Non-Visa Debit Transaction Processing Disclosure
We have enabled non-Visa debit transaction processing. This means you may use your Visa Debit Card on a PIN-Debit Network without using a PIN, (Visa Rules generally define “PIN Debit Network” – as a non-Visa debit network that typically authenticates transactions by use of a personal identification number, or “PIN”, but that is not generally known for having a card program.)
Example of non-Visa debit network for which such transactions are enabled is Star.
Examples of the types of actions that you may be required to make to initiate a Visa transaction on your Debit Card include; signing a receipt, providing a card number over the phone or via the Internet, or swiping the card through a point-of-sale terminal.
Examples of types of actions you may be required to make to initiate a transaction on a PIN-Debit Network include; initiating a payment directly with the biller (possibly via telephone, Internet, kiosk locations, discount retail merchants, restaurants, or kiosk locations), responding to logo displayed at a payment site and choosing to direct payment through that network, and having your identity verified using known information derived from an existing relationship with you instead of through the use of a PIN.
The provisions of your agreement with us relating only to Visa transactions are not applicable to non-Visa transactions. For example, the additional limits on liability (sometimes referred to as Visa’s zero-liability program) and the streamlined error resolution procedures (sometimes referred to as Regulation E) offered on Visa debit card transactions are not applicable to transactions processed on a PIN-Debit Network.