Product Terms

October 10, 2025

The following Visa Product Terms apply to You and You agree to the same as a condition of Your access to the Visa Product or related specifications:

1. Your access to and use of the Visa Trusted Agent Protocol (“Specification”), and any sample code or code snippet(s) made available by Visa in connection with the Specification (“Sample Code”), is subject to the terms and conditions set forth in the Visa Developer Center Terms of Use (the “Agreement”) and these Visa Product Terms. All capitalized terms used and not defined in these Visa Product Terms shall have the meanings ascribed to them in the Agreement.
2. License. Notwithstanding anything to the contrary in the Agreement, subject to and conditioned upon Your compliance with the terms and conditions of the Agreement and the terms set forth herein, Visa grants You a nonexclusive, non-sublicensable (except to the limited extent necessary to grant end users of Your Application(s) the rights to lawfully use such Application(s) distributed to them that incorporate or implement the Specification, and provided that You ensure that any such end users are subject to terms as protective of Visa as these Visa Product Terms), nontransferable, revocable, limited license, during the term of the Agreement (unless earlier terminated in accordance with these terms), to: (i) review, for purposes of evaluation, and use the Specification, and (ii) use, copy, maintain, enhance, and create derivative works of (subject to restrictions in the Section 3, below) the Sample Code, in each case for (i) and (ii) solely to the extent necessary for the purpose of developing, testing, importing, offering to sell, selling or otherwise distributing Application(s) complying with the most current version of the Specification. The foregoing license grant, including, without limitation, as it concerns Your distribution of an implementation of the Specification and use of the Sample Code, is conditioned upon You implementing the most current version of the Specification in its entirety in strict conformance as it is made available by Visa. For the avoidance of doubt, and notwithstanding anything to the contrary in the Agreement, You may implement the Specification and use the Sample Code in Applications in Your production environment without the need to submit such use case to Visa for review and pre-approval through the Solution Approval process. The license granted in this section is limited to Visa IP embodied in and necessary for the implementation of the Specification and does not include any other Visa IP. For purposes of these terms: “Application(s)” shall be read to include Your software or solution, or any functionality, component or aspect thereof that is accessing and/or using, or for which You are requesting access and/or use of the Specification or the Sample Code; and “Materials” shall be read to include the Sample Code.
3. Modifications. Visa retains all right, title and interest in and to the Specification and Sample Code, including any and all Intellectual Property Rights therein and thereto. You are not authorized to make any Modifications to the Specification or Sample Code (except as provided herein), provided, however, that Your implementation of the Specification within Your Application(s) or use of or reference to the Sample Code in the creation of Your Application(s), including any porting of the Sample Code or translation of the Sample Code into a different or new programming language, in all cases, in strict compliance with the Agreement and these Visa Product Terms, shall not be deemed a violation of this provision. If You make any unpermitted Modifications, You hereby assign, and will assign to Visa, all right, title, and interest in, or to, such Modifications that You or Your Affiliates may create, and the associated Intellectual Property Rights, and will execute, or cause the relevant Affiliate or employee to execute, and deliver any documents that Visa may reasonably require to effect such assignment and transfer.  For the avoidance of doubt, the parties hereby agree that neither the Specification or Sample Code constitute “Feedback” (as defined under any other agreements between the Parties) to You. As used herein, “Modifications” shall be read to include any modifications, changes, enhancements, adaptations, combinations, alterations, corrections, error-fixes, improvements, updates, derivative works or upgrades of or to the Specification or Sample Code or any portion or component thereof.
4. You are solely responsible for providing, and maintaining records of, all disclosures to, and collecting any consents that may be required under applicable laws from users of Your Application(s) or any services supported by You, within which You implement the Specification or the Sample Code. Visa will not be liable for any issues or concerns arising out of or relating to such disclosures or consents, including, without limitation, the ineffective delivery or collection, as applicable, of any such disclosures or consents.
5. Visa has no obligation to, but may, from time to time, make updates, modifications or changes to the Specification (each, a “Visa Update”). Any Visa Update made available to You shall be deemed part of the Specification and subject to the license and other terms and conditions hereunder. You agree to, at least annually, perform an update to Your Application(s) supported by the Specification to implement any such Visa Update. Updates to Your Application(s) must be performed within six months of the publication of a Visa Update. It is Your responsibility to make any necessary changes to Your use of the Specification or Sample Code, including, without limitation, any corresponding updates or changes to ensure the continued functionality and security of Your Application(s).
6. Visa reserves the right to, without notice and without limiting Visa’s other rights and remedies under the Agreement, immediately suspend and/or terminate Your access to the Specification or the Sample Code. Upon expiration or termination of Your access, these Visa Product Terms or the Agreement, all rights and licenses granted to You under these Visa Product Terms, as applicable, shall be extinguished, and You and end users of Your Application(s) shall immediately cease accessing and using the Specification and/or Sample Code, as applicable, including, without limitation, in connection with any existing, new or future Application(s). For the avoidance of doubt, this section shall survive any expiration or termination of the Agreement or these Visa Product Terms.
7. WITHOUT LIMITATION OF ANY SIMILAR PROVISIONS CONTAINED IN THE AGREEMENT, YOU ACKNOWLEDGE AND AGREE THAT THE SPECIFICATION AND SAMPLE CODE ARE PROVIDED ON AN “AS IS”, “AS AVAILABLE”, “WITH ALL FAULTS” BASIS WITHOUT WARRANTY OF ANY KIND. YOUR USE OF ANY OF THE FOREGOING IS AT YOUR OWN RISK. VISA DOES NOT WARRANT THAT THE SPECIFICATION OR SAMPLE CODE WILL BE COMPLETE, ACCURATE, ERROR-FREE OR CURRENT AND HEREBY DISCLAIMS ALL WARRANTIES,  REPRESENTATIONS, OR CONDITIONS, BOTH EXPRESS AND IMPLIED, ARISING BY STATUTE OR OTHERWISE IN LAW, OR FROM A COURSE OF DEALING OR USAGE OF TRADE, INCLUDING, BUT NOT LIMITED TO, ANY IMPLIED WARRANTY, REPRESENTATION, OR CONDITION OF MERCHANTABILITY, MERCHANTABLE QUALITY, OR FITNESS FOR ANY PURPOSE, PARTICULAR, SPECIFIC, OR OTHERWISE, OR ANY WARRANTY OF TITLE OR NON-INFRINGEMENT. Visa assumes no liability or responsibility for any inaccurate or incomplete information or claims that may result from reliance on such information. Without limiting the foregoing and, to avoid doubt, Visa, its Affiliates, and their respective licensors, shall not be liable for, and hereby expressly disclaim any liabilities and warranties with respect to, any Open Source Software or other third party components of Materials or content. Some states or provinces do not allow the exclusion of certain warranties, so the above limitations may not apply, in whole or in part, to You. You may have rights that vary from jurisdiction to jurisdiction; however, the above disclaimers apply to the extent permitted by applicable Law. 

These Visa Product Terms shall prevail and govern in the case of conflicts or any inconsistency with the Visa Developer Center Terms of Use, to the extent of such conflicts.