies settlement
windows. Language
Payments Available language selections will appear
The Payments page shows the payments in the dropdown menu.
between Commercial Customers including
the following information about each
payment. The remaining dashboards are described on
Companies the following page.
Participant users can set up Commercial
Customers to participate in the VBC
service.
Global Settings
Provides users the ability to change
general settings for transaction limits, add/
edit bank blocked countries and a view of
supported currencies.
Bank Profile
Shows Participants bank’s details including The data on this page
are used for illustration
settlement account, payment notification
only and do not reflect
emails and bank details. actual Visa data

6 Visa Confidential Visa B2B Connect User Guide

Home screen | Dashboard
4 funds available on the
Summary
Summarizes the total number
of Commercial Customers and
payments processed in the
system in the last 12 months
(rolling-date basis).
5 the payment volumes per day
Currency Converter
A tool that reflects the Visa
rates by currency
• Enter amount of currency to
convert in either Sender or
Recipient amount fields
• Select the currency from
drop-down menus in either
from or to currency fields.
6 Transaction Volume
Settlement Position
A view that shows the
Participant’s current Net
Settlement Position for Visa B2B
Connect transactions, current
Balance and Current Delta.
• Select the currency from
drop-down menus
• Incoming Funds - the
Participant’s payments
received from Commercial
Customers
7 Visa Confidential
• Net Position - the total
Visa B2B Connect service
(incoming payments minus
outgoing payments)
• Funded Amount –
Participant’s pre-funded
amount for day. This is set up
during the implementation
phase.
7 by currency. (5 days view)
Messages
A view that recaps current
messages exchanged between
Visa Participants enrolled in the
Visa B2B Connect service.
8 upcoming settlement window
Top Companies by
A view that recaps a
Participant’s top Commercial
Customers’ incoming and
outgoing payments by
currency.
9
Payment Transactions
by Currency
A view that graphically shows
the actual payment transaction
volume per day over a period
of time.
4 5
• Select the currency from
drop-down menus
• Select the date range from
drop-down menus (1 to 8
day range). 6 7
The Visa B2B Connect service portal dashboard appears. The
10
dashboard provides a summary of all aspects of the service that is
Net Settlement Volume available for Participant users.
A view that graphically shows
8 9
• Select the currency from
drop-down menus.
11
Settlement Window
A view that provides the
and time remaining before
processing of transactions
in the selected currency.
Transactions submitted after
the processing cut-off are
10 11
settled as part of the next
processing window. Only
reflects Participant’s on-
boarded currencies.
The data on this page
are used for illustration
only and do not reflect
actual Visa data
Visa B2B Connect User Guide
Payments tab | Overview
The Payments tab provides details and status of all payments for your organization,
including the ability to view payment details and reject or recall a payment.
Note: all tabs follow the same screen default settings Search box
The search box can be used to
perform a look-up of a Participant’s
Incoming Outgoing Pending Notifications/emails payments by using the unique
payments payments payments See Bank Profile Payment ID or keywords, including
bank name, amount, status, etc.

The data on this page

are used for illustration
only and do not reflect
actual Visa data

Download
reporting icon
Print reports
and details – see
examples provided
in the appendix.
Unique identifier Recipient Transaction The currency value Transaction status of a
tied to a single This option is payment value identified in the single payment – see
payment only visible in the payment amount Status values
Outgoing Payments
tab view.
Indicates when Commercial Not populated by The currency In network: known
payment was Customer or Participant users identified in the Visa Participants
initiated Sender payment amount Out of network:
non-Visa Participants

8 Visa Confidential Visa B2B Connect User Guide

Payments tab | Incoming payments
You can view more details about a payment
by clicking on it. The view of the payment
details is the same whether it is incoming,
outgoing or pending.

The data on this page

are used for illustration
only and do not reflect
actual Visa data

Message
Participants can exchange messages
with other Participants.

