1. The Visa Solution
The Visa Solution is operated by Visa U.S.A. Inc. (“Visa”). Contact information for Visa is included under Contact Us below.
As used in these Terms, the term "Visa Solution" shall mean all of the following: all Visa Checkout features, functionality and services, now available or added in the future, whether branded as Visa Checkout or a different name, and whether available through the Visa Solution website or mobile site as operated as a domain or subdomain ("Website") or through an application or functionality offered by an issuing bank or payment institution, merchant, or other third party (collectively, "Services"); the logos, designs, text, images, videos, graphics, software and other content and materials of Visa or its licensors available through the Visa Solution, and the selection and arrangement thereof (collectively, "Content"); and Visa's hardware, software and networks associated with making the Visa Solution available to you (collectively, the "Visa Solution System").
The Visa Solution offers you (i) the ability to store payment account and other related information such as billing and shipping addresses ("Card Details") for your Visa credit, debit and reloadable prepaid cards and other cards or payment methods that Visa has decided are eligible to be used with the Visa Solution ("Eligible Cards"); and (ii) the ability to use the Visa Solution as a method of payment at merchants, or other third parties, that display the Visa Checkout mark or icon that replaces it.
When you use the Visa Solution as a payment method, we will transmit your payment and related information to the merchant, or other applicable third party, in order to allow them to process the transaction.
You agree that the merchant or other applicable third party can transmit information about the transaction to the applicable network for your Eligible Card and that your transaction will be paid for using the Eligible Card you have selected. While the Visa Solution helps facilitate the transaction, Visa is not a party to the transaction and the payment to or from a merchant in connection with your use of the Visa Solution, including the purchase or return of goods or services, is solely between you and the merchant.
If you require a refund or reversal of any transaction completed using the Visa Solution, you must contact the applicable merchant and/or the financial institution or other entity which issued the Eligible Card (each, an "Issuer") you used for the transaction. Please remember that Visa is not a party to the transaction, and thus Visa is not able to resolve any such issues that you may have with the transaction.
You acknowledge that the Card Details stored or provided through use of the Visa Solution are provided by you or, in certain jurisdictions, on your behalf by your Issuer or a merchant or third party, and contain personal financial information. You may only use Cards in connection with the Visa Solution if your Issuer regards you as the cardholder or authorized user and your name is shown on the Card. You acknowledge and agree that you are responsible for the completeness and accuracy of the Card Details and other information you store with the Visa Solution or provide through use of the Visa Solution. Although Visa may perform certain validation checks for Card Details for Visa cards, Visa is not responsible for the accuracy of Card Details or the other information you provide, including whether Card Details are current and up-to-date. However, you understand that if your Issuer is entitled to provide updated information about your Eligible Cards (such as a new card number or expiry date) to third parties, your Issuer may also provide that information to us.
The Visa Solution is not a bank or payment account and does not offer any credit to you or a merchant. Any transaction that you make using the Visa Solution will be reflected in the account which relates to the Eligible Card you use for the transaction. Payment of that account is solely a matter between you and the Issuer of the Eligible Card.
2. Service Terms
The Visa Solution may not be available to all Eligible Cards. Furthermore, Visa may, in its sole discretion, remove Eligible Cards from the Visa Solution or prevent Eligible Cards from being activated for the Visa Solution, and Visa may also revise at any time the eligibility of specific or general credit, debit and reloadable prepaid cards and other cards or payment methods that constitute Eligible Cards.
3. Eligibility
The Visa Solution is only available to individuals who are:
- (i) residents of one of the following jurisdictions: Argentina, Australia, Brazil, Canada, Chile, China (mainland and Hong Kong), Colombia, France, India, Ireland, Kuwait, Malaysia, Mexico, New Zealand, Peru, Poland, Qatar, Saudi Arabia, Singapore, South Africa, Spain, Ukraine, the United Arab Emirates, the United Kingdom, or the United States (including its territories), as each jurisdiction is made available (the "Eligible Jurisdictions");
- (ii) the legal age of majority in their jurisdiction, province or territory of residence;
- (iii) able to access the Internet on a computer or other device; and
- (iv) the cardholder or authorized user of one or more Eligible Cards, and in good standing with respect to their Eligible Card accounts.
Access to the Visa Solution from any location where it is illegal or otherwise restricted is prohibited.
