Visa Merchant Business News Digest

Merchant Best Practices available on Visa.com

The Visa Merchant Business News Digest is an online publication, providing a summary of recent Visa Business News articles. We know how important it is for you to have the pertinent information quickly and clearly, and our mission is to make that as simple as possible. The digest provides highlights of key merchant-related publications, but is not intended to be a complete list. As always, please work with your acquirer for further information on released publications and applicable announcements.

Updates to PIN Assessors and Requirements for PIN Security Program

REGIONS: US, AP, Canada, CEMEA, LAC, Europe
28 FEB 2019

Visa Approved PIN Security Assessors are migrating to a new assessor program managed by the Payment Card Industry Security Standards Council (PCI SSC). Visa PIN Security Program participants will be required to use a PCI Qualified PIN Assessor (QPA) for all on-site PIN assessments beginning 1 October 2019.

All on-site PIN assessments beginning on 1 January 2020 and after must validate to version 3 of the PCI PIN security requirements.

Updated PCI SSC Publications Available to Assist With Security Efforts

REGIONS: US, AP, Canada, CEMEA, LAC, Europe
7 FEB 2019

The PCI SSC, which develops and manages payment card security standards to protect payment card data, has updated two previously published information supplements to provide additional security guidance to address compliance, data security challenges and evolving technology.

Visa encourages all organizations to review the following updated materials and share them with customers, as appropriate:

Information Supplement: Protecting Telephone-Based Payment Card Data, Version 3.0: Discusses fundamental principles associated with applying Payment Card Industry Data Security Standards (PCI DSS) and best practices for securing telephone-based account data in a telephone environment.

Best Practices for Maintaining PCI DSS Compliance, Version 2.0: Provides best practices for maintaining compliance with PCI DSS after an organization has already undergone an initial PCI DSS assessment and successfully achieved compliance.

Contactless Payments Issuance Requirements Will Take Effect in Key Countries

REGIONS: Europe
17 JAN 2019

Issuers are reminded that all newly issued Visa chip cards configured for use at POS terminals must support contactless functionality or be issued along with a contactless micro tag or mobile near-field communication solution.

PCI SSC Publishes New Software Security Framework

REGIONS: AP, Canada, CEMEA, LAC, Europe
17 JAN 2019

To facilitate secure, reliable and accurate payments, the systems and software used as part of the transaction flow must be designed, developed and maintained in a manner that protects the integrity of payment transactions and the confidentiality of all sensitive data that they store, process or transmit

The Payment Card Industry Security Standards Council (PCI SSC) has published the new Software Security Framework in order to provide software vendors with updated security requirements and assessment procedures for payment software.

In this initial publication, the Software Security Framework includes two standards:

  • The Secure Software Standard, intended for software vendors that develop payment software that is sold, distributed or licensed to third parties, outlines security requirements and assessment procedures to help ensure payment software adequately protects the integrity and confidentiality of payment transactions and data.
  • The Secure Software Lifecycle (Secure SLC) Standard outlines security requirements and assessment procedures for software vendors to validate how they properly manage the security of payment software throughout the software lifecycle.
  • Both standards are designed for use as part of the PCI Software Security Framework and are intended for software vendors that develop software for the payments industry. Software vendors wishing to validate payment software under the PCI Software Security Framework should use the PCI Secure Software Standard. In addition, software vendors may opt to validate their Secure SLC practices for that payment software using the PCI Secure SLC Standard.

    Transition from the Payment Application Data Security Standard

    While the PCI Software Security Standards include elements of the Payment Application Data Security Standard (PA-DSS), the standards represent a new approach for securely designing and developing both existing and future payment applications. The overarching PCI Software Security Framework is designed to support a broader array of payment software types, technologies and development methodologies currently in use and also to support future technologies and use cases.

    Visa clients, as well as their agents and merchants, must use only secure, validated payment applications that do not retain prohibited data elements. While the PA-DSS and Software Security Framework is intended for payment software that is sold, distributed or licensed to third parties, payment software that is developed in-house or customized for a single customer can also benefit when the requirements are applied as a best practice.