9 Visa Confidential Visa B2B Connect User Guide

Payments tab | Status values and actions
Status values Actions
Status Description View payment details
Select and click any line of a payment to show payment details
Rejected • Payment has been rejected due to insufficient Recall • The receiving Commercial Customer has not dashboard:
funds or any other reason Visa B2B Connect Rejected accepted the request to recall • Payer Information
cannot process a payment. • Processing successful but subsequently the • Recipient Information
• Not an immediate status response as settlement payment recall was not approved by the • Remittance information
generally occurs after the end of that settlement receiving bank. • Payment information
cycle. Recalled • The receiving bank accepted request to recall. • Payment history
Pending • T he payment has been funded before • Processing successful but subsequently the • Message
Settlement settlement. payment recall was approved by the receiving
• Successful processing but pending settlement. bank. Recall a payment – outgoing payments
• Immediate status response for successfully Select and click any line of a payment to show payment dashboard
Returned • Sending Bank rejects the payment and returns
processed payment. • Select Request Recall under the Payment History dashboard
funds.
• Select view details
On Hold • The payment was not funded before the final • Rejections may occur when counterparty details
• Select request recall
settlement window. are incomplete, inaccurate or if they are unable
• Update reason (required field) with pre-populated drop
• Successful processing but on hold pending to post to the account.
downs
confirmation of funds. • It is recommended that the sender and receiver
• Update comment field
• Immediate status response for successfully details are reconfirmed before attempting to
• Select cancel or recall payment
received payment for processing. resend the transaction.
• User will see a green Operation has completed successfully bar.
Settlement • Settlement for the payment has been initiated. Beneficiary • Once the receiving bank post funds to • Status will be reflected within the payment details
Initiated • Not an immediate status response as settlement Credit beneficiary Commercial Customer and updates
generally occurs after the end of the cycle. Confirmed B2B Connect. Reject a payment
Settled • Payment Processing was successful, and the • Not all payments receive this status as not all To reject a payment – only for incoming payment
payment has been settled. receiving banks are able to update the B2B • Select Reject Payment under the Payment History dashboard
• Not an immediate status response as settlement Connect status. • Select view details
general occurs after the end of the cycle. • Update reason (required field) with pre-populated drop
downs
Recall • From sending Participant
• Update comment field
Requested • Processing successful but payment recall
• Select cancel or reject payment
subsequently requested from sending
• User will see a green Operation has completed successfully bar.
Participant bank.
• Status will be reflected within the payment details

10 Visa Confidential Visa B2B Connect User Guide

Companies tab | Companies overview
The Companies* tab provides details and status of History Search box
all Commercial Customers for your institution. • Provides file details The search box can be Download
• List of companies and used to perform a look-up reporting icon
status of company of a commercial customer Print reports and details –
Companies Companies Bulk upload Add a single Commercial (companies) by using unique see examples provided in
overview listing See Bulk Upload Customer to your network Enterprise ID or keywords. the appendix.

The data on this page

are used for illustration
only and do not reflect
actual Visa data

Filter
Customisable
screen view

Company Unique ID assigned by Primary currency set Company status with

name Visa B2B Connect for each up for the Visa B2B Visa B2B Connect
Commercial Customer Location of the Connect service • In network
Commercial • Out of network
Customer’s address
Load more Participant’s Review status of the Commercial
records to the name Customer completed by Visa
screen view Compliance: * Only Visa can enable a Commercial Customer to begin
• Enabled* sending or receiving payments. This is required to allow Visa
* W
 ithin the Visa B2B Connect service, Company refers to • Pending compliance Compliance to screen Commercial Customers and approve
a Participant’s Commercial Customer. them for participation in the service.
• Disabled

11 Visa Confidential Visa B2B Connect User Guide

Companies tab | Adding a Commercial Customer
Step 1 Step 2 Step 3
Company* profile Account information Remittance and reconciliation
Field name Description Field name Description Field name Description