4. Registration and Security
If you choose to register in or activate an Eligible Card for the Visa Solution, you agree to provide us with true, accurate, current and complete information about yourself and update us if there are changes to the information. To the fullest extent permissible by applicable law, you acknowledge and agree that Visa will have no liability associated with or arising from your failure to maintain accurate information with Visa, including your failure to receive important information and updates about the Visa Solution. If Visa has reasonable grounds to suspect that any information you provided to us is untrue, inaccurate or incomplete, Visa may suspend or terminate your registration in or use of the Visa Solution and refuse any and all current or future use of the Visa Solution (or any portion thereof) by you.
As a part of your registration, you are required to establish a username and in some markets may be required to establish a password. These pieces of data are used to authenticate you when you use the Visa Solution. If you are required to establish a password, for your protection, you should choose a password that is unique to the Visa Solution, and memorize your username and password and not keep notation of your password on or with your personal computer, tablet, mobile device or other device used to access the Visa Solution. You are responsible for protecting the confidentiality of your username and password(s), if any. In addition, if you choose to be remembered on your device or browser, or link your use of the Visa Solution with a digital wallet, on one or more device(s), you are responsible for protecting the safety of and access to such device(s). It is important that you do so since we are not responsible for any losses you incur as a result of unauthorized use of your Eligible Card and, depending on the circumstances, your Issuer may hold you responsible for unauthorized use of your Eligible Card account. You agree to notify Visa immediately of any unauthorized use of your username, password, if applicable, or Eligible Card in the Visa Solution, or if your device(s) on which you’ve chosen to be remembered, or linked your use of the Visa Solution with a digital wallet, has been lost or stolen or otherwise suffered unauthorized access, or any other actual or potential security breach relating to your use of the Visa Solution. Visa reserves the right to remove your Eligible Cards from, or suspend or terminate your use of, the Visa Solution and/or, if you have a password, require you to change your password, if Visa believes it is no longer secure.
You are responsible for use of your Eligible Cards in the Visa Solution and for ensuring that use of or access to the Visa Solution complies fully with these Terms.
We regularly review the security measures for the Visa Solution. However, we cannot guarantee that information you transmit via the Internet is entirely secure.
5. Cardholder Agreements
These Terms do not amend or otherwise modify any agreement with your Issuer in respect of an Eligible Card ("Cardholder Agreement"). In the event of any inconsistency between these Terms and your Cardholder Agreement, these Terms govern as to the relationship between you and Visa solely with respect to the Visa Solution, and your Cardholder Agreement with your Issuer governs the relationship between you and your Issuer. You are responsible for ensuring that your use of the Visa Solution complies with any Cardholder Agreement.
6. Charges, Fees and Taxes
You are solely responsible for acquiring any hardware, device, software, wireless and Internet access, and other items required for you to use or access the Visa Solution, and any associated fees, expenses or other charges. You are also solely responsible for any interest, fees, charges or expenses from the Issuer of any Eligible Cards you use in connection with the Visa Solution and for any taxes or tax reporting obligations in connection with your use of the Visa Solution.
7. Visa Solution Email Subscription
In some countries and territories, we may offer users the choice to enroll in the Visa Solution Email Subscription. If you enroll in the Email Subscription, you agree to receive, from time to time, promotional emails from Visa. Each promotional email will include a link allowing you to unsubscribe from the Email Subscription and/or a link to a webpage where you can adjust your email preferences or unsubscribe from the Email Subscription. Enrolling in the Email Subscription will not affect the frequency of administrative emails that Visa may send in connection with the Visa Solution. No fee is charged for sending promotional emails to you, but third-party data rates may apply. Note that you may not be able to take advantage of certain promotions if you are not registered in the Visa Solution.
Some promotions you receive may have additional, promotion-specific terms and conditions, privacy notices or other disclosures, and/or requirements. Be sure to review any such additional terms, disclosures, and/or requirements before you choose to participate in such promotions.
8. Other Email Communications
In certain markets, the Visa Solution may provide an option for you to send another person an email or other electronic communication about the Visa Solution. If you provide another person’s email address, or other contact information, to us, you represent and warrant that you have the authority to do so and you expressly authorize us to send the electronic communication on your behalf. In addition, the recipient must meet the requirements of Section 3(i) and 3(ii) above. We may elect not to transmit any email to an email address that appears to be on any Visa or other applicable "do not contact" or "do not email" list or to jurisdictions that require the recipient’s express consent.