Visa CLI Terms of Use

Last Modified: March 27, 2026

The Visa Command-Line Interface and related programmatic access tools ("Visa CLI") are offered by Visa International Service Association, a subsidiary of Visa Inc., and its Affiliates (collectively, "Visa"). By downloading, installing, accessing, or using the Visa CLI software, any associated documentation, or any Paid Services (collectively, the "Software"), you acknowledge and agree to be bound by these Visa CLI Terms of Use (the "Terms").

Visa may update these Terms from time to time in its sole discretion. When changes are made, Visa will post the updated Terms on this page and indicate the date these Terms were last revised. Except where prohibited by applicable law, your continued use of the Software after the effective date of any changes constitutes acceptance of the revised Terms. If you do not agree to these Terms, you must immediately cease using the Software.

Early Beta; Experimental Software; Assumption of Risk. The Software is provided as a pre-release, early beta reference implementation for evaluation and testing purposes only. You are solely responsible for all transactions initiated through the Software using your credentials, whether initiated by you directly or by any automated system, AI agent, or third-party software operating under your instructions.
Use of the Software is at your own risk. To the extent you use your own personal equipment, devices, or systems to access or use the Software, you are solely responsible for such equipment, including its security, configuration, maintenance, and any consequences arising from its use. The Software is experimental in nature, has not been fully tested, and may contain defects, errors, vulnerabilities, or other issues that could cause failures, inaccuracies, security risks, data loss, service interruptions, or other adverse outcomes, including unintended and erroneous transactions. The Software is not a production-ready product and is not intended for general availability, commercial release, or widescale deployment. By using the Software, you expressly acknowledge that you are voluntarily opting in to act as an early tester of an experimental offering and that you assume all risks associated with such use.
Use of the Software.
1. Eligibility and Authority. By accessing or using the Software, you represent and warrant that you are at least 18 years of age and that you have the legal capacity to enter into these Terms. You may access and use the Software solely on your own behalf and not on behalf of any legal entity. Use of the Software by or for any corporation, partnership, organization, or other legal entity is expressly prohibited.
2. License Grant. Subject to your compliance with these Terms, Visa grants you a personal, non-exclusive, non-sublicensable, non-transferable, revocable, limited license to use the Software to (i) access services offered by third-party providers ("Third-Party Services") and (ii) access certain Visa-provided services (e.g. card payment enablement, tokenization, authentication, etc.) in exchange for a fee (each of the foregoing, a "Paid Service"). Subject to the foregoing, you may download, install, access, review, and use the Software solely for: (i) evaluation and testing purposes; and (ii) incorporating, integrating, and using the Software within your Application(s) as necessary to evaluate and test your Application(s) and the Software's functionality in connection with your Application(s), and for no other purpose. The license granted is limited to Visa Intellectual Property Rights embodied in and necessary for the implementation of the Software and does not include any other Visa IP. Any rights not expressly granted herein are reserved by Visa.
3. Restrictions.
  1. Use Restrictions. You agree that you will not, and will not attempt to, directly or indirectly: (a) jailbreak, hack, reverse engineer, decompile, disassemble, or otherwise attempt to derive the underlying models or system architecture of the Software; (b) circumvent, disable, or interfere with any security features, spending limits, approval mechanisms, or safeguards, including by masking IP addresses or using proxy services; (c) misuse the Software or use it for any unlawful, infringing, or unauthorized purpose; (d) modify, adapt, or create derivative works of the Software except as expressly permitted by Visa; (e) use the Software to build a competitive product or service, or to benchmark the Software for competitive purposes; or (f) use the Software in any manner inconsistent with its intended purpose or applicable documentation.
  2. Geographic Restrictions. The Software is available only to U.S. cardholders, and you represent and warrant that any card used in connection with the Software is issued by a financial institution located in the United States. Use of the Software by non-U.S. cardholders or outside the United States is prohibited.
4. Permissions. You are solely responsible for securing and maintaining all necessary licenses, permissions, and rights required to develop, operate, and use your Application(s) or any services supported by you that implement or incorporate the Software, as required under applicable laws, rules, or third-party terms. Visa is not responsible for failures to obtain or maintain such licenses or permissions.
Third-Party Services. Please be aware that Third-Party Services are provided by third-party providers not affiliated with Visa. Visa does not sell, provide, operate, control, endorse, or guarantee any Third-Party Services that originate from a source other than Visa and Visa is not an agent of any third party provider. Visa makes no representations or warranties, and assumes no responsibility, regarding the availability, performance, accuracy, legality, reliability, appropriateness or quality of any Third-Party Services, or for any content, outputs, or software generated by or through Third-Party Services. Third-Party Services and related content may be modified, limited, suspended, or discontinued at any time by the applicable third-party provider, with or without notice. Your use of any Third-Party Services is subject to the applicable third-party provider's terms of use, acceptable use policies, privacy policies, data handling practices, and other applicable terms. Visa is not a party to, and does not control or assume responsibility for, any agreement between you and a third-party provider.
