Visa Inc. is committed to providing our partners and interested parties with greater insight into Visa’s operations. As part of our effort, we are pleased to provide access to the latest edition (dated 15 October 2014) of the Visa Core Rules and Visa Product and Service Rules (formerly known as the Visa International Operating Regulations), which govern the participation of our financial institution clients in the Visa system.

Note that this updated edition has a new look. As a result of a comprehensive review of the Visa International Operating Regulations, Visa has made revisions to streamline, simplify, and revise the document to make it more usable. Some features of this streamlining include:

  • Obsolete, outdated, and unnecessary rules have been removed.
  • Similar rules have been consolidated.
  • Terminology has been standardized and rule language has been updated for clarity.
  • To help navigate through the information more easily, document layout and rule presentation have been updated.

To protect cardholders and merchants and maintain the integrity of the Visa system, we have omitted proprietary and competitive information, as well as certain details from the rules relating to the security of the network.

Any regional or country–specific rules within the Visa Core Rules and Visa Product and Service Rules apply only to the operations of financial institution clients within the relevant region or country, and any rules marked with the name of a region or country are applicable to financial institutions operating in that region or country only. 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 rules, please contact us.

Interlink Operating Regulations (PDF, 1.8MB)
Visa Core Rules and Visa Product and Service Rules (PDF, 2.86MB)

 

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