Card-On-File Data Inquiry Product Terms

If you are a Visa Member, no additional terms are required provided You are already participating in Visa Token Services and Visa Account Updater. If You are participating in only one of either the Visa Token Services or the Visa Account Updater, You understand that its experience with Card on File will be limited to such participation.

If You are not a Visa Member, the following Visa Product Terms apply to You:

    1. You may access and use the Visa Card on File Data API only subject to the terms of the Visa Card on File Data API Reference Guide. To use and access this Visa Product, You must provide to evidence to Visa that (i) You are the Agent of a Visa Member for purposes of using this Visa Product, and (ii) Your access and use of this Visa Product is at the direction and on behalf of the Visa Member for which You are an Agent and only to provide services to such Visa Member. Your use of the Visa Member’s Cardholder data received from Visa is limited to the delivery of services back to that same Visa Member, using the Visa Card on File Data API.

    2. If such Visa Member is not participating in either the Visa Token Services or the Visa Account Updater, You understand that its experience with Visa Card on File Data API will be limited and Visa Card on File Data API may be unable to display where credential updates have occurred on stored cards.

    3. You represent and warrant that You have Your applicable Visa Member’s and the relevant Cardholder’s authorization to (a) provide Visa with Cardholder data for use in connection with the Visa Card on File Data API and (b) receive from Visa data related to Visa Card accounts as well as transaction data that is submitted for processing through the Visa payment system for such Visa Member’s Cardholders enrolled in applicable card on file or stored credential service offerings. Any Cardholder data provided by Visa is provided AS IS, Visa has no insight into the currency or accuracy of the Cardholder data and disclaims any and all liability. You should communicate directly with the Visa Member for verification of accuracy.

    4. Visa may modify any of the Card on File Data API capabilities, features or functionalities as described in the Visa Card on File Data API Reference Guide upon written notice to You, for which email or general announcement via the Visa Developer Platform portal will suffice.

    5. You are responsible for managing the relationship with the applicable Visa Member with regards to the Visa Card on File Data API, including but not limited to communications with the Visa Member about the service, technical support and implementation.

    6. For clarity, You and the applicable Visa Member are responsible for implementing data privacy and data protection measures in compliance with applicable Laws and Privacy and Data Protection Regulations, including but not limited to the collection, receipt, provision and processing of Cardholder data by, to and from Visa. Visa has no insight into, no responsibility for and disclaims any and all liability with respect to such measures and Cardholder notices and authorizations, including any security breaches or violations of Privacy and Data Protection  Regulations on Your or the Visa Member’s side.