Global Acceptance Best Practices Guide for Fuel Merchants Now Available

REGIONS: AP, Canada, CEMEA, LAC, Europe
10 JAN 2019

A best practices guide for fuel merchants and their acquirers and processors is available at Visa Online. The guide covers the benefits of accepting Visa and information on how to get started.

In response to client needs, Visa has developed a fuel global acceptance best practices guide to help clients navigate the evolving marketplace and complexities in the fuel segment. The Visa Global Acceptance Best Practices for Fuel Merchants guide is intended for audiences in all regions except the U.S., which is covered in a separate guide.

In this acceptance guide, Visa recommends best practices and covers a variety of acceptance topics including:

  • Authorization models and fuel transaction types
  • Transaction processing models
  • Recommendations for optimizing the cardholder experience
  • Risk mitigation tools for fraud and cardholder disputes
  • Applicable Visa rules and polices
  • Cardholder data security

Merchants should always discuss specific implementation requirements with their acquirer and/or processor to ensure that all Visa requirements, local regulations and specifications are met.

Changes to Account Information Security Reporting in Europe

REGIONS: Europe
6 DEC 2018

Changes to Account Information Security (AIS) reporting in Europe will simplify and align AIS reporting globally.

Debit Identification in the UK Must Be Updated

REGIONS: Europe
29 NOV 2018

Visa is reminding domestic and cross-border acquirers of UK transactions of the importance of communicating and using updated BIN details, in particular regarding UK debit product information to their merchants and other relevant parties.

Visa 3DS 2.0 Performance Programme Rules

REGIONS: US, AP, Canada, CEMEA, LAC, Europe
25 OCT 2018

Visa is updating its 3-D Secure (3DS) programme to support the updated EMV 3-D Secure specification, also referred to by the industry as 3DS 2.0. As part of the programme update, issuer and merchant performance requirements are being established to ensure the Visa 3DS 2.0 programme is deployed in a manner that will help to reduce fraud, enable effective authentication decision-making, and allow for a seamless user experience.

Reminder and Clarification on New Merchant Category Code for Marketplaces

REGIONS: US, AP, Canada, CEMEA, LAC, Europe
11 OCT 2018

Acquirers and issuers are reminded that Visa is introducing a new merchant category code (MCC) for marketplaces. Visa is also clarifying applicable usage of the new MCC to sell goods/services within a single line of business.

Visa Rules Will Be Updated to Streamline Cardholder and Merchant Interaction at the Point of Sale

REGIONS: US, AP, Canada, CEMEA, LAC, Europe
27 SEP 2018

Recently announced acceptance policy changes, evolving and innovative new products, and changing risk parameters have created an opportunity to streamline Visa's requirements for merchants to identify and verify cardholders at the point of interaction in face-to-face environments. These updates will remove outdated requirements and practices, reduce friction and clarify a merchant's responsibility for verifying cardholders at the point of interaction.

Original Credit Transaction Terminology in Visa Direct Rules Updated 

REGIONS: US, AP, Canada, CEMEA, LAC, Europe
20 SEP 2018

Visa Direct-related rules and terminology have been updated to bring consistency and alignment with the nomenclature changes introduced in December 2017 in the Visa Direct Original Credit Transaction Global Implementation Guide. p>

Increase in Payment Facilitator Annual Transaction Volume Limit for India 

REGIONS: US, AP, Canada, CEMEA, LAC, Europe
20 SEP 2018

The maximum annual transaction volume limit for payment facilitator / acquirer direct merchant agreement will be increased from USD 100,000 to USD 1 million in India.

Europe Contactless Terminal Implementation Guidelines Updated to Support Compliance with SCA Requirements Under the PSD2

REGIONS: US, AP, Canada, CEMEA, LAC, Europe
13 SEP 2018

All acquirers and merchants in the Europe region are encouraged to follow the contactless terminal implementation guidelines, which have been updated to facilitate compliance with the European Banking Authority (EBA)’s strong customer authentication (SCA) requirements, based on the revised Payments Service Directive (PSD2) provisions.

