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 2011) of the Visa International Operating Regulations, which govern the participation of our financial institution clients in the Visa system
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 rules within the Visa International Operating Regulations apply only to the operations of financial institution clients within the relevant region, and any rules marked with the name of a region are applicable to financial institutions operating in that region 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.
Visa International Operating Regulations (PDF, 3.6 MB )
Summary of Changes to the Visa International Operating Regulations (PDF, 320KB MB)
Interlink Operating Regulations (PDF, 1.41 MB)
If you have any questions about Visa’s Operating Regulations, please contact us.
Also, learn about state laws and Visa rules protecting consumers from surcharges.
