> ## Documentation Index
> Fetch the complete documentation index at: https://www.marqeta.com/docs/llms.txt
> Use this file to discover all available pages before exploring further.

# Retrieve user data for Click to Pay for Visa

> Use this endpoint to get user data for Click to Pay for Visa.

GET/digitalwallets/clicktopay/visa/getdata/\{user\_token}

Use this endpoint to get user data for Click to Pay for Visa.

For more information about this e-commerce checkout solution, see [Click to Pay](https://www.marqeta.com/docs/developer-guides/digital-wallets-and-tokenization.md#_click_to_pay).

## Header parameter

| Fields | Description |
| - | - |
| req-sys-id string  Required | Identifier generated by the card program. These identifiers are used for troubleshooting requests between the card program and Marqeta. **Allowable Values:**  36 char max |
| external-consumer-id-owner-bid string  Required | Visa Business Identifier (BID) of the entity that owns the `externalConsumerID`. **Allowable Values:**  1–8 chars |

## URL path parameters

| Fields | Description |
| - | - |
| user\_token string  Required | Unique identifier of the cardholder. **Allowable Values:**  Existing Visa Click To Pay User Token |

## Response body

| Fields | Description |
| - | - |
| data array of objects  Returned | Array of objects containing information of a Visa Click to Pay cardholder **Allowable Values:**  Valid array of data objects |
| data\[].**intent** object  Returned | Intent of the Visa Click to Pay operation. **Allowable Values:**  `type`, `value` |
| data\[].intent.**type** string  Returned | Type of the operation. **Allowable Values:**  `PRODUCT_CODE` |
| data\[].intent.**value** string  Returned | Value of the operation. **Allowable Values:**  `CLICK_TO_PAY` |
| data\[].**consumerInformation** object  Returned | Object containing cardholder details for Visa Click to Pay operation. **Allowable Values:**  `externalConsumerID`, `externalConsumerIDOwnerBID`, `firstName`, `middleName`, `lastName`, `phones`, `emails`, `locale`, `countryCode`, `status`, `nationalIdentifiers`, `consent` |
| data\[].consumerInformation.**externalConsumerID** string  Returned | Unique identifier of the cardholder. **Allowable Values:**  `externalConsumerID` |
| data\[].consumerInformation.**externalConsumerIDOwnerBID** string  Conditionally returned | Visa Business Identifier (BID) of the entity that owns the `externalConsumerID`. **Allowable Values:**  1–8 chars |
| data\[].consumerInformation.**firstName** string  Returned | First name of the cardholder. **Allowable Values:**  `firstName` |
| data\[].consumerInformation.**middleName** string  Conditionally returned | Middle name of the cardholder. **Allowable Values:**  `middleName` |
| data\[].consumerInformation.**lastName** string  Returned | Last name of the cardholder. **Allowable Values:**  `lastName` |
| data\[].consumerInformation.**phones** array of strings  Returned | Phone numbers of the cardholder. **Allowable Values:**  Array of valid phone numbers |
| data\[].consumerInformation.**emails** array of strings  Returned | Email addresses of the cardholder. **Allowable Values:**  Array of valid email addresses |
| data\[].consumerInformation.**locale** string  Returned | Language and country in which the Visa Click to Pay service communicates with the cardholder, in ISO-639-1 format. **Allowable Values:**  `locale` |
| data\[].consumerInformation.**countryCode** string  Returned | Country code of the cardholder. **Allowable Values:**  `countryCode` |
| data\[].consumerInformation.**status** string  Conditionally returned | Status of the cardholder. **Allowable Values:**  `ACTIVE`, `DISABLED` |
| data\[].consumerInformation.**nationalIdentifiers** array of objects  Conditionally returned | National identifiers of the cardholder. **Allowable Values:**  1–5 `nationalIdentifiers` objects |
| data\[].consumerInformation.nationalIdentifiers\[].**type** string  Returned | Type of the national identifier. **Allowable Values:**  `PASSPORT`, `DRIVING_LICENSE`, `NATIONAL_IDENTITY` |
| data\[].consumerInformation.nationalIdentifiers\[].**value** string  Returned | Identification number of the cardholder. **Allowable Values:**  1–24 chars |
| data\[].consumerInformation.**consent** object  Conditionally returned | Consent details. **Allowable Values:**  `timeOfConsent`, `presenter`, `version` |
| data\[].consumerInformation.consent.**timeOfConsent** string  Returned | Date and time from which the consent is valid. **Allowable Values:**  Format: `YYYY-MM-DDThh:mm:ss.000Z` |
| data\[].consumerInformation.consent.**presenter** string  Conditionally returned | Name of the entity that presents the consent to the cardholder. **Allowable Values:**  1–30 chars |
| data\[].consumerInformation.consent.**version** string  Conditionally returned | Specific version of the terms and conditions that the cardholder accepts. **Allowable Values:**  1–9 chars |
| data\[].**paymentInstruments** array of objects  Returned | Array of objects containing details of payment instruments for Visa Click to Pay. **Allowable Values:**  `type`, `accountNumber`, `nameOnCard`, `cardType`, `issuerName`, `expirationDate`, `tokenDetails`, `paymentAccountReference`, `panReferenceID`, `billingAddress`, `status` |
| data\[].paymentInstruments\[].**type** string  Conditionally returned | Type of the payment instrument. **Allowable Values:**  `CARD` |
| data\[].paymentInstruments\[].**accountNumber** string  Conditionally returned | Masked account number of the payment instrument. **Allowable Values:**  16–19 chars |
| data\[].paymentInstruments\[].**nameOnCard** string  Conditionally returned | Name on the card. **Allowable Values:**  1–120 chars |
| data\[].paymentInstruments\[].**cardType** string  Conditionally returned | Card type description. **Allowable Values:**  1–70 chars |
| data\[].paymentInstruments\[].**issuerName** string  Conditionally returned | Name of the card issuer. **Allowable Values:**  1–150 chars |
| data\[].paymentInstruments\[].**expirationDate** string  Conditionally returned | Date of the expiration in the format YYYY-MM. **Allowable Values:**  7 chars |
| data\[].paymentInstruments\[].**tokenDetails** object  Conditionally returned | **Allowable Values:**  `tokenReferenceID`, `tokenRequestorID` |
| data\[].paymentInstruments\[].tokenDetails.**tokenReferenceID** string  Returned | Unique reference identifier for the token. **Allowable Values:**  1–50 chars |
| data\[].paymentInstruments\[].tokenDetails.**tokenRequestorID** string  Returned | Unique token requestor identifier. **Allowable Values:**  1–11 chars |
| data\[].paymentInstruments\[].**paymentAccountReference** string  Conditionally returned | Reference of the payment account. **Allowable Values:**  29–50 chars |
| data\[].paymentInstruments\[].**panReferenceID** string  Conditionally returned | Unique identifier for the card. **Allowable Values:**  1–32 chars |
| data\[].paymentInstruments\[].**billingAddress** object  Conditionally returned | Billing address for Visa Click to Pay. **Allowable Values:**  `addressLine1`, `addressLine2`, `addressLine3`, `city`, `state`, `country`, `postalCode` |
| data\[].paymentInstruments\[].billingAddress.**addressLine1** string  Returned | First line of the billing address. **Allowable Values:**  1–64 chars |
| data\[].paymentInstruments\[].billingAddress.**addressLine2** string  Conditionally returned | Optional second line of the billing address. **Allowable Values:**  1–64 chars |
| data\[].paymentInstruments\[].billingAddress.**addressLine3** string  Conditionally returned | Optional third line of the billing address. **Allowable Values:**  1–64 chars |
| data\[].paymentInstruments\[].billingAddress.**city** string  Returned | City of the billing address. **Allowable Values:**  1–32 chars |
| data\[].paymentInstruments\[].billingAddress.**state** string  Returned | State of the billing address. **Allowable Values:**  1–3 chars |
| data\[].paymentInstruments\[].billingAddress.**country** string  Returned | Country of the billing address. **Allowable Values:**  3 chars |
| data\[].paymentInstruments\[].billingAddress.**postalCode** string  Returned | Postal code of the billing address. **Allowable Values:**  1–9 chars |
| data\[].paymentInstruments\[].**status** string  Conditionally returned | Status of the payment instrument. **Allowable Values:**  `ACTIVE`, `INACTIVE`, `SUSPENDED`, `DELETED` |

