Banks are still the gatekeepers of this network. Unless you've negotiated deals with VISA partner banks, these APIs are pretty much useless. Companies like Marqueta on the issuer side and Stripe on the acquirer side have relationships with banks that let them move money from your VISA cards. (And even in ACH land, which is lightyears behind the card companies, SynapsePay for example has a bank partner who provides a license for their charter).
Don't think you're gonna be able to write a script to move money from your credit card to your friend. This is still a tightly controlled network of banks. If you're looking to innovate in the payments space, take a look at Bitcoin and other digital currencies.
Don't think you're gonna be able to write a script to move money from your credit card to your friend. This is still a tightly controlled network of banks. If you're looking to innovate in the payments space, take a look at Bitcoin and other digital currencies.