Visa Acceptance Solutions for WooCommerce

The Visa Platform Connect API provides the field issuerInformation.discretionaryData (also mapped as processingInformation.issuer.discretionaryData, issuer_additional_data, or issuer_additionalData depending on the API flavor).

This field is used by Visa and Mastercard to enable issuer-funded installment payments. Currently, the plugin does not expose any option to populate this field, which prevents merchants from supporting installment plans in markets where this is required (e.g. Visa Guatemala, VisaNet Uruguay, Mastercard Taiwan, etc.).

Why it matters

Installment payments are common in several LATAM and APAC markets.

Without support for issuerInformation.discretionaryData, merchants cannot comply with local installment requirements and risk declined transactions.

Supporting this field would allow merchants to configure and send the correct format according to issuer/acquirer specifications.

References

API Documentation: issuerInformation.discretionaryData

Example formats:

Visa Guatemala: VC10000000050000 (prefix, number of installments, total amount).

VisaNet Uruguay: includes plan type, grace period, identity document, financial inclusion law indicator, etc.

Mastercard Taiwan: includes installment transaction indicator, period number, down payment, etc.

Proposed solution

Add plugin settings to allow merchants to enable and configure installments.

Map the configured installment data into the issuerInformation.discretionaryData field when creating the payment request.

Ensure validation and formatting according to issuer/acquirer requirements.

Expected result

Merchants can process transactions with installments correctly for Visa and Mastercard via the Visa Platform Connect processor, ensuring compliance with issuer specifications.

Reference: https://developer.cybersource.com/docs/cybs/en-us/api-fields/reference/all/rest/api-fields/issuer-info-aa/issuer-info-discretionary-data.html