Corporate legal name** The complete legal name for the
enrolling Commercial Customer.
Address** The complete address for the
enrolling Commercial Customer.
Doing business as The alternative name the enrolling
(DBA)** Commercial Customer operates
under.
Tax ID** The enrolling Commercial
Customer’s local tax ID.
Business registration The enrolling Commercial
number** Customer’s business registration
number.
Industry** The enrolling Commercial
Customer’s industry category.
Company reference ID The company reference ID used
by the Participant to identify the
enrolling Commercial Customer.
Default currency** The enrolling Commercial
Customer’s default currency. This
will be the same as the Participant’s
settlement currency.
SWIFT Legal Entity The enrolling Commercial
Identifier (LEI) Customer’s Legal Entity Identifier
(LEI) assigned by SWIFT.
One of the following group is required:
Bank account number The enrolling customer’s Participant
bank account number.
Bank routing number The enrolling Commercial
Customer’s Participant routing
number.
International Bank The enrolling Commercial
Account Number (IBAN) Customer’s IBAN number.
Clave Bancaria The enrolling Commercial
Estandarizada (CLABE) Customer’s CLABE number.
Delivery method The delivery method for remittance
information.
Payment recipient email The payment recipient’s email
address.
Attachment format The format of the remittance data
sent to recipient.
Frequency The frequency with which the data is
sent to the recipient.
Delivery method The delivery method for
reconciliation information.
Payment recipient email The payment recipient’s email
address.
Attachment format The format of the reconciliation data
sent to the recipient.
Frequency The frequency with which the data is
sent to the recipient.

*W
 ithin the Visa B2B Connect service, Company refers
to a Participant’s Commercial Customer.

** indicates required field

12 Visa Confidential Visa B2B Connect User Guide

Companies tab | Adding a company... continued
Step 4 Step 5
Ownership information Transaction limits
A Commercial Customer can have multiple
Field name Description
entity and/or individual owners which can be
updated on this page.
Single transaction Single transaction limit amount to be applied to the enrolling
Field name Description Commercial Customer.
Daily transaction volume Daily aggregate transaction volume limit amount to be applied to the
enrolling Commercial Customer.
Individual* An individual non-corporate owner (if greater than 25% ownership
stake).
Full name* The complete name (prefix, first (M), middle, last (M), suffix) of an
individual with 25% or greater ownership stake in the enrolling
Step 6
Commercial Customer. Blocked countries
Nationality* The nationality of the individual.

Country of residence* The country of residence of the individual. Field name Description

Entity* A non-individual owner of the corporation or organization (if greater Select a country and add Countries can be added to restrict the enrolling Commercial
than 25% ownership stake). Customer from sending or receiving transactions with companies in
Entity name* The name of an entity with 25% or greater ownership stake in the those countries.
enrolling Commercial Customer.
Address* The full address of the entity.

Country of business The country of business registration of the entity.

registration*

* indicates required field

13 Visa Confidential Visa B2B Connect User Guide

Companies tab | Bulk upload
The Bulk Upload option lets you upload Required fields for bulk upload
multiple Commercial Customers from an 1. name
external file. 2. acc_num
3. tx_id
Supported file formats 4. buss_id
• TXT 5. street
• CSV 6. city
• XLS 7. st
• XLSX 8. zip
9. def_curr
Step 1
10. ctry
Select Upload File
11. dba
The data on this page
Step 2 12. ind cd
are used for illustration
Does this file have a header? Select Yes or No only and do not reflect
actual Visa data
Step 3
Click on Bulk Upload

