Visa B2B Payment Controls Product Terms

A. If You are a Visa Member, or if You are not a Visa member but are accessing and using Visa Commercial Payment Controls APIs (“Visa Product”) on Your own behalf and not as an Agent of a Visa Member, the following Visa Product Terms apply to You

1. In addition to any requirements set out in the Visa Rules in respect of the Visa Product, Documentation (as that term is defined in the Visa Developer Platform Terms of Use) relating to the Visa Product includes but is not limited to these Visa Product Terms, the Visa Commercial Payment Controls Service Description, any Service Enrollment Form and Client Information Questionnaire and such other guides and material concerning the Visa Product made available on the Visa Developer Platform or Visa Access (as applicable) from time to time. You agree to access and use the Visa Product and any optional Visa services available through the Visa Product in accordance with the Documentation, the Visa Developer Platform Terms of Use and any other applicable terms or agreements that may be referred to in these Visa Product Terms.

2.  Depending on how you enroll for, access and use the Visa Product, Your intended use case for the Visa Product and Your use of any optional Visa services available through the Visa Product, You may be required to accept other terms of use or enter into a separate agreement with Visa.

3. You acknowledge that authorization controls edit rules that are powered by the Visa Product can only be applied in respect of transactions made on Visa branded cards (including virtual cards and where applicable, physical cards) where such transactions are processed through VisaNet.  In addition, the performance of authorization controls is dependent on the presence and quality of the direct or derived data in the transaction message.  You acknowledge that authorization controls will not work correctly if any of the required data is missing, inconsistent or inaccurate.

4.  You acknowledge and agree that to the extent permissible under applicable Laws, Visa does not make any representations nor provide warranties of any kind in connection with the Visa Product. Visa provides the Visa Product and the results on an “AS IS,” “WHERE IS” and “WITH ALL FAULTS” basis. Without limiting the generality of any limitations of liabilities in any applicable documents, and to the extent permissible under applicable Laws, You agree that Visa is not liable to You or any third party in relation to any use of or access to the Visa Product, including but not limited to any failure of authorization controls to block or allow a card transaction in accordance with edit rules selected by You and/or any Cardholder.

5.  To the extent that You choose to enable email or SMS notifications, You are solely responsible for: (i) the content of any email or SMS messaging, including ensuring that such messaging complies with applicable Laws; (ii) any email or SMS notifications sent prior to unenrollment by a user from the Visa Product or notification channel by You; and (iii) clearly and conspicuously disclosing to users that certain costs and expenses associated with participating in the Visa Product will not be covered or provided by Visa, including, without limitation, the following fees and costs:

(a) Users receiving notifications through SMS messages to mobile phones: the cost of obtaining a wireless carrier, an appropriate wireless data services plan, a compatible mobile device and/or any SMS message fees charged by the user’s carrier; and

(b) Users receiving notifications through email: access to a personal computer, Internet-enabled phone or other device used to receive emails, and associated costs charged by user’s Internet service provider.

6. If You are a Visa Member, You may provide authorization to Visa to enable Your corporate clients that are issued with Visa branded credentials by You (“Commercial Customers”) to use the Visa Product and such Commercial Customers shall enter into the Visa Developer Platform Terms of Use and these Visa Product Terms on their own behalf.  

7. If You provide Cardholder Information and/or other Personal Information in connection with Your or Your Commercial Customers’ (as applicable) use of the Visa Product, You confirm that all necessary consents required under Applicable Data Protection Law have been obtained (and You shall provide all necessary notices to the relevant individuals) to share such information with Visa for Visa’s Processing of the information for the purposes contemplated under these Visa Product Terms and the Documentation. Without limiting the foregoing, any Personal Information received by Visa in connection with Your or Your Commercial Customers’ use of the Visa Product will be processed in accordance with the Visa Developer Platform Terms of Use, including the Schedule thereto. 

8. If You are participating in the Visa Commercial Integrated Partner program, Your access to and use of this Visa Product will also be governed by the terms of the partnership agreement between You and Visa. In the event of any conflict between the terms of that partnership agreement and the Visa Developer Platform Terms of Use or these Visa Product Terms, the Visa Developer Platform Terms of Use and these Visa Product Terms (as applicable) shall prevail with respect to access to and use of the Visa Product. 

9.  Optional Intelligent Payment Controls Service.

The Visa Product incorporates certain optional artificial intelligence (AI) functionality known as the Intelligent Payment Controls Service that You and Your Commercial Customers (as applicable) may elect to use for the purpose of recommending potential payment controls that You and Your Commercial Customers (as applicable) may choose to apply to payment transactions. 

If You as the subscriber to the Visa Product  have elected for You or any of Your Commercial Customers and their users  to access and use the optional Intelligent Payment Controls Service of the Visa Product, including but not limited to, any large language model systems or AI capabilities made available for Your use of the Visa Product, You agree that the Visa Developer Platform Terms of Use and the following clauses 9 to 11 apply to You and Your Commercial Customers. You shall procure that: (i) Your Commercial Customers; and/or (ii) any other users, including cardholders of Your Commercial Customers authorized to access or use the Intelligent Payment Controls Service ((i) and (ii) are collectively, the “Users”), use or access the Intelligent Payment Controls Service in accordance with these Visa Product Terms and the Visa Developer Platform Terms of Use. 

The following capitalized terms have the definitions set out below:

(a) “Input” means any information, data or prompt that a user puts into the Visa Product and in the case of the Intelligent Payment Controls Service, may include an issuer BID and physical or virtual card credentials in respect of a payment transaction, and all prompts or questions entered by an authorized user.   

