Visa Digital Enablement SDK Product Terms

– Non-Visa Member (non-Visa credentials)

Oct. 28, 2024

If You are not 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 and to actions on behalf of and subject to You being an Agent of a Member that issues Visa Cards.

• In addition, both You and the issuer 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.

• 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 (“Agent Agreement”), completed and signed by the sponsoring or integrating issuer.

• You must obtain and/or ensure 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 have the issuer it is acting on behalf of 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 the issuer’s behalf in accordance with the Agreement. If applicable, You and the relevant issuer also need to comply with any additional action items set forth in the Visa Digital Enablement SDK Service Description and Technical Implementation Guide.

• You may access and use the Capabilities only for issuer accounts that have undergone and passed know-your-customer verification (KYC) and, if applicable, with such issuer partners that have undergone and passed OFAC screening checks.

• 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.

Additional obligations if You are a Distributor or Integrator:

• Distributor or Integrator 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.

• Distributor or Integrator 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.

• 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 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.

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.