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non-Visa PINLess Debit Card Transactions


We allow non-Visa debit transaction processing.

This means you may use your Visa® Check Card on

a PIN-Debit Network* (a non-Visa network) without

using a PIN to authenticate your transactions.

The non-Visa debit network for which such

transactions are allowed are NYCE

ACCEL/Exchange

Examples of the types of actions that you may be

required to make to initiate a Visa transaction on

your Visa Check Card include signing a receipt,

providing a debit card number over the phone or

via the Internet, or swiping the debit card through a

point-of-sale terminal.

Examples of the 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, or kiosk locations), responding to a 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.

Please be advised that the terms and conditions

of your agreement with us relating to Visa debit

transactions do not apply to non-Visa debit

transactions. For example, the additional limits

on liability (sometimes referred to as Visa’s

zero-liability program) and the streamlined error

resolution procedures offered on Visa debit card

transactions are not applicable to transactions

processed on a PIN-Debit Network.

If you have any questions about non-Visa debit

transactions, please give us a call at 800-639-2206.

*Visa rules generally define PIN-Debit Network as a non-Visa debit network

that typically authenticates transactions by use of a personal identification

number (PIN) but that is not generally known for having a card program.