Visa Rules

As Visa Inc. continues to serve the needs of our clients, we are committed to providing our partners with greater insight into Visa's operations. We are pleased to provide access to the Visa International and Regional Operating Regulations as part of our effort.

While Visa's Operating Regulations govern our client financial institutions' use of the Visa payment system, we believe that providing access to them will benefit all of Visa's stakeholders. In order to protect the security of cardholders and the integrity of the Visa system, we have omitted proprietary and competitive information, as well as certain details within the rules relating to the security of the Visa network. For example, in the merchant rules, we have omitted floor limits by country code and processing codes that identify full track data, which could aid fraudsters.

The Regional Operating Regulations each apply only to the operations of client financial institutions within each respective region (e.g., the Visa USA Inc. Operating Regulations only apply to a financial institutions' operations in the U.S. region). In addition, please note that Visa Europe is a separate entity that is an exclusive licensee of Visa Inc.'s trademarks and technology in the European region and, as such, member financial institutions of Visa Europe are governed by the Operating Regulations of Visa Europe.

If you have any questions about Visa's Operating Regulations, please contact us.