Visa Digital Enablement SDK Product Terms

\ Start a Project](https://developer.visa.com/portal/#users/new) \ API Overview](https://developer.visa.com/capabilities/visa-digital-enablement-sdk)

Navigate to...

keyboard_arrow_down

Visa Digital Enablement SDK Product Terms

December 15, 2025

Visa Member (Visa credentials)
Non-Visa Member (Visa credentials)
Visa Member (non-Visa credentials)
Non-Visa Member (non-Visa credentials)

Visa Member (Visa credentials) Non-Visa Member (Visa credentials)Visa Member (non-Visa credentials)Non-Visa Member (non-Visa credentials)

Terms (Bahasa Indonesia Version)

As used herein, “Company” shall be understood to refer to You. If You are a Visa Member, the following Visa Product Terms apply to You:

General Terms

For the purposes of the Visa Digital Enablement SDK (also referred to as “SDK”), references in the Agreement (other than in this Section) to access to and use of an “API” or “APIs” mean to download, access and use the SDK or SDK/s in general.
Company’s access and use of the Visa Digital Enablement SDK capabilities is subject to the Visa Digital Enablement SDK Service Description and Technical Implementation Guide, as well as Company’s compliance with the Visa Rules.
Modification of SDK. Visa may modify any of the SDK capabilities, features or functionalities as described in the Digital Enablement SDK Service Description upon 30 days written notice to Company, for which email or VBN (Visa Business News) will suffice.
Company may access and use the Visa Digital Enablement SDK capabilities only for card accounts which have undergone and passed customer verification (KYC), following appropriate Cardholder and/or authorized user authentication and, if applicable, with such partners that have undergone and passed OFAC checks. Company will also obtain all Cardholder consents and provide all Cardholder notifications necessary, or provide such notifications or applicable terms to Visa for display to the Cardholder on Company’s behalf and make the appropriate display, notification and consent choices for a Visa provided user interface, if applicable, in order to provide Visa with the relevant Card and Cardholder data and enable Visa to perform its obligations under the Agreement in accordance with the Rules and applicable law.
Future SDK Services Functionality. Visa may agree to offer optional additional SDK capabilities, features or functionalities to Company in the future. Such future SDK capabilities may, in Visa’s sole discretion, require mutually executing additional amendments to the Agreement and may be subject to additional pricing, terms, third party agreements, as well as host/processor/issuer considerations which, if applicable, may be addressed in the additional amendments and/or future versions of the SDK Service Description.
Company may not modify the Visa Digital Enablement SDK or decipher, translate or access the source code of the Visa Digital Enablement SDK and any of it’s supported capabilities, features or functionalities.
Company will not share or provide access to the Visa Digital Enablement SDK or any components of it with any of its vendors, suppliers, agents, technology providers or other third parties, unless approved by Visa in the form of a Third Party Technology Provider Schedule or Addendum to this Agreement.
Company will implement any standard updates or upgrades to the Visa Digital Enablement SDK within 12 months of the respective release. In addition, Company may be asked to update the Visa Digital Enablement SDK within a short time period due an emergency update related to security or third party modification which could negatively impact the use of the SDK. Such emergency updates should be applied as soon as possible or within the time frames provided by Visa. Visa reserves the right to suspend support of prior versions of the Visa Digital Enablement SDK and Visa will discontinue support for versions which have been updated or upgraded 12 months after the update or upgrade.
Company is responsible for supporting the end users of its Application and Visa disclaims any and all liability with respect to Company’s end users. The aforementioned applies, but is not limited to use cases in which Visa may display a user interface to, send information to or receive information from the end user on Company’s behalf as part of the selected Services under the Agreement.
Visa reserves the right to schedule maintenance windows with advanced notification during which the Visa Digital Enablement SDK capabilities will not be available.
Company acknowledges and agrees that several of the capabilities enabled through the Visa Digital Enablement SDK depend on the actions and input by third parties, such as the relevant digital wallets or other third party end points, both with respect to timeliness and data accuracy. Visa does not have insight into or control over such third party actions and input and disclaims any and all liability.
Visa will begin billing Company for Visa Digital Enablement SDK fees commencing on (i) the day Company initiates SDK calls in production based on the Visa Digital Enablement SDK or (ii) 30 days following the Production Live Date, whichever comes first, except for one time implementation Setup Fees, which shall become due on the Production Live Date. For purposes of this Section, “Production Live Date” is defined as the date when Visa enables Company to initiate SDK calls in production based on the Visa Digital Enablement SDK by providing Company with the relevant signature secret and the encryption secret.
Company’s authorization to optionally access and use the Visa Universal Card Enrollment API is limited to the purpose of enrolling Company’s cardholder accounts participating in the Company’s program within the relevant Card Portfolios/BIN Ranges by requesting a universal card identifier.

Additional Capability Specific Terms

Subscription Manager :

The SDK’s Subscription Manager offering is comprised of two components: (i) Visa Stop Payment Services and (ii) Card-On-File Data Inquiry.
Company is responsible for all cardholder terms, notifications and consents to enable the respective Subscription Manager capabilities in accordance with the Rules and applicable law.
Company’s right to use the Visa Stop Payment Services (VSPS) API through the SDK hereunder is limited to subscription payments only and is further subject to Company’s ongoing participation in VSPS and completion of all applicable enrollment documentation required by Visa. Without limiting any other VSPS requirement as set forth in the Rules, Company understands that usage of VSPS does not remove any obligation of the Cardholder to meet payment terms or any other agreement with the merchant, including but not limited to informing the merchant the Cardholder wishes to cancel the respective service. Company further understands that the Cardholder may directly provide stop instructions to Visa through the user interface that Visa may provide on Company’s behalf and Company agrees to enable this process by taking full responsibility for providing the appropriate Cardholder terms of use, obtaining the appropriate consents and providing the appropriate notifications as required under applicable law.
The following terms also apply to the use of Visa Stop Payment Services: Visa Stop Payment Service Terms
For the use of the Card on File Data Inquiry through the SDK hereunder, certain functionality may require participation in other programs. For example, if Company is participating in only one of either the Visa Token Services or the Visa Account Updater, Company understands that its experience with the Card on File Data Inquiry capability will be limited to such participation.
The following terms also apply to the use of Use of Card on File Data Inquiry services: Card-On-File Data Inquiry Product Terms
In order to use Token Lifecycle Management API hereunder, Company needs to be a current participant in Visa Token Services.

