Visa Digital Enablement SDK Product Terms

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

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 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

• 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.

Digital Card Display

• 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.

• 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.

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.