Visa Core Rules and Visa Product and Service Rules

Systems it applies to

This document record is not bound to a ClearingPost payment system (schemes: visa).

Publisher: Visa →

Versions ClearingPost holds (3)

1. 18 April 2026effective 18 Apr 2026current

   What changed: Bi-annual rules update. Adds agentic transaction provisions requiring identity verification per Visa Intelligent Commerce specifications and provisioned token use. CE3.0 framework supports multi-merchant transactions for liability protection. Updates to Cash-Back Requirements, Dispute Conditions for Visa Mobility/Transport deferred authorization, and Good Faith Issuer/Acquirer Requirements for Original Credit Transactions.

   This version at the publisher ↗
2. October 2025 V1.1effective 18 Oct 2025

   What changed: Bi-annual rules update covering changes effective 18 October 2025 and 18 April 2026: Digital Commerce Authentication Program (DCAP) Participation Requirements defined; Visa Payment Passkey launch in AP Region (except Bangladesh/Bhutan/India/Nepal), Canada, and Europe; Terminated Merchant Information consolidated and globalised; OCT Good Faith Collaboration requirements for issuers and acquirers; updates to Dispute Condition 10.4

   This version at the publisher ↗
3. April 2025 V1.1effective 12 Apr 2025

   What changed: Previous bi-annual release; included changes effective 12 April 2025, 18 October 2025, and 18 April 2026

   This version at the publisher ↗