Enhanced Subscription Manager :

The SDK’s Enhanced Subscription Manager offering is comprised of three components: (i) Visa Stop Payment Services; (ii) Card-On-File Data Inquiry; and (iii) Supplier Provided Functionality.
“Supplier Provided Functionality” means functionality made available via third‑party suppliers engaged by Visa and integrated into the SDK, which may be changed, replaced, or discontinued from time to time at Visa’s discretion. To avoid doubt, portions of the Enhanced Subscription Manager offering rely on Supplier Provided Functionality.
Company acknowledges that Visa does not control such Supplier Provided Functionality and/or any other third‑party services and that the availability, accuracy, or performance of subscription cancellation, card switching, or related Supplier Provided Functionality may be impacted by third‑party service interruptions, errors, or changes. Company further acknowledges Visa does not control that certain Supplier Provided Functionality may require Cardholders to agree to a third-party supplier’s terms of use and privacy policy, which will be presented to Cardholders within the SDK’s Enhanced Subscription Manager as a condition of using such functionality. Such third-party supplier independently Processes Personal Information from Cardholders under supplier’s own terms of use and privacy policy, separate from and not on behalf of Visa or Company.
Visa is not responsible for such third-party supplier’s independent collection or Processing of Personal Information via Supplier Provided Functionality. Visa shall have no liability for failures, delays, or errors, or data processing attributable to third‑party supplier services, merchant systems, or merchant authentication processes.
Company is responsible for all cardholder terms, notifications and consents to enable the respective Enhanced Subscription Manager capabilities in accordance with the Rules and Applicable Law. Without limiting the foregoing, Company acknowledges that its use of the Enhanced Subscription Manager may involve the collection of Cardholder Personal Information by a third-party supplier under such supplier’s own terms of use and privacy policy, and Company remains responsible for whether its own privacy notices and disclosures to Cardholders account for such third-party collection, including any disclosures required under Applicable Law.
The following terms apply to the use of Visa Stop Payment Services API through the Enhanced Subscription Manager offering: Visa Stop Payment Service Terms.
Company further understands that the Cardholder may directly provide stop instructions to Visa through the user interface that Visa may provide on Company’s behalf and Company agrees to enable this process by taking full responsibility for providing the appropriate Cardholder terms of use, obtaining the appropriate consents and providing the appropriate notifications as required under Applicable Law.
The following terms also apply to the use of Card on File Data Inquiry services: Card-On-File Data Inquiry Product Terms.
For the use of the Card on File Data Inquiry through the SDK hereunder, certain functionality may require participation in other programs. For example, if Company is participating in only one of either the Visa Token Services or the Visa Account Updater, Company understands that its experience with the Card on File Data Inquiry capability will be limited to such participation.
Visa provides the Enhanced Subscription Manager functionality solely as a technical enablement service. Visa does not (i) authenticate cardholders; (ii) act on behalf of, or as agent for, any merchant; (iii) modify, terminate, or enforce any subscription agreement between a cardholder and a merchant; or (iv) guarantee the outcome, timing, or completeness of any subscription cancellation, payment method switch, or related action.
Company acknowledges that subscription cancellation and payment method switching are subject to merchant eligibility, merchant systems, merchant terms and conditions, and merchant processing timelines.
Visa does not represent or warrant that any subscription will be canceled, that charges will cease immediately (or at all), or that a payment method switch will be reflected in merchant systems without delay.
Company is solely responsible for ensuring that cardholders are informed that additional charges, fees, or obligations may remain due under the merchant’s terms following use of the Enhanced Subscription Manager.

Cardholder Identity Verification:

Company authorizes Visa to verify the identity of a Cardholder on its behalf, using the Cardholder contact information provided or available to Visa using Visa’s OTP verification service or Visa 3-D Secure verification, as specified further in the Documentation.
Company expressly authorizes Visa to use the Cardholder information in the above referenced databases, batch files or other information provided or available to Visa, as applicable, to contact the Cardholder for the purpose of performing Cardholder Identity Verification hereunder on Company’s behalf.
Visa relies on the Cardholder information provided to it through the above alternatives and has no insight or control over its accuracy. Visa assumes no responsibility and is not liable for any inaccuracies and errors related to the Cardholder verification.

Digital Card Display:

Company’s access to and use of the Digital Card Display is subject to Company’s (i) compliance with the Visa Rules, (ii) applicable prior selections in the Customer Information Questionnaire (CIQ) and (iii) compliance with the deliverables regarding CVV2 in accordance with the Documentation.
Company is required to, at a minimum, authenticate Cardholders in compliance with applicable law, including, as applicable, step-up authentication or double authentication.
Company hereby authorizes Visa to display any available Card art (including Company trademarks, service marks, logos, and Company-provided digital Card art) that Company has provided to Visa for use with the SDK.

Visa Push Provisioning:

Push Provisioning to Digital Wallets

Company’s use of this capability is further subject to Company’s (i) current participation in the Visa Token System through an effective VDEP Agreement or an equivalent agreement enabling participation in the Visa Token System and compliance with such agreement, and (ii) active enrollments for those digital wallets or other end points and Issuing Identifier ranges for which Company intends to use the Visa Digital Enablement SDK capabilities, as separately approved by Visa (where such approval may require Company’s attestation of a separate agreement with the respective digital wallet provider, endpoint provider or Visa, an agreement through the Visa Token System, or other requirements, as applicable).
Company’s authorization is limited to the access and use of the Visa Digital Enablement SDK capabilities for the purpose of enabling enrolling Company’s cardholder accounts participating in Company’s program within the relevant Card Portfolios/BIN Ranges by verifying eligibility of the relevant digital wallet and/or to enable provisioning of a token for such cardholder accounts through the relevant digital wallets.

Push Provisioning to Visa Card Enrollment Hub (VCEH) (for use not in connection with Issuer-offered Click to Pay)

Company’s use of this capability is further subject to Company’s (i) current participation in the Visa Token System through an effective VDEP Agreement or an equivalent agreement enabling participation in the Visa Token System and compliance with such agreement, (ii) active enrollments for those digital wallets or other end points and Issuing Identifier ranges for which Company intends to use the Visa Digital Enablement SDK capabilities, as separately approved by Visa (where such approval may require Company’s attestation of a separate agreement with the respective digital wallet provider, endpoint provider or Visa, an agreement through the Visa Token System, or other requirements, as applicable), and (iii) prior execution of a current VCEH addendum to Company’s VDEP or other participation agreement in the Visa Token Service (the “VCEH Addendum”).
For the avoidance of doubt, provisioning into VCEH through the SDK does not relieve Company of any of its obligations under the VCEH Addendum, including but not limited to the relevant end user notification obligations thereunder.

Order Insight Digital:

In response to Your API calls, Visa will attempt to respond with information, if available, obtained from participating merchants and in Visa databases.
If Your API call requests information that is unavailable, cannot be retrieved, or Visa deems such information subject to Trade Restrictions that prevent Visa from sharing such information, Visa will respond confirming such unavailability; provided that, Visa’s response will not note whether any SKU/receipt level information is unavailable.
You may only use data obtained through a call to the OID API in connection with the resolution of a cardholder’s dispute of transactions with that cardholder’s bank cards. You may not use, store or otherwise process such data for any other purpose.
The following terms also apply to the use of Merchant Search API: Merchant Search Product Terms

Visa Transaction Controls:

If You are a Visa Member, see Visa Transaction Controls Product Terms available at https://developer.visa.com/capabilities/vctc/product-terms (as may be modified by Visa from time to time).
You may not use both the VDE SDK with the Visa Transaction Controls feature (“VTC”) and VTC’s APIs simultaneously, except for the Notification Callback API (outbound API from Visa to an Issuer’s endpoint and only available for the headless version of the VTC feature of the VDE SDK). If You are using the Notification Callback API, a separate project is required and is subject to any applicable Visa project fees.
The UI/UX version is only available in North America and Latin America and the Caribbean regions and issuers using the UI/UX version of the VTC feature of the VDE SDK for transaction alerts must use VTC’s notification delivery service.
In addition to the foregoing, please refer to the VDE SDK Visa member (Visa credentials) product-specific billing terms for any information about billing.

