Visa Intelligent Data Exchange (IDX)

Visa Intelligent Data Exchange (IDX) is a Visa solution for sharing data in card-not-present (CNP) transactions.

Third-party data providers send additional data to Visa, which then forwards this data to issuers separately. Issuers use this data for risk analysis and authorization decisions. These data points are identified through the IDX key, sent by the merchant when creating a credit card payment. The goal is to improve issuers’ risk analysis without adding friction for the cardholder.

To send the IDX key, fill in the ExternalAuthentication node as follows:

{
  "Payment": {
    "ExternalAuthentication": {
      "Eci": 7,
      "Cavv": "IDX key"
    }
  }
}

Payment.ExternalAuthentication.Eci: send with value "7", indicating external authentication;
Payment.ExternalAuthentication.Cavv: insert the IDX key provided by the data provider.

ℹ️

Visa’s IDX service does not work together with 3DS authentication; you must choose one authentication method.

The IDX service is not available for sandbox transactions.

The IDX service is exclusive to transactions with Visa card brand.

To use IDX, you must contract the service with Visa and work with a third-party data provider that is part of the program.

Learn more about the service in the Visa documentation.

Example of request with IDX key

{
  "Customer": {
    "Name": "Aline de Souza",
    "Identity": "12345678909",
    "IdentityType": "CPF",
    "Email": "[email protected]",
    "Birthdate": "1990-01-01",
    "IpAddress": "127.0.0.1"
  },
  "Payment": {
    "Capture": true,
    "Authenticate": false,
    "Recurrent": false,
    "DoSplit": false,
    "CreditCard": {
      "SaveCard": "false",
      "CardNumber": "4091688625337641",
      "Holder": "Aline de Souza",
      "ExpirationDate": "12/2035",
      "SecurityCode": "333",
      "Brand": "Visa",
      "Alias": ""
    },
    "Credentials": {
      "Code": "9999999",
      "Key": "D8888888",
      "Password": "LOJA9999999",
      "Username": "#Braspag2018@NOMEDALOJA#",
      "Signature": "001"
    },
    "ExtraDataCollection": [
      {
        "Name": "NomeDoCampo",
        "Value": "ValorDoCampo"
      }
    ],
    "ExternalAuthentication": {
      "Eci": "7",
      "Cavv": "IDXkey"
    },
    "Provider": "Simulado",
    "Type": "CreditCard",
    "Amount": 10000,
    "Country": "BRA",
    "Installments": 1,
    "Interest": "ByMerchant",
    "SoftDescriptor": "LojaTeste",
    "Tip": false
  },
  "MerchantOrderId": "2017051001"
}

The parameters influenced by IDX are:

Parameters	Description
`Payment.ExternalAuthentication.Eci`	Send the field with value "7", indicating external authentication.
`Payment.ExternalAuthentication.Cavv`	Send your IDX key.

Example of response with IDX key

{
  "MerchantOrderId": "2017051001",
  "Customer": {
    "Name": "Aline de Souza",
    "Identity": "12345678909",
    "IdentityType": "CPF",
    "Email": "[email protected]",
    "Birthdate": "1990-01-01",
    "IpAddress": "127.0.0.1"
  },
  "Payment": {
    "ServiceTaxAmount": 0,
    "Installments": 1,
    "Interest": "ByMerchant",
    "Capture": true,
    "Authenticate": false,
    "Recurrent": false,
    "CreditCard": {
      "CardNumber": "409168******7641",
      "Holder": "Aline de Souza",
      "ExpirationDate": "12/2035",
      "SaveCard": false,
      "Alias": "",
      "Brand": "Visa"
    },
    "AcquirerTransactionId": "0107050229369",
    "SoftDescriptor": "LojaTeste",
    "SentOrderId": "2026010717022906CA45",
    "ExternalAuthentication": {
      "Cavv": "IDXkey",
      "Eci": "7"
    },
    "Credentials": {
      "Code": "9999999",
      "Key": "D8888888",
      "Password": "LOJA9999999",
      "Signature": "001",
      "Username": "#Braspag2018@NOMEDALOJA#"
    },
    "DoSplit": false,
    "Tip": false,
    "PaymentId": "02d18cdc-4089-45ca-8888-5225c6537d9c",
    "Type": "CreditCard",
    "Amount": 10000,
    "ReceivedDate": "2026-01-07 17:02:29",
    "Currency": "BRL",
    "Country": "BRA",
    "Provider": "Simulado",
    "ExtraDataCollection": [
      {
        "Name": "NomeDoCampo",
        "Value": "ValorDoCampo"
      }
    ],
    "ReasonCode": 0,
    "ReasonMessage": "Successful",
    "Status": 2,
    "ProviderReturnCode": "6",
    "ProviderReturnMessage": "Operation Successful",
    "Links": [
      {
        "Method": "GET",
        "Rel": "self",
        "Href": "https://apiquerysandbox.braspag.com.br/v2/sales/02d18cdc-4089-45ca-8888-5225c6537d9c"
      }
    ]
  }
}