This API is a secure and efficient way to pay and be paid using mobile phones. mVisa enables a range of payment use cases and is technology agnostic-leveraging evolving POS environment such as QR codes and works on both smart or feature phones. Visa Direct uses the push payment capability that enables clients and consumers, a way to send money to over one billion eligible Visa accounts. This can be funded from; merchants, government entities and corporations. It allows you to push payments to disburse such things as tax refunds, insurance claims, rebates, affiliate and more.