## Sample response body

```json JSON expandable lines wrap theme={null}
{
  "data": [
    {
      "intent": {
        "type": "PRODUCT_CODE",
        "value": "CLICK_TO_PAY"
      },
      "paymentInstruments": [
        {
          "type": "CARD",
          "status": "ACTIVE",
          "cardType": "Visa Platinum",
          "issuerName": "Bank A",
          "nameOnCard": "John Doe",
          "tokenDetails": {
            "tokenReferenceID": "hflasdhflsdkfhoin3y038yfwn",
            "tokenRequestorID": "1234567890"
          },
          "accountNumber": "4111111145551140",
          "billingAddress": {
            "city": "San Francisco",
            "state": "CA",
            "country": "USA",
            "postalCode": "94105",
            "addressLine1": "1000 Market Street",
            "addressLine2": "Building 56",
            "addressLine3": "Suite 101"
          },
          "expirationDate": "2030-01",
          "panReferenceID": "alikbndesfiluwbn1342fs",
          "paymentAccountReference": "paymentAccountReferenceValues"
        }
      ],
      "consumerInformation": {
        "emails": [
          "alex123@hotmail.com"
        ],
        "locale": "en_US",
        "phones": [
          "16504005555"
        ],
        "status": "ACTIVE",
        "consent": {
          "version": "1.0",
          "presenter": "Bank A",
          "timeOfConsent": "2026-05-05T12:12:12.000Z"
        },
        "lastName": "Miller",
        "firstName": "Alex",
        "middleName": "Robert",
        "countryCode": "USA",
        "externalConsumerID": "63421837-d597-4f0f-89e4-930c1a7b9e85",
        "nationalIdentifiers": [
          {
            "type": "PASSPORT",
            "value": "A123456"
          }
        ]
      }
    }
  ]
}
```


## Related topics

- [Click to Pay for Visa Overview](https://www.marqeta.com/docs/core-api/digital-wallets-management/click-to-pay-visa.md)
- [Digital Wallets Management Overview](https://www.marqeta.com/docs/core-api/digital-wallets-management.md)
- [Issuing and Processing Release Notes](https://www.marqeta.com/docs/developer-guides/release-notes.md)
- [Retrieve Click to Pay for Visa request status](https://www.marqeta.com/docs/core-api/digital-wallets-management/click-to-pay-visa/retrieve-click-pay-visa-request-status.md)
- [Enroll a cardholder to Click to Pay for Visa](https://www.marqeta.com/docs/core-api/digital-wallets-management/click-to-pay-visa/enroll-cardholder-click-pay-visa.md)