Programmatic and Automated Access. The Software may be accessed via command-line interface tools, APIs, access keys or other programmatic means (collectively, "Programmatic Access"). If you use Programmatic Access, you acknowledge and agree that:
1. No Confirmation Step. Transactions initiated through Programmatic Access may execute immediately and irreversibly upon satisfying applicable conditions, without any secondary confirmation prompt. You are solely responsible for ensuring that any automated system you operate or authorize is correctly configured before enabling it to interact with the Software.
2. Agent and Automated Systems. If you authorize or cause any third-party software or AI system to access the Software using your credentials, you assume full responsibility for all actions taken by such systems as if you had taken those actions directly. Visa does not distinguish between human-initiated and machine-initiated transactions.
3. Credential Authority. Visa has no ability to verify whether a request submitted through Programmatic Access using valid credentials was authorized by you or resulted from unauthorized access, misconfiguration, or user error. You are solely responsible for securing your credentials and for all activity occurring through Programmatic Access.
4. No Safeguard Guarantee. Any spending limits, rate limits, or access controls made available through the Software are provided as a convenience only and are not guaranteed to prevent all unintended transactions in all circumstances, including due to network conditions, race conditions, or software errors. You are solely responsible for implementing independent controls and monitoring on your own systems.
AI-Generated Content and Data Sources. The Software may enable access to Third-Party Services that provide artificial-intelligence-generated outputs, including without limitation images, audio, music, text, code, or data derived from third-party data sources ("AI-Generated Content"). AI-Generated Content is produced automatically by third-party systems and may be inaccurate, incomplete, misleading, offensive, or otherwise unsuitable for your intended use. Visa does not review, curate, filter, screen, moderate, or validate AI-Generated Content and makes no representations or warranties regarding its accuracy, legality, originality, non-infringement, or fitness for any particular purpose. You are solely responsible for evaluating, reviewing, and determining the appropriateness of any AI-Generated Content or data obtained through the Software before using, relying on, publishing, or distributing it. You acknowledge that AI-Generated Content may be subject to intellectual property, licensing, attribution, or usage restrictions imposed by the applicable third-party provider or underlying data sources, and that you are responsible for complying with all such requirements. Visa does not guarantee that AI-Generated Content is free from third-party rights or claims. Your use of AI-Generated Content is at your own risk.
Visa CLI Transactions. Visa CLI may allow you to initiate payment transactions using an eligible payment method for the Paid Services. In using Visa CLI for such purpose, you authorize Visa to initiate a charge or debit to that payment method as necessary to process the transaction. Any payment transaction initiated through Visa CLI is processed using your input payment method and is subject to applicable network rules, issuer approval, and spending or usage controls. You acknowledge that transactions may be resubmitted for processing in the event of a decline or failure. Visa may delay, limit, or decline processing of transactions that appear suspicious, may involve fraud or misuse, or may violate applicable law, these Terms, or Visa policies. Any transactions conducted using the Software are funded solely by you using your own personal funds and such funds are not sponsored, funded, reimbursed, or guaranteed by Visa. Transactions executed through the Software are final, and no returns, replacements or refunds are permitted, except as expressly required by applicable law. Not all cards, issuers, or payment methods are supported, and Visa does not guarantee that any particular card or issuer will be eligible for use with the Software.
Confidentiality. The Software constitutes confidential and proprietary information of Visa. You agree to treat the Software as Visa confidential information and to protect it using at least the same degree of care you use to protect your own confidential information of similar sensitivity, but in no event less than a reasonable standard of care. You may use and disclose the Software solely to the extent necessary to exercise the license expressly granted herein and for no other purpose, and you shall not disclose, provide, make available, or otherwise share the Software, in whole or in part, with any third party without Visa's prior written consent.
Submissions. If you transmit to Visa any Feedback in any form or manner, you grant to Visa and its designees a royalty-free, fully paid, transferable, sublicensable, non-exclusive, irrevocable, perpetual, unrestricted, worldwide license to publish, transmit, perform, display, modify, create derivative works from, and otherwise use or exploit, such Feedback and any related Intellectual Property Rights, for any purpose, including, without limitation, advertising and promotional