Step 4
Search for file and select OK

Step 5
Verify that Commercial Customers have uploaded
successfully

Example data file

14 Visa Confidential Visa B2B Connect User Guide

Global Settings tab

The data on this page

are used for illustration
only and do not reflect
actual Visa data

1 4 7

2 5

3 6

1 3 5 7

View and edit Daily Transaction Volume Bank Supported Currencies

For Participants, you can setup transaction limits in
your local currency which will be the default settings
for your enrolled Commercial Customers.
If there is a need to provide customized transaction
limits for individual Commercial Customers, they can
be adjusted as part of the individual Commercial
Customer setup.
2 Blocked Countries
Single Transaction
The maximum amount of funds that can be
exchanged in one transaction. The transaction limit
is set by the Participant.
Note: The value entered into the single transaction field
cannot exceed the global level transaction limits.
The maximum amount of funds that can be Section that lists the blocked countries at the bank Section that lists the settlement funding currencies
exchanged across all transactions each day. The level that have been added by the Participant. that have been established in the Visa B2B connect
transaction limit is set by the Participant. platform and provided by your institution. .
Note: The value entered into the daily transaction field 6
cannot exceed the global level transaction limits.
Visa
Section that lists the blocked countries at the global
4
level (Visa).
Participating banks can block additional countries as
Commercial Customers cannot make payments to or needed, on the Visa B2B Connect service based on
receive payments from banks or other entities based the bank’s governance, compliance and risk policies.
in countries on the blocked countries list.
The default blocked countries at the global level
(as determined by Visa) cannot be changed by
Participants. Additional countries can be added to
the blocked countries list at the bank level.

15 Visa Confidential Visa B2B Connect User Guide

Bank Profile tab

Settlement account
A view of the settlement accounts the Participant has chosen
1 2 to set up, by currency, for the Visa B2B Connect Service (active
and inactive accounts).

Payment notification emails

If a Participant wants to receive payment notification emails,
these can be setup in the bank profile. Notifications can be
sent to the bank admin as long as the email is set up in the
3 profile.
• Frequency – choices include Upon Payment or Every Day
• Alternative email

Bank details
Provides Participant with settings in the Visa B2B Connect
Service
• Bank Name
• Bank ID (BID) – Visa B2B Connect enterprise ID and Visa BID
• BIC
• Local currency
• Region
• Address
• Participant mode
• Participant category

The data on this page

are used for illustration
only and do not reflect
actual Visa data

16 Visa Confidential Visa B2B Connect User Guide

Appendix 1 | Report formats
Payments reports (incoming Compliance
and outgoing) reports
Available fields Available fields
Reports can be downloaded in PDF, CSV and
1. DateTime 1. Originating_Bank_Name
Microsoft Excel formats from the Payments tab and
2. Payment_ID 2. Originating_Bank_Address
the Companies tab by clicking on the icon above. 3. Payment_From 3. Originating_Bank_Country
These are the available fields: 4. Payment_To 4. Originating_Company_Name
5. Bank 5. Originating_Company_Address
6. Paid_Amount 6. Originating_Company_Country
7. Currency_Code 7. Originating_Company_EnterpriseID
8. Status 8. Originating_Company_TaxID
9. Type 9. Originating_Company_BusRegID
10. SendingBankAmount 10. Recipient_Bank_Name
11. SendingBankCurrencyCode 11. Recipient_Bank_Address
12. SendingReceivingBankFxRate 12. Recipient_Bank_Country
13. ReceivingBankAmount 13. Recipient_Company_Name
14. ReceivingBankCurrencyCode 14. Recipient_Company_Address
15. ReceivingBnkToCorpFxRate 15. Recipient_Company_Country
16. ReceivingCorpAmount 16. Recipient_Company_EnterpriseID
17. Recipient_Company_TaxID
18. Recipient_Company_BusRegID
19. Payment_ID
20. Payment_Amt
21. Currency
22. DateTime
23. Status
24. Expected_Settlement_Date
25. Actual_Settlement_Date
26. Type

17 Visa Confidential Visa B2B Connect User Guide

Appendix 2 | Audit tab

The Audit tab will allow Participants to monitor their

API and file base activity. More information is below
on the functionalities.

File Management
This tab will show files that are sent
to and received by the Participant
through Visa B2B Connect.

API Activity
This log will show the Participant’s API
activity within Visa B2B Connect. It will
display requests and responses for all
API requests. Click on item to drill down
into the message to see the details of
the payment and the success or failure
response.

The data on this page

are used for illustration
only and do not reflect
actual Visa data

18 Visa Confidential Visa B2B Connect User Guide