Issuer-offered Click to Pay:

Company’s use of the enrollment and lifecycle management capabilities for Issuer-offered Click to Pay described in the Visa Digital Enablement SDK Service Description and Technical Implementation Guide and made available through the Visa Digital Enablement SDK are further subject to the applicable Click to Pay Issuer Requirements – AP Region, Click to Pay Issuer Requirements – CEMEA Region, Click to Pay (CTP) Issuer Requirements – Europe Region, and/or Click to Pay Issuer Requirements – Latin America & Caribbean Region and the Click to Pay Issuer Guide, version 1.0, as updated from time to time.
The Visa Rules require certain Issuers to support Issuer‑offered Click to Pay. Use of the SDK’s enrollment and lifecycle management functionality may assist Company in meeting applicable requirements; however, Company remains solely responsible for full compliance with all Visa Rules governing Issuer‑offered Click to Pay. Further, Company agrees that, notwithstanding the terms of any other agreements Company may have in place with Visa, Visa may store Personal Information in Visa data centers in accordance with the Visa Privacy Notice and applicable Laws.

Visa Payment Passkey:

Please see Visa Payment Passkey Product Terms

Custom Card Art:

The Custom Card Art feature (“CCA”) enables Company to allow its cardholders to view and select from Company‑provided and approved card art made available to Visa by Company via Visa systems, including the Visa Card Metadata Management tool (“VCMM”) (or successor), for display in supported wallet(s)/endpoint(s) through the SDK.
Company shall comply with all applicable VCMM upload, eligibility, and approval requirements as in effect from time to time.
Company’s use of CCA is subject to Company’s (i) current participation in the Visa Token System through an effective VDEP Agreement or an equivalent agreement enabling participation in the Visa Token System and compliance with such agreement, and (ii) active enrollments for those digital wallets or other end points and Issuing Identifier ranges for which Company intends to use the Visa Digital Enablement SDK capabilities, as separately approved by Visa (where such approval may require Company’s attestation of a separate agreement with the respective digital wallet provider, endpoint provider or Visa, an agreement through the Visa Token System, or other requirements, as applicable).
Company hereby authorizes Visa and its Affiliates to retrieve and use any card art, images, designs, trademarks, logos, or related materials submitted or made available by or on behalf of Company in VCMM or any successor system (“Card Art Content”) solely to enable, operate, and support CCA and the Visa Digital Enablement SDK for Company, including to display, render, process, store, transmit, and otherwise technically use such Card Art Content as necessary, and to make it available to Company and Company’s Personnel in connection with CCA.
Company represents and warrants (i) it has all necessary rights and approvals to provide the Card Art Content for the foregoing uses; (ii) that the Card Art Content complies with Applicable Law, the Visa Rules, and applicable wallet/endpoint requirements, and (iii) that the Card Art Content does not infringe or misappropriate any third‑party rights (including Intellectual Property Rights).
Company remains solely responsible for Card Art Content (including any provided by its Personnel (including, without limitation, token requestors/Agents)) and for resolving any disputes relating to Card Art Content as between Company and any of its Personnel.
Visa reserves the right, in its sole discretion and without liability, to disable, remove, or suspend the display of any Card Art Content that Visa reasonably believes violates Applicable Law, the Visa Rules, any third-party rights, or applicable wallet/endpoint requirements, or any compliance processes.

Decline Experience:

Company is solely responsible for all Cardholder‑facing communications relating to the Decline Experiences feature, including providing clear explanations of decline reason codes and any recommended Cardholder actions through Company‑controlled channels. Company must obtain all required Cardholder consents and provide all required disclosures, notices, or terms in connection with enabling this feature, in compliance with Visa Rules and Applicable Law and, exclusively for Brazil, with the General Terms and Conditions applicable to Non-Payment Arrangement Service available in the Visa Access.
Company acknowledges that the Decline Experiences feature is informational only and does not replace, override, or satisfy Company’s fraud monitoring, transaction approval, or regulatory obligations. Company remains solely responsible for managing all transaction declines (including, without limitation, fraud or security related declines) and for coordinating any Decline Experiences notifications with its other customer communications to avoid duplicative, inconsistent, or misleading messaging. Where a decline event triggers Company’s internal fraud or security procedures, Company retains sole discretion over whether and how the Decline Experiences notification is used, and must ensure Cardholders receive appropriate and consistent guidance through Company designated channels.
If Company enables any hyperlink or deep link as part of the Decline Experiences feature, Company is solely responsible for providing and maintaining such link and for all content, functionality, availability, and customer experience of any site, app, or service accessed via that link. Visa does not own or control, and is not responsible or liable for, any Company-controlled destination or its performance, even if accessed through the Visa Digital Enablement SDK.

Visa Digital Experience Hub:

Company acknowledges that the Visa Digital Experiences Hub feature (“Card Hub”) provides Cardholders a single point of access to various card-related services or features, including services or features provided and controlled solely by Company (“Company Features”), as well as services or features enabled on behalf of Company by Visa (“Visa-enabled Features”). Company acknowledges that additional feature-specific terms and Documentation may apply to the functionality of Visa-enabled Features, and/or may require participation in other Visa programs. Company acknowledges that the Processing of Personal Information in connection with Visa-enabled Features is governed exclusively by the applicable terms for the relevant feature.
If Company enables any hyperlink or “deep link” to Company Features as part of the Visa Digital Experiences Hub feature, Company is solely responsible for providing and maintaining such link and for all content, functionality, availability, and customer experience related to such Company Features, including any links or descriptive content provided to Visa for inclusion in the Card Hub (“Company Content”). Visa does not own or control, and is not responsible or liable for, any Company Feature or its performance, even if accessed through the Visa Digital Experiences Hub.
By making Company Content available in connection with the Card Hub, Company hereby authorizes Visa to use and display any available Company Content (including Company trademarks, service marks, logos, feature names, descriptions, and icons) that Company has provided to Visa for use with the Card Hub. Company represents and warrants that it has all rights, licenses, consents, and permissions necessary to grant the foregoing authorization.

