Visa Digital Enablement SDK Product Terms

– Non-Visa Member (Visa credentials)
Oct. 28, 2024

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").

• 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.

• 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.

Additional Distributor and Integrator obligations:

• Distributor or Integrator 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.

• Distributor or Integrator 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.

• Distributor or Integrator 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 SDK.

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 its 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.

Visa Stop Payment Service:

• You may use the Visa Stop Payment Service (VSPS) API only on behalf and at the direction of a Visa Member and subject to such Visa Member’s (i) ongoing participation in VSPS, (ii) payment of applicable VSPS usage and client configuration management fees, (iii) completion of all applicable enrollment documentation required by Visa (iv) designation of You as its VSPS processor in the enrollment documentation and (v) compliance with the Visa Rules.

• You are responsible for implementation with and connection to the VSPS API, any APIs between You and the relevant Visa Member and management of the relationship and communication with the Visa Member with regards to the VSPS API. Visa is not obligated to address any issues regarding the VSPS API directly with Visa Members.

Card-On-File Data Inquiry:

• You may access and use the Visa Card on File Data API only subject to the terms of the Visa Card on File Data API Reference Guide. To use and access this Visa Product, You must provide evidence to Visa that (i) You are the Agent of a Visa Member for purposes of using this Visa Product, and (ii) Your access and use of this Visa Product is at the direction and on behalf of the Visa Member for which You are an Agent and only to provide services to such Visa Member.

• You represent and warrant that You have Your applicable Visa Member’s and the relevant Cardholder’s authorization to (a) provide Visa with Cardholder data for use in connection with the Visa Card on File Data API and (b) receive from Visa data related to Visa Card accounts as well as transaction data that is submitted for processing through the Visa payment system for such Visa Member’s Cardholders enrolled in applicable card on file or stored credential service offerings. Any Cardholder data provided by Visa is provided AS IS, Visa has no insight into the currency or accuracy of the Cardholder data and disclaims any and all liability. You should communicate directly with the Visa Member for verification of accuracy.

• Visa may modify any of the Card on File Data API capabilities, features or functionalities as described in the Visa Card on File Data API Reference Guide upon written notice to You, for which email or general announcement via the Visa Developer Platform portal will suffice.

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.

Push Provisioning to Digital Wallets

• 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.

• 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.

Order Insight Digital:

• 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.

• Additionally, if You are an Agent, You must ensure that each of Your customers that are Members, comply with this Agreement (including these Product Terms) and the Visa Rules, so long as the corresponding Member for which You are an Agent has not accepted the Agreement. Failure to do so is a material breach of this Agreement, and permits Visa to, among other things, immediately terminate access to the OID API and VDP.