Visa Credit Card Application Product Terms

Visa Credit Card Application  (“VCCA”)  Product Terms (“VCCA Product Terms”)

1. Definitions.  For the purpose of these VCCA Product Terms, the following terms shall have the meaning attributed to them in this Section 1. Any capitalized terms used and not defined in these VCC Product Terms shall have the meanings attributed to them in the Visa Developer Platform API Terms of Use.

1.1 “API” means the application interface that formats, encrypts, and decrypts messages transferred between Your systems and Visa's systems as specified in the applicable Documentation and which may be provided to You as part of the Developer Platform, as software in object code format or as sample code or code snippets.

1.2 “VCC Data” means the data which You are required to provide to Visa under Visa Rule 10.5.1.2.

1.3 “VCCA Term” means the period of time beginning on the date You indicate Your acceptance of these VCCA Product Terms and conditions hereof and ending on the date the VCCA Product Terms or the Agreement expires or terminates as provided in the Agreement, whichever is earlier.

1.4 “Visa Product” means, for the purpose of these VCCA Product Terms, the VCCA API made available to You under these VCCA Product Terms.

2. Licenses.

2.1 Right and License.  Subject to and conditioned upon Your compliance with the terms and conditions of the Agreement and these VCCA Product Terms, Visa hereby grants You a limited, non-exclusive, non-transferable, revocable, non-sublicensable (right and license during the VCCA Term, and solely in the United States, to access the Visa Product and Materials which relate to the Visa Product and to use such Visa Product and Materials which relate to the Visa Product as part of such access, in each case solely for the purposes of: 

(i) using the Test Environment and Test Data in accordance with the applicable Documentation to test the Visa Product; and

(ii) only after You have received Solution Approval from Visa, and subject to any conditions provided in said Solution Approval, providing VCC Data to Visa to fulfill Your requirements under Visa Rule 10.5.1.2.

3. Miscellaneous.

3.1 Sections 6.1, 6.2, and 6.4 of the Agreement do not apply with regard to the Visa Product.

3.2 The obligations of Sections 6.5.1-6.5.3, 6.5.6-6.5.8, 6.5.10,and 6.5.12 shall apply to the Visa Product as well as Materials.

3.3 Without limiting Sections 6.5 or 11.5.3 of the Agreement, You may not make Modifications to the Visa Product or Materials which relate to the Visa Product.

3.4 The provisions of Sections 6.6, 6.7, and 9 shall apply to the Visa Product as well as Materials.

3.5 If You are a Visa Member, You acknowledge and agree that any Personal Information processed under these VCCA Product Terms shall be handled in accordance with the Visa Rules, these VCCA Product Terms, Visa Developer Center Terms, and Applicable Data Protection Laws.

3.6 If You are not a Visa Member, You acknowledge and agree that, for any Personal Information processed under these VCCA Product Terms, both parties act as controller. You further agree that the controller obligations set forth in the Visa Developer Center Data Processing Agreement (“DPA”) available at https://developer.visa.com/terms shall apply to Your use of the Visa Product, and You shall comply with all applicable terms therein and Applicable Data Protection Laws. 

4. Entire Agreement.  In the event of a conflict between these VCCA Product Terms and the Visa Rules, the Visa Rules will control to the extent of the conflict.  In the event of a conflict between these VCCA Product Terms and the Agreement, the VCC Product Terms shall govern to the extent of the conflict.

5. Termination.  Any termination of this Agreement or Your access to the Visa Product does not excuse Your obligation to comply with Your requirements under Visa Rule 10.5.1.2.