Digital Card Sharing:

Company acknowledges and agrees that Visa’s role is limited to providing the technology that enables tokenized card sharing and related controls; Visa does not assume liability for unauthorized transactions, recipient misuse or overspending, or Company’s regulatory or legal obligations. Without limiting the generality of the foregoing:
- Company is solely responsible for determining Cardholder eligibility to use the Digital Card Sharing feature, including verifying and approving recipients prior to enabling shared card access. Company must configure and enforce any applicable age restrictions, eligibility rules, spending limits, and recipient controls through its systems and disclosures, and Visa will not enforce or monitor such restrictions.
- Company acknowledges that Visa does not perform KYC, age verification, sanctions screening, or due diligence on Cardholders or recipients; these are entirely the responsibility of Company. Company must ensure compliance with OFAC regulations and with all applicable Laws, including AML laws and regulations, Reg E, Reg Z, and other sanctions or consumer protection requirements.
- Company is solely responsible for fraud monitoring, transaction authorization decisions, error resolution, chargeback handling, and customer servicing for transactions made using shared digital cards, including transactions initiated by recipients.
- Company is responsible for defining and communicating how disputes, errors, and liability will be handled for shared cards, and Visa will not intervene in Cardholder or recipient disputes.

Terms (Bahasa Indonesia Version)

As used herein, “Company” shall be understood to refer to You. If You are not a Visa Member the following Visa Product Terms apply to You:

General Terms

For purposes of the Visa Digital Enablement SDK (“SDK”), references in these Product Terms and elsewhere in the Agreement to accessing or using an “API” or “APIs” mean downloading, accessing and using the SDK.
Your access to, use, and/or distribution of the Visa Digital Enablement SDK capabilities is subject to the Visa Digital Enablement SDK Service Description and Technical Implementation guide and all other documentation in relation to use thereof as made available, updated, supplemented and amended from time to time by Visa and is limited to actions on behalf of and subject to the Member for which you are an Agent.
Prior to any access and use of the Visa Digital Enablement SDK, You must provide Visa with a written agreement between You and a Visa Member that makes You an Agent for the use of this Visa Product, completed and signed by the Member for which You are an Agent (“Agent Agreement”).
Modification of SDK. Visa may modify any of the SDK capabilities, features or functionalities as described in the Visa Digital Enablement SDK Service Description upon 30 days written notice to You, for which email or VBN (Visa Business Notification) will suffice.
In addition to an Agent Agreement from each Visa Member, Program Managers, Processors, Integrators and Distributors are required to provide Visa with current lists of customers utilizing the SDK along with the respective version number. Visa reserves the right to ask for such updated lists from time to time.
Distributors and Integrators may only provide the SDK to direct customers of the Distributors and Integrators which are Members. Distributors and Integrators shall not resell or provide the SDK to any other entities, including, but not limited to other Distributors or Integrators.

Additional Integrator or Reseller obligations:

Integrator or Reseller shall work directly with Visa in order to make the SDK available to its participating clients and their respective participating cardholders under the terms set forth in the Agreement.
Integrator or Reseller shall provide participating clients with all relevant documentation, FAQ, technical support, implementation and other technical guidelines as reasonably necessary and shall flow down the applicable terms, use restrictions and obligations under the Agreement to the participating clients as if they were You under the Agreement.
Integrator or Reseller must collect and/or ensure the destruction of any documentation which was provided to a participating client of the Distributor or Integrator when the participating client is no longer under contract by the Distributor or Integrator.
Integrator or Reseller shall provide customer service and technical support associated with the SDK including all communication with each participating client and all direct to consumer communications. If a customer service request or technical problem requires additional input from Visa, Distributor or Integrator shall facilitate all communications between Visa and the participating client or consumers. As between Visa and Distributor or Integrator, Distributor or Integrator shall be the party responsible for training all participating clients in connection with the SDK. As between Distributor or Integrator and participating clients, Distributor or Integrator shall serve as the primary contact to Visa for all implementation related issues including those related to the participating clients. You may access and use the Visa Digital Enablement SDK capabilities only for accounts of the Member for which You are an Agent which have undergone and passed customer verification (KYC), following appropriate Cardholder and/or authorized user authentication and, if applicable, with such Issuer Partners which have undergone and passed OFAC checks. Any changes in the Program as specified in the Agent Agreement, including but not limited to a change in Issuer Partners, if applicable, require the submission of an updated signed Agent Agreement prior to any access or use of the Visa Digital Enablement SDK hereunder.
In addition to the terms of this Agreement, You are obligated to comply with all applicable provisions of the Visa Digital Enablement Program (“VDEP”) Agreement of the Member for which You are an Agent, and the Visa Rules as if You were such Member under these terms, as well as with the VisaNet Letter of Agreement, as applicable; provided that, for Issuer Program Managers, Integrators and Issuer Processors, such compliance includes being PCI DSS compliant. For Issuer Partners and Distributors, PCI DSS standards need to be complied with if the Issuer Partner or Distributor has access to Cardholder Information.
You may access and use the Visa Digital Enablement SDK capabilities only for card accounts which have undergone and passed customer verification (KYC), following appropriate Cardholder and/or authorized user authentication and, if applicable, with such partners that have undergone and passed OFAC checks. You, or the Member for which You are an Agent, must obtain all Cardholder consents and provide all Cardholder notifications necessary in order to provide Visa with the relevant Card data and enable Visa to perform its obligations under the Agreement.
Future SDK Services Functionality. Visa may agree to offer optional/additional SDK capabilities, features or functionalities to You or Your Issuers in the future. Such future SDK capabilities may, in Visa’s sole discretion, require mutually executing additional amendments to the Agreement and may be subject to additional pricing, terms, third party agreements, as well as host/processor/issuer considerations which, if applicable, may be addressed in the additional amendments and/or future versions of the Visa Digital Enablement SDK Service Description and Technical Implementation Guide.
You may not modify the Visa Digital Enablement SDK or decipher, translate or access the source code of the Visa Digital Enablement SDK and any of it’s supported capabilities, features or functionalities. Other than in the form of an access grant as a Distributor or Integrator to eligible clients hereunder, You will not share or provide access to the Visa Digital Enablement SDK or any components of it with any of its vendors, suppliers, agents, technology providers or other third parties, including but not limited to resellers or additional program managers, processors or other issuer partners, unless approved by Visa in the form of a Third Party Technology Provider Schedule.
You will implement any standard updates or upgrades to the Visa Digital Enablement SDK within 12 months from the respective release. In addition, You may be asked to update the Visa Digital Enablement SDK within a short time period due an emergency update related to security or third party modification which could negatively impact the use of the SDK. Such emergency updates should be applied as soon as possible or within the time frames provided by Visa. Visa reserves the right to suspend support of prior versions of the Visa Digital Enablement SDK and Visa will discontinue support for versions which have been updated or upgraded 12 months after the update or upgrade.
You are responsible for supporting the end users of its Application, as well as the Member for which You are an Agent, and Visa disclaims any and all liability with respect to Your end users.
Visa reserves the right to schedule maintenance windows with advanced notification during which the Visa Digital Enablement SDK capabilities will not be available.
You acknowledge and agree that several of the capabilities enabled through the Visa Digital Enablement SDK depend on the actions and input by third parties, such as the relevant digital wallets or other third party end points, both with respect to timeliness and data accuracy. Visa does not have insight into or control over such third-party actions and input and disclaims any and all liability.
Visa will begin billing You for Visa Digital Enablement SDK fees commencing on (i) the day You initiate SDK calls in production based on the Visa Digital Enablement SDK or (ii) 30 days following the Production Live Date, whichever comes first, except for one time implementation Setup Fees and BIN Fees, which shall become due on the Production Live Date. For purposes of this Section, “Production Live Date” is defined as the date when Visa enables You to initiate SDK calls in production based on the Visa Digital Enablement SDK by providing You with the relevant signature secret and the encryption secret.
Except in the Visa Asia Pacific Region, our authorization to optionally access and use the Visa Universal Card Enrollment API on behalf of the Member for which You are an Agent, is limited to the purpose of enrolling Your or the Issuer’s cardholder accounts participating in Your or Issuer’s program within the relevant Card Portfolios/BIN Ranges by requesting a universal card identifier.

