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 latest edition (dated, November 15, 2008) of 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.
Download the Visa USA, Interlink and Visa International Operating Regulations below:
Visa USA : Volume 1 (PDF | 2.5M)
Visa USA : Volume 2 (PDF | 1M)
Interlink (PDF | 539K)
Visa International Operating Regulations - Volume I - General Rules (PDF | 1.4M)
Visa International Operating Regulations - Volume II - Dispute Resolution Rules (PDF | 1M)
For Operating Regulations in other regions, please visit our corporate site.
If you have any questions about Visa’s Operating Regulations, please contact us.
Also, learn about state laws protecting consumers from surcharges.