Verified by Visa Endpoints Must Support Failover Processing 

REGIONS: US, AP, Canada, CEMEA, LAC, Europe
6 SEP 2018

Visa will be updating all Verified by Visa server environments to better support redundancy.

PCI PIN Security Requirements Updated 

REGIONS: US, AP, Canada, CEMEA, LAC, Europe
6 SEP 2018

The Payment Card Industry Security Standards Council (PCI SSC) has published version 3.0 of the PCI PIN security requirements. 

PCI SSC Publishes New Guidance for Small Merchants

REGIONS: US, AP, Canada, CEMEA, LAC, Europe
6 SEP 2018

Visa encourages clients and small merchants to review the simplified guidance documents on protecting payment card data published by the Payment Card Industry Security Standards Council (PCI SSC).

3DS 2.0 Service for Processing Secure E-commerce Transactions Available and Updated Activation Dates

REGIONS: US, AP, Canada, CEMEA, LAC, Europe
30 AUG 2018

Visa 3-D Secure (3DS) 2.0 service is now available for clients and merchants to enhance the security of e-commerce transactions. In addition, updated regional activation dates that define when fraud liability extends to issuers that do not participate in 3DS 2.0 are now available.

Update on Authorization Changes to Support PSD2 Strong Customer Authentication

REGIONS: US, AP, Canada, CEMEA, LAC, Europe
16 AUG 2018

Effective with the January 2019 VisaNet Business Enhancements release, Visa will implement new fields to support strong customer authentication requirements within the upcoming Payments Service Directive 2/Regulatory Technical Standards (PSD2/RTS) regulations. Additionally, Visa will implement a new response code.

Visa Token Service Will Expand for Adyen

REGIONS: US, AP, Canada, CEMEA, LAC, Europe
16 AUG 2018

Visa will introduce a new credential-on-file use case with Adyen to accelerate the deployment of Visa tokens to e-commerce merchants.

Visa Account Funding Transaction Processing Guide Updated

REGIONS: US, AP, Canada, CEMEA, LAC, Europe
9 AUG 2018

Visa has updated the Visa Account Funding Transaction (AFT) Processing Guide. Clients and their partners that originate or receive AFTs should review the updated guide for information on how to best support these transactions.

Visa Token Service Will Expand for Use Case with Cherri Tech, Inc.

REGIONS: US, AP, Canada, CEMEA, LAC, Europe
9 AUG 2018

Visa will introduce a new merchant credential-on-file use case with payment service provider Cherri Tech, Inc. to accelerate the deployment of Visa tokens to e-commerce merchants.

Test Encryption Keys in VCMS Must Be Provided by Visa

REGIONS: US, AP, Canada, CEMEA, LAC, Europe
9 AUG 2018

Effective April 2019, clients and processors must use Visa-provided test encryption keys for testing in the VisaNet Certification Management Service (VCMS). Clients and processors must upgrade their VisaNet Test System –VisaNet Integrated Payment, host security modules and test host systems to support the Visa-provided test encryption keys.

Visa Direct OCT Global Implementation Guide Updated

REGIONS: US, AP, Canada, CEMEA, LAC, Europe
2 AUG 2018

Visa has updated the Visa Direct Original Credit Transaction (OCT) – Global Implementation Guide. Clients and their partners that originate or receive Visa Direct original credit transactions (OCTs) should review the updated guide for information on how to enable and support services such as money transfers, funds disbursements, prepaid loads and credit card bill payments.

Ensuring Network Integrity—Reminder to Focus on Data Quality

REGIONS: US, AP, Canada, CEMEA, LAC, Europe
26 JUL 2018

Visa is reminding all clients to review their system setup and transaction coding to ensure compliance with Visa rules.