Additional Capability Specific Terms

Subscription Manager:

Enhanced Subscription Manager:

Visa Digital Card Display:

for Non-Visa Europe Region: If You are not in the Visa Europe Region, the following terms govern Your use of Visa Digital Card Display:

Your access to and use of the Digital Card Display is subject to Your (and, as applicable, the Member for which You are an Agent’s): (i) compliance with the Visa Rules (ii) applicable prior selections in the Customer Information Questionnaire (CIQ) and (iii) compliance with the deliverables regarding CVV2 in accordance with the Documentation.
You and the Member for which You are an Agent, are required to, at a minimum, authenticate Cardholders in compliance with applicable Laws, including, as applicable, step-up authentication or double authentication.
You hereby authorize Visa to display any available Card art (including Your and/or Issuer trademarks, service marks, logos, and digital Card art provided by You) that You have provided to Visa for use with the SDK. You are required to obtain the relevant authorizations and approvals from the Member for which You are an Agent.

for Visa Europe Region: If You are in the Visa Europe Region, the following terms govern Your use of Visa Digital Card Display:

Conditions of API access. Your access to and use of the Visa Digital Card Display is subject to Your (and, as applicable, the Member for which You are an Agent’s (“TPA Member”)): (i) compliance with the Visa Rules; (ii) applicable prior selections in the Customer Information Questionnaire (CIQ); (iii) selections for provision of dCVV2 or CVV2 and its corresponding deliverables in accordance with the Documentation; (iv) in case You choose to use dCVV2, (A) separate and prior enablement of the applicable BIN range, or account range in the dCVV2 service, or instruction by Visa to enroll the entire range, (B) use of the dCVV2 Authenticate API (in case of PAN by PAN enrollment), subject to Your selection of the dCVV2 Authenticate API as a separate API under this Agreement, or ISO 0302 message to enroll individual PANs; and (C) flagging of the relevant BIN or account range as “eligible” for Visa Digital Card Display.
Required checks. You may access and use Visa Digital Card Display only for Visa Card accounts or Card accounts of the third party networks listed in the Documentation that have undergone and passed customer verification (KYC) and, if applicable, with such partners that have undergone and passed OFAC checks. You and Your TPA Member are required to, at a minimum, authenticate Cardholders in compliance with applicable Laws, including, as applicable, step-up authentication or double authentication.
Card art. You hereby authorizes Visa to display any available Card art (including Your and/or Issuer trademarks, service marks, logos, and You-provided digital Card art) that You have provided to Visa for use with the SDK or through its participation in the Visa Token Service when Visa provides the Services hereunder. You are required to obtain from Your TPA Member the relevant authorizations and approvals required by this Section.
Use of Universal Card Enrollment API. Your access to Visa Digital Card Display includes access to and requires use of the Visa Universal Card Enrollment API, which You may call only for the purpose of enrolling Your Cardholder accounts participating in the Your program by requesting a universal card identifier for each relevant Card. Your rights to use the Universal Card Enrollment API granted in connection with other Services under this Agreement remain unaffected.

Visa Push Provisioning:

Push Provisioning to Digital Wallets:

Conditions of API access. Your use of this capability is further subject to the Visa Member for which you are an Agent (“TPA Member”) (i) being a current participant in the Visa Token Service through an effective VDEP Agreement or an equivalent agreement enabling participation in the Visa Token System and (ii) having active enrollments for those digital wallets, other endpoints and Issuing Identifier ranges for which You intend to use the Visa Digital Enablement SDK capabilities, as separately approved by Visa (where such approval may require Issuer’s attestation of a separate agreement with the respective digital wallet provider, an agreement through the Visa Token Service, or other requirements, as applicable).
Authorized scope. Your authorization is limited to the access and use of the Visa Digital Enablement SDK capabilities in Your role as an Issuer Program Manager, Issuer Processor, Integrator, Distributor and/or an Issuer Partner, in each case to enroll or allow the Issuer to enroll Issuer cardholder accounts participating in the Program within the relevant Card Portfolios/BIN Ranges by verifying eligibility of the relevant digital wallet and/or to enable provisioning of a token for such cardholder accounts through the relevant digital wallets.
If You are using In-App Provisioning through Apple extensions, You are responsible for facilitating connectivity with the Apple Wallet app, including development work beyond the scope of integration with the Visa Digital Enablement SDK.

Push Provisioning to Visa Card Enrollment Hub (VCEH):

Conditions of VCEH access. Your use of this capability is further subject to the Visa Member for which you are an Agent (i) being a current participant in the Visa Token Service through an effective VDEP Agreement or an equivalent agreement enabling participation in the Visa Token Service and compliance with such agreement, (ii) having active enrollments for those digital wallets or other end points and Issuing Identifier ranges for which You intend to use the Visa Digital Enablement SDK capabilities, as separately approved by Visa (where such approval may require attestation of a separate agreement with the respective digital wallet provider, endpoint provider or Visa, an agreement through the Visa Token System, or other requirements, as applicable), and (iii) executing a current VCEH addendum to its VDEP or other participation agreement in the Visa Token Service (the “VCEH Addendum”).
VCEH terms. For the avoidance of doubt, provisioning into VCEH through the SDK does not relieve You or Your sponsoring Issuer of any of its sponsoring Issuer’s obligations under the VCEH Addendum, including but not limited to the relevant end user notification obligations thereunder.

Order Insight Digital:

Visa Transaction Controls:

If You are not a Visa Member, You may only access and use the Visa Transaction Controls feature (“VTC”) of the VDE SDK on behalf and at the direction of Visa Members. Prior to accessing and making use of VTC on behalf of a given Member, You must provide Visa with a fully executed Issuer Agreement and Acknowledgement form for each Member (i) whom You act as a service provider for and (ii) whose Cardholder data will be submitted to Visa by You through VTC.
The following terms also apply to the use of the Visa Transaction Controls API: See Visa Transaction Controls Product Terms available at https://developer.visa.com/capabilities/vctc/product-terms (as may be modified by Visa from time to time).
You may not use both the VDE SDK with VTC and VTC’s APIs simultaneously, except for the Notification Callback API (outbound API from Visa to an Issuer’s endpoint and only available for the headless version of the VTC feature of the VDE SDK). If You are using the Notification Callback API, a separate project is required and is subject to any applicable Visa project fees.
The UI/UX version is only available in North America and Latin America and the Caribbean regions and issuers using the UI/UX version of the VTC feature of the VDE SDK for transaction alerts must use VTC’s notification delivery service.
In addition to the foregoing, please refer to the VDE SDK Non-Visa Member (Visa credentials) product-specific billing terms for any information about billing.