(b) “Output” means, without limitation, any: (i) prompts, recommendations, suggested controls, results, data and information generated by the Intelligent Payment Controls Service in any form whatsoever; or (ii) any content generated by Your interaction with an AI function or tool in the Visa Product. 

10. If You or Your Commercial Customers choose to use the Intelligent Payment Controls Service, each of You and the Users must also comply with any applicable third party terms, including the Microsoft Acceptable Use Policy for Online Services and other applicable Microsoft Product Terms, and applicable Laws. You agree to notify the Users of all terms and conditions that apply to their use of the Intelligent Payment Controls Service, ensure that they comply with such requirements, and indemnify Visa for any breach of such terms and conditions by any of the Users. 

11. Terms of Use. If You or Your Commercial Customers choose to use the Intelligent Payment Controls Service, You and Your Commercial Customers (as applicable) acknowledge and agree that: 

(a)  You are interacting with a generative AI system that may be continuously updated. Outputs may be unexpected, not unique, incomplete, inaccurate or outdated. You are solely responsible for verifying all Outputs and responses, including without limitation their appropriateness for Your use case. THIS INTELLIGENT PAYMENT CONTROLS SERVICE AND EACH OUTPUT  ARE PROVIDED ON AN “AS IS,” “WHERE IS” AND “WITH ALL FAULTS” BASIS WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. Visa does not guarantee that any Output is accurate, complete, current, suitable, reliable, error or hallucination free, or applicable to Your use case, and to the extent permissible under applicable Laws, DISCLAIMS ALL LIABILITY REGARDING THE ACCURACY, COMPLETENESS, CURRENCY, SUITABILITY, OR RELIABILITY OF ANY OUTPUTS PROVIDED. 

(b) You may not enter any Cardholder Information or Personal Information relating to Cardholders, or any other information that You know or have reason to believe You do not have the right to disclose, including without limitation information restricted from such disclosure by intellectual property or other rights. Without limiting any of the foregoing, to the maximum extent permitted by applicable Law, You hereby waive (or shall procure the waiver of) any moral rights or similar rights in any and all Input. It is Your responsibility to ensure that any Input You enter into the Intelligent Payment Controls Service complies with applicable Laws, and is not restricted by contracts (including the Visa Rules) or otherwise restricted from use under Your or Your customers’ legal or contractual obligations. For the avoidance of doubt, You shall ensure that any Input entered into the Intelligent Payment Controls Service will not constitute customer Personal Information or Confidential Information subject to any Visa Product Terms, Visa Developer Platform Terms of Use, or any other agreement You may have entered with Visa. 

(c) You grant Visa and its Affiliates a perpetual, royalty-free, worldwide license to use, reproduce, store and modify Input for the purpose of generating Output and providing the Intelligent Payment Controls Service, and all Input and Output may be used, reproduced, stored and modified by Visa or its Affiliates to train and enhance the Intelligent Payment Controls Service (including any of its technological tools) for subsequent use by You and/or other users.

(d) Output from the Intelligent Payment Controls Service is intended for informational purposes in connection with the applicable payment transaction only and may only be used by You for the sole purpose of assisting You to determine which (if any) payment controls to apply to a particular payment transaction based ultimately on Your independent judgment. 

(e) Without limiting any of the foregoing in this clause 11, Output shall not be relied upon for operational, marketing, legal, technical, tax, financial or investment decision-making, or any professional advice and should be independently evaluated by You for the purpose of the applicable payment transaction, Your specific business needs and applicable Laws.

(f) You may not: (i) disclose or share Output outside Your Organization; and/or (ii) use (or allow others to use) any AI system features or Output (including without limitation any data derived therefrom) for any benchmarking purpose, to create or develop or train or test or improve any similar or competitive product, or to create or develop or train or test or improve Your own AI system (including for the avoidance of doubt any machine learning algorithm or model).

(g) You shall not misuse or attempt to manipulate the Intelligent Payment Controls Service by: (i) submitting any Input intended to cause the Intelligent Payment Controls Service to operate outside its intended purpose; (ii) attempting to probe, test, or reverse engineer the underlying models or AI system; (iii) attempting to bypass or interfere with any technical or safety controls; or (iv) using the Intelligent Payment Controls Service in a manner that is unethical or inconsistent with responsible use of AI.

(h) Without limiting these Visa Product Terms or the Visa Developer Platform Terms of Use, or otherwise derogating from the Visa Rules, and to the extent permissible under applicable Laws, Visa neither makes any warranty or representation as to the completeness, accuracy, or usefulness of any Output, nor assumes any liability or responsibility that may result from Your application of or reliance on any such Output or the AI system. 

B If You are not a Visa Member but You are authorized by a Visa Member to access and use the Visa Product as an Agent of that Visa Member, Section B of these Visa Product Terms apply to You:

1. To use and access this Visa Product, You must provide evidence satisfactory to Visa that You are the Agent of a Visa Member for purposes of using this Visa Product.

2. Your access and use of this Visa Product is: (i) at the direction and on behalf of the Visa Member for which You are an Agent; (ii) only for the purpose of providing services to such Visa Member and; (iii) subject at all times to Your and such Visa Member’s ongoing compliance with the Documentation and the Visa Member’s ongoing compliance with the Visa Developer Platform Terms of Use and these Visa Product Terms, including any additional terms or agreements as required by the Visa Developer Platform Terms of Use and these Visa Product Terms.