Europe Contactless Magnetic-Stripe Data Transactions Will Be Blocked By V.I.P. System

REGIONS: US, AP, Canada, CEMEA, LAC, Europe
26 JUL 2018

For all Europe region-issued card payment devices, the VisaNet Integrated Payment (V.I.P.) System will block all contactless magnetic-stripe data transactions. This will affect all Europe region issuers, acquirers and merchants worldwide.

PCI Software-based PIN Entry on COTS Device Standard and Programme Published

REGIONS: US, AP, Canada, CEMEA, LAC, Europe
26 JUL 2018

The Payment Card Industry Security Standards Council (PCI SSC) has published a standard for protecting PIN-based transactions on commercial off-the-shelf (COTS) devices. Merchants accepting PIN-based transactions via COTS devices must use or transition to a PCI-validated software-based PIN entry on COTS solution by 31 July 2019.

Support for Key Exchange in Key Block Format

REGIONS: US, AP, Canada, CEMEA, LAC, Europe
19 JUL 2018

All organisations that exchange keys with Visa should plan to transition from variant format encryption to key block format encryption. The ability to perform key exchanges with Visa in variant format will not be supported by Visa after June 2021.

Visa Token Service Will Expand for CyberSource

REGIONS: US, AP, Canada, CEMEA, LAC, Europe
19 JUL 2018

Visa will introduce a new credential-on-file use case with CyberSource to accelerate the deployment of Visa tokens to e-commerce merchants.

Updated PCI SSC Guidance on SSL and Early TLS

REGIONS: US, AP, Canada, CEMEA, LAC, Europe
21 JUN 2018

The Payment Card Industry Security Standards Council (PCI SSC) has updated the information supplements to provide guidance to merchants and service providers using Secure Sockets Layer/early Transport Layer Security for card-present POS point of interaction terminal connections after 30 June 2018, as well as the impact on Approved Scan Vendor scans in such cases.

Updates to Visa PIN Security Website Include Europe Integration

REGIONS: US, AP, Canada, CEMEA, LAC, Europe
21 JUN 2018

The Visa PIN security website has been updated to provide news about the PIN Security Programme and includes important information about the Europe PIN Security Programme integration.

Visa Sensory Branding Introduced

REGIONS: US, AP, Canada, CEMEA, LAC, Europe
21 JUN 2018

Visa Sensory Branding elements consisting of the Visa brand animation, the Visa brand sound and the Visa brand haptic are now available for use in client applications. Visa Sensory Branding elements can be downloaded as a software development kit for iOS, Android and web through the Visa Developer Platform.

Visa Merchant Data Standards Manual Updated

REGIONS: US, AP, Canada, CEMEA, LAC, Europe
7 JUN 2018

The Visa Merchant Data Standards Manual has been updated to provide more clarity related to merchant category code definitions for transactions involving non-fiat currency and money transfer merchants. The document remains publicly available at visa.com to make it easily accessible to all clients, merchants, agents and processors.

Signature Requirement Will Become Optional for EMV-enabled Merchants Everywhere

REGIONS: US, AP, Canada, CEMEA, LAC, Europe
31 MAY 2018

Visa is making the requirement to capture and validate a signature optional for all EMV-enabled merchants across all Visa regions. Visa is also removing the requirement to keep transaction receipts, and is prohibiting issuers from initiating retrieval requests for transactions at all EMV-enabled merchants. These changes were previously announced for the US, Canada and LAC regions, and now reflect a global policy.

Authorisation Changes to Support Strong Customer Authentication

REGIONS: Europe
31 MAY 2018

Visa will implement new fields to support strong customer authentication requirements within the upcoming Payments Service Directive 2 / Regulatory Technical Standards regulations. Additionally, Visa will implement a new response code.

The new Payments Service Directive 2 / Regulatory Technical Standards rules take effect in September 2019. The new rules stipulate that strong customer authentication be performed on all transactions, with limited exceptions. Visa will implement changes to support these new requirements.

New Member Agent Registration Tool Introduced in Europe

REGIONS: Europe
24 MAY 2018

Changes to the member agent registration process in Europe will simplify and unify member agent registration across all regions.