Visa Payment Passkey:

Please see Visa Payment Passkey Product Terms

Custom Card Art:

Company may access and use the Custom Card Art feature (“CCA”) solely on behalf of and subject to the Visa Member(s) for which Company is an authorized Agent.
Company’s use of the CCA capability is further subject to the Visa Member for which Company is an Agent (i) being a current participant in the Visa Token Service through an effective VDEP Agreement or an equivalent agreement enabling participation in the Visa Token System and (ii) having active enrollments for those digital wallets, other endpoints and Issuing Identifier ranges for which Company intends to use the Visa Digital Enablement SDK capabilities, as separately approved by Visa (where such approval may require the Visa Member’s attestation of a separate agreement with the respective digital wallet provider, an agreement through the Visa Token Service, or other requirements, as applicable).
CCA enables Company to allow cardholders to view and select from its Visa Member’s‑approved card art (including, without limitation, images, designs, trademarks, logos, or related materials) made available to Visa by the Visa Member via Visa systems, including Visa Card Metadata Management tool (“VCMM”) (or successor), for display in supported wallet(s)/endpoint(s) through the SDK (“Card Art Content”).
Company shall ensure that Card Art Content made available through VCMM complies with all applicable VCMM upload, eligibility, and approval requirements as in effect from time to time.
Company hereby authorizes Visa and its Affiliates to retrieve and use Card Art Content solely to enable, operate, and support CCA and the Visa Digital Enablement SDK for Company, including to display, render, process, store, transmit, and otherwise technically use such Card Art Content as necessary, and to make it available to Company and Company’s Personnel in connection with CCA.
Company will use Card Art Content only to enable and support CCA for the applicable Visa Member(s) cardholders.
Company represents and warrants it has obtained and will maintain all necessary authorizations from the applicable Visa Member(s) for Company’s CCA use, including authorization for Visa to retrieve and deliver Card Art Content from VCMM through the SDK for CCA.
Company represents and warrants, on behalf of itself and its sponsor Visa Member) (i) it has all necessary rights and approvals to provide the Card Art Content for the foregoing uses; (ii) that the Card Art Content complies with Applicable Law, the Visa Rules, and applicable wallet/endpoint requirements, and (iii) that the Card Art Content does not infringe or misappropriate any third‑party rights (including Intellectual Property Rights).
Company remains solely responsible for Card Art Content (including any provided by its Personnel (including, without limitation, token requestors/Agents)) and for resolving any disputes relating to Card Art Content as between Company and its Sponsor Visa Member.
Visa reserves the right, in its sole discretion and without liability, to disable, remove, or suspend the display of any Card Art Content that Visa reasonably believes violates Applicable Law, the Visa Rules, any third-party rights, or applicable wallet/endpoint requirements, or any compliance processes.

Decline Experience:

Company may access and use the Decline Experiences feature solely as an authorized Agent of, and on behalf of, its sponsoring Visa Member(s). Company is solely responsible for all Cardholder facing communications relating to the Decline Experiences feature, including providing clear explanations of decline reason codes and any recommended Cardholder actions through Company controlled channels. Company must obtain all required Cardholder consents and provide all required disclosures, notices, or terms in connection with enabling this feature, in compliance with Visa Rules and Applicable Law.
Company acknowledges, on behalf of itself and its sponsoring Visa Member, that the Decline Experiences feature is informational only and does not replace, override, or satisfy Company’s (including its sponsoring Visa Member’s) fraud monitoring, transaction approval, or regulatory obligations. Company remains solely responsible for managing all transaction declines (including, without limitation, fraud or security related declines) and for coordinating any Decline Experiences notifications with its sponsoring Visa Member’s other customer communications to avoid duplicative, inconsistent, or misleading messaging. Where a decline event triggers Company’s (including its sponsoring Visa Member’s) internal fraud or security procedures, Company must follow the Visa Member’s direction regarding whether and how Decline Experiences notifications are presented, and must not send notifications that conflict with or undermine the Visa Member’s established procedures.
If Company (including its sponsoring Visa Member) enables any hyperlink or deep link as part of the Decline Experiences feature, Company is solely responsible for providing and maintaining such link and for all content, functionality, availability, and customer experience of any site, app, or service accessed via that link. Visa does not own or control, and is not responsible or liable for, any Company and/or Visa Member-controlled destination or its performance, even if accessed through the Visa Digital Enablement SDK.

Visa Digital Experience Hub:

Company acknowledges, on behalf of itself and its sponsoring Visa Member, that the Visa Digital Experiences Hub feature (“Card Hub”) provides Cardholders a single point of access to various card-related services or features, including services or features provided and controlled solely by Company or its sponsoring Visa Member (“Company Features”), as well as services or features enabled on behalf of Company by Visa (“Visa-enabled Features”). Company acknowledges that additional feature-specific terms and Documentation may apply to the functionality of Visa-enabled Features, and/or may require participation in other Visa programs. Company acknowledges, on behalf of itself and its sponsoring Visa Member, that the Processing of Personal Information in connection with Visa-enabled Features is governed exclusively by the applicable terms for the relevant feature.
If Company enables any hyperlink or “deep link” to Company Features as part of the Visa Digital Experiences Hub feature, Company is solely responsible for providing and maintaining such link and for all content, functionality, availability, and customer experience related to such Company Features, including any links or descriptive content provided to Visa for inclusion in the Card Hub (“Company Content”). Visa does not own or control, and is not responsible or liable for, any Company Feature or its performance, even if accessed through the Visa Digital Experiences Hub.
By making Company Content available in connection with the Card Hub, Company hereby authorizes Visa to use and display any available Company Content (including Company or its sponsoring Visa Member’s trademarks, service marks, logos, feature names, descriptions, and icons) that Company has provided to Visa for use with the Card Hub. Company represents and warrants that it has all rights, licenses, consents, and permissions necessary to grant the foregoing authorization.

Digital Card Sharing:

Company may access and use the Digital Card Sharing feature solely as an authorized agent of, and on behalf of, its sponsoring Visa Member, and subject to the Visa Member’s approval and control.
Company must implement the Digital Card Sharing feature strictly in accordance with the Visa Member’s instructions and must not enable, configure, or present shared card access in a manner inconsistent with the Visa Member’s policies or regulatory obligations. Company must ensure that all Cardholder‑facing disclosures, consents, and notices are provided by or on behalf of the Visa Member through Issuer‑approved channels.
Company acknowledges and agrees that Visa’s role is limited to providing the technology that enables tokenized card sharing and related controls; Visa does not assume liability for unauthorized transactions, recipient misuse or overspending, or Company’s (or its sponsoring Member’s) regulatory or legal obligations. Without limiting the generality of the foregoing:
- Company or its sponsoring Member are solely responsible for determining Cardholder eligibility to use the Digital Card Sharing feature, including verifying and approving recipients prior to enabling shared card access. Company or its sponsoring Member must configure and enforce any applicable age restrictions, eligibility rules, spending limits, and recipient controls through its systems and disclosures, and Visa will not enforce or monitor such restrictions.
- Company acknowledges that Visa does not perform KYC, age verification, sanctions screening, or due diligence on Cardholders or recipients; these are entirely the responsibility of Company. Company or its sponsoring Member must ensure compliance with OFAC regulations and with all applicable Laws, including AML laws and regulations, Reg E, Reg Z, and other sanctions or consumer protection requirements.
- Company or its sponsoring Member are solely responsible for fraud monitoring, transaction authorization decisions, error resolution, chargeback handling, and customer servicing for transactions made using shared digital cards, including transactions initiated by recipients.
- Company or its sponsoring Member are responsible for defining and communicating how disputes, errors, and liability will be handled for shared cards, and Visa will not intervene in Cardholder or recipient disputes.
- Company is responsible for all Cardholder or recipient terms, notifications and consents to enable the respective Digital Card Sharing feature, in accordance with applicable Laws.

Terms (Bahasa Indonesia Version)

If You are a Visa Member, then the following Visa Product Terms apply to You:

General Terms

For purposes of the Visa Digital Enablement SDK (“SDK”), references in these Product Terms and elsewhere in the Agreement to accessing or using an “API” or “APIs” mean downloading, accessing and using the SDK.
Your access to and use of the Visa Digital Enablement SDK (the “Capabilities”) for non-Visa card credentials in production is subject to the Visa Digital Enablement SDK Service Description and Technical Implementation guide and limited to the payment networks indicated in the Documentation.
You must use the Capabilities only in accordance with applicable law and the rules and requirements of the relevant payment network, including but not limited to the authorization from such network(s) to (i) provide Visa with the encryption key(s) and data related to cardholder accounts for the purposes of providing the Capabilities and (ii) instruct Visa to initiate enrollment of issuer cardholder accounts in digital wallets, including but not limited to an appropriate written agreement covering such actions between You and the relevant digital wallet providers. You must obtain all necessary permissions for Visa to collect and/or use cardholder information in order to provide the Capabilities, including but not limited to obtaining cardholder consents and displaying appropriate cardholder or user disclosures and issuer consent.
Prior to any access and use of the Capabilities in production, You must obtain the relevant encryption key(s) from the relevant payment network and provide them to Visa in compliance with the relevant payment network rules, for Visa’s use on Your behalf in accordance with the Agreement. If applicable, You also need to comply with any additional action items set forth in the Visa Digital Enablement SDK Service Description and Technical Implementation Guide. You further agree to separately register Visa as its agent under the rules of the relevant payment network, if applicable.
You may access and use the Capabilities only for accounts that have undergone and passed know-your-customer verification (KYC) and, if applicable, with such partners that have undergone and passed OFAC screening checks.
You will not share or provide access to the Visa Digital Enablement SDK or any components of it with any of its vendors, suppliers, agents, technology providers or other third parties, unless approved by Visa in the form of a Third Party Technology Provider Schedule to this Agreement.
You acknowledge and agree that its use of the Capabilities is partially contingent on the actions, authorizations and requirements of relevant third parties, such as the relevant payment network and the relevant digital wallets, including but not limited to aspects such as timeliness of SDK call responses and data accuracy. Visa does not have insight into or control over such third party actions, authorizations or requirements and disclaims any and all liability whatsoever. Similarly, Visa has no insight into or control over the respective pay wallet and/or the applicable rules of the relevant payment networks and compliance with such rules and Visa disclaims any and all liability whatsoever.
Visa will begin billing You for Visa Digital Enablement SDK fees commencing on (i) the day You initiate SDK calls in production based on the Visa Digital Enablement SDK or (ii) 30 days following the Production Live Date, whichever comes first, except for one time implementation Setup Fees, which shall become due on the Production Live Date. For purposes of this Section, “Production Live Date” is defined as the date when Visa enables You to initiate SDK calls in production based on the Visa Digital Enablement SDK by providing You with the relevant signature secret and the encryption secret.
The Visa Digital Enablement SDK capabilities provided to You hereunder shall include the Visa Universal Card Enrollment API. In addition to the terms and conditions in the Agreement, Your authorization to access and use the Visa Universal Card Enrollment API is limited to the purpose of enrolling Your cardholder accounts participating in Your program within the relevant Card Portfolios/BIN Ranges by requesting a universal card identifier.

Additional Capability Specific Terms

Digital Card Display

Your access to and use of the Digital Card Display is subject to Your (i) compliance with the rules of the applicable third party network, (ii) applicable prior selections in the Customer Information Questionnaire (CIQ), (iii) selections for provision of the security code used by the relevant payment network and its corresponding deliverables in accordance with the Documentation and (iv) provision of a key for Visa’s use to derive the security code used by the relevant payment network.
You are required to, at a minimum, authenticate Cardholders in compliance with applicable Laws, including, as applicable, step-up authentication or double authentication.
You hereby authorize Visa to display any available Card art (including Your trademarks, service marks, logos, payment network trademarks, service marks and/or logos and digital Card art) that You have provided to Visa for use with the SDK. You are required to obtain any necessary authorizations from the relevant payment network for Visa’s use of the Card art with the SDK hereunder before any such Card art is provided to Visa.
You further expressly authorize Visa to use the key for Visa’s use to derive the security code used by the relevant payment network provided hereunder for the purposes outlined herein as Your agent.

Push Provisioning to Digital Wallets:

Your use of this capability is further subject to You (i) being a current participant in the relevant payment network’s token system and compliance with the relevant participation terms, (ii) having active enrollments for those digital wallets and BIN ranges for which You intend to use the Capabilities, as authorized by the relevant payment network and (iii) providing Visa with the encryption key(s) issued by the relevant payment network for purposes of providing push provisioning services into the relevant digital wallets, as well as any additional information requested by Visa.
Your authorization is limited to the access to, use, and/or distribution of the Capabilities to enroll its cardholder accounts within the authorized Card Portfolios/BIN Ranges by requesting a universal card identifier through the Visa Universal Card Enrollment API when available (optional), and/or by verifying eligibility of the relevant digital wallet and/or to enable provisioning of a token for such cardholder accounts through the relevant digital wallets.
You further expressly authorize Visa to use the encryption key(s) provided hereunder for the purposes outlined herein as Your agent.