As part of the ongoing integration process, Visa is introducing the Program Request Management tool for member agent registration in Europe. This will replace the manual member agent registration forms.

New Pilot to Open Card Acceptance at Electric Vehicle Charging Stations

REGIONS: Europe
24 MAY 2018

Visa will introduce a pilot programme to address card acceptance at electric vehicle charging stations in Europe.

PCI DSS Version 3.2.1 Published

REGIONS: US, AP, Canada, CEMEA, LAC, Europe
17 MAY 2018

Visa will only accept Payment Card Industry Data Security Standard (PCI DSS) validations that comply with version 3.2.1.

Fraud Reporting System Enhancements

REGIONS: US, AP, Canada, CEMEA, LAC, Europe
26 APR 2018

The Fraud Reporting System has been enhanced with operational and functional changes as part of the April 2018 VisaNet Business Enhancements release. The changes are centred on incorporating new fraud types that reflect a changing fraud landscape and updating programme rules around the fraud reporting process.

Sunsetting of Static Data Authentication Rules for Mass Transit

REGIONS: US, AP, Canada, CEMEA, LAC, Europe
12 APR 2018

Visa will sunset rules for issuance of transit-only Static Data Authentication (SDA) cards, as well as acceptance of SDA contactless payments in the mass transit environment. Following the sunset of these rules, Visa will require all new contactless cards and contactless-only terminals to support only fast dynamic data authentication.

Merchant Plug-in Validations for 3DS 1.0.2 Visa Token Service Transactions

REGIONS: US, AP, Canada, CEMEA, LAC, Europe
5 APR 2018

Effective immediately, for 3-D Secure 1.0.2 Visa Token Service transactions only, merchant plug-ins should not match the last four digits of the PAN received in the authentication response message with the value supplied in the initial verification enrolment request message. Other validation options are provided for these transactions.

Changes to the PIN Security Programme in Europe

REGIONS: Europe
5 APR 2018

Changes to the PIN Security Programme in the Europe region will simplify and unify PIN security validation across all regions.

Visa Direct: New Transaction Limit for Funds Disbursement OCTs

REGIONS: Europe
8 MAR 2018

A new transaction limit for funds disbursement original credit transactions (OCTs) will change from EUR 80,000 to USD 50,000 (or the submitted currency equivalent). This change will take effect when acquirers in Europe migrate to the global VisaNet BASE II clearing system, which is expected by 9 March 2018

Purchase Return Requirements Will Be Updated in the Visa Rules

REGIONS: US, AP, Canada, CEMEA, LAC, Europe
8 MAR 2018

Effective 13 April 2019, the Visa Rules will be updated to clarify merchant requirements for processing purchase returns. Visa recently announced new requirements to support the authorisation of credit transactions for purchase returns / refunds. In response to client feedback, Visa is further clarifying requirements for processing refunds.

Payment Facilitator Requirements Will Be Updated

REGIONS: US, AP, Canada, CEMEA, LAC, Europe
8 MAR 2018

Effective 13 October 2018 requirements for Europe payment facilitators will be aligned with global requirements to provide a more comprehensive risk practice. Existing European rules for payment facilitators requiring customer service to be provided in the language in which the services are offered will be expanded globally. Additionally, in cases where a cardholder can access the payment facilitator’s website directly, the payment facilitator will be required to clearly display customer service contact information.

Acceptance Rules Update and Simplification

REGIONS: US, AP, Canada, CEMEA, LAC, Europe
8 MAR 2018

Effective 14 April 2018, Visa is streamlining the Visa Rules by removing retired requirements, eliminating redundancies and simplifying language. Most of the changes will have no operational impact and have no action required.  

This digest consists of summaries only and does not supersede or modify Visa Business News publications. Please contact your Acquirer for further information about any publications. Actual Visa Business News articles are not public materials and should not be treated as public documents e.g. posting on merchant website, etc.

The Visa Business News was launched to Europe clients on 11 August 2016. Prior to that, announcements were communicated via Visa Europe Member Letter.