Order Insight Digital

Visa Transaction Controls:

If You are a Visa Member, see Visa Transaction Controls Product Terms available at https://developer.visa.com/capabilities/vctc/product-terms (as may be modified by Visa from time to time).
Your access to and use of the Visa Transaction Controls feature (“VTC”) of the VDE SDK is subject to Your compliance with the Agreement, applicable law and the rules of the applicable third party network.
You may not use both the VDE SDK with VTC and VTC’s APIs simultaneously, except for the Notification Callback API (outbound API from Visa to an Issuer’s endpoint and only available for the headless version of the VTC feature of the VDE SDK). If You are using the Notification Callback API, a separate project is required and is subject to any applicable Visa project fees.
The UI/UX version is only available in North America and Latin America and the Caribbean regions and issuers using the UI/UX version of the VTC feature of the VDE SDK for transaction alerts must use VTC’s notification delivery service.
In addition to the foregoing, please refer to the VDE SDK Visa Member-(non Visa credentials) product-specific billing terms for any information about billing.

Mastercard Token Connect (MCTC) (CEMEA and AP ONLY):

Your use of the Mastercard Token Connect (MCTC) Push Provisioning API (“MCTC”) is further subject to the terms of the (a) VDE SDK Service Description and VDE SDK Implementation Guide (as each may be amended by Visa from time to time); and (b) You being a current participant in the relevant payment network’s token system and your compliance with all applicable rules, requirements and restrictions of the relevant payment network (including, without limitation, any applicable payment network API terms of use).
VISA DISCLAIMS ALL RESPONSIBILITY AND LIABILITY FOR MCTC. YOU SHALL BE SOLELY RESPONSIBLE AND LIABLE FOR YOUR ACCESS AND/OR USE OF MCTC.

Terms (Bahasa Indonesia Version)

If You are not a Visa Member, then the following Visa Product Terms apply to You:

General Terms

Additional obligations if You are a Integrator or Reseller:

Integrator or Reseller shall work directly with Visa in order to make the Capabilities available to its participating clients and their respective participating cardholders under the terms set forth in the Agreement.
Integrator or Reseller shall provide participating clients with all relevant documentation, FAQ, technical support, implementation and other technical guidelines as reasonably necessary and shall flow down the applicable terms, use restrictions and obligations under the Agreement to the participating clients as if they were You under the Agreement.
Integrator or Reseller must collect and/or ensure the destruction of any documentation which was provided to a participating client of the Distributor or Integrator when the participating client is no longer under contract by the Distributor or Integrator.
Integrator or Reseller shall provide customer service and technical support associated with the Capabilities including all communication with each participating client and all direct to consumer communications. If a customer service request or technical problem requires additional input from Visa, Distributor or Integrator shall facilitate all communications between Visa and the participating client or consumers. As between Visa and Distributor or Integrator, Distributor or Integrator shall be the party responsible for training all participating clients in connection with the Capabilities. As between Distributor or Integrator and participating clients, Distributor or Integrator shall serve as the primary contact to Visa for all implementation related issues including those related to the participating clients.

Additional Capability Specific Terms

Digital Card Display:

Your access to and use of the Digital Card Display is subject to Your and Your sponsoring Issuer’s, as applicable (i) compliance with the rules of the applicable third party network, (ii) applicable prior selections in the Customer Information Questionnaire (CIQ) and (iii) selections for provision of the security code used by the relevant payment network and its corresponding deliverables in accordance with the Documentation.
You and Your sponsoring Issuer are required to, at a minimum, authenticate Cardholders in compliance with applicable Law, including, as applicable, step-up authentication or double authentication.
You hereby authorize Visa to display any available Card art (including You and/or Issuer trademarks, service marks, logos, payment network trademarks, service marks and/or logos and digital Card art) that You have provided to Visa for use with the SDK. You are required to obtain the relevant authorizations and approvals from its sponsoring Issuer, including any required authorization from the relevant payment network for Visa’s use of the Card art with the SDK hereunder before any such Card art is provided to Visa.

Push Provisioning to Digital Wallets:

Your use of this capability is further subject to Your sponsoring Issuer (i) being a current participant in the relevant payment network’s token system and (ii) having active enrollments for those digital wallets and BIN ranges for which You intend to use the Capabilities, as authorized by the relevant payment network.
Except in the Visa Asia Pacific Region, in accordance with the specifications and additional definitions for the capitalized terms used in these API specific terms and in the Agent Agreement, Your authorization is limited to the access to, use, and/or distribution of the Capabilities on behalf of the issuer to enroll issuer cardholder accounts within the authorized Card Portfolios/BIN Ranges by requesting a universal card identifier through the Visa Universal Card Enrollment API when available (optional), and/or by verifying eligibility of the relevant digital wallet and/or to enable provisioning of a token for such cardholder accounts through the relevant digital wallets.

Order Insight Digital:

Visa Transaction Controls:

If You are not a Visa Member, You and Your sponsoring issuer may only access and use the Visa Transaction Controls feature (“VTC”) in the VDE SDK in compliance with the Agreement, applicable law and the rules of the applicable third party network. Prior to accessing and making use of VTC on behalf of a non-Visa Member, You must provide Visa with a fully executed Issuer Agreement and Acknowledgement form for each sponsoring issuer (i) whom You act as a service provider for and (ii) whose Cardholder data will be submitted to Visa by You through VTC.
You must obtain and/or ensure all necessary permissions for Visa to collect and/or use cardholder information in order to provide VTC, including but not limited to obtaining cardholder consents and displaying appropriate cardholder or user disclosures and issuer consent. Notwithstanding anything to the contrary herein, the following terms also apply to the use of the Visa Transaction Controls API: See Visa Transaction Controls Product Terms available at https://developer.visa.com/capabilities/vctc/product-terms (as may be modified by Visa from time to time).
You may not use both the VDE SDK with VTC and VTC’s APIs simultaneously, except for the Notification Callback API (outbound API from Visa to an Issuer’s endpoint and only available for the headless version of the VTC feature of the VDE SDK). If You are using the Notification Callback API, a separate project is required and is subject to any applicable Visa project fees.
The UI/UX version is only available in North America and Latin America and the Caribbean regions and issuers using the UI/UX version of the VTC feature of the VDE SDK for transaction alerts must use VTC’s notification delivery service.
Please refer to the VDE SDK Non-Visa Member (Non-Visa credentials) product-specific billing terms or fee schedule, as applicable, for information about billing.

Mastercard Token Connect (MCTC) (CEMEA and AP ONLY):

Your use of the Mastercard Token Connect (MCTC) Push Provisioning API (“MCTC”) is further subject to the terms of the (a) VDE SDK Service Description and VDE SDK Implementation Guide (as each may be amended by Visa from time to time); and (b) You and/or Your sponsoring Issuer being a current participant in the relevant payment network’s token system and your and Your sponsoring Issuer’s compliance with all applicable rules, requirements and restrictions of the relevant payment network (including, without limitation, any applicable payment network API terms of use).
VISA DISCLAIMS ALL RESPONSIBILITY AND LIABILITY FOR MCTC. YOU AND/OR YOUR SPONSORING ISSUER SHALL BE RESPONSIBLE AND LIABLE FOR YOUR RESPECTIVE ACCESS AND/OR USE OF MCTC.

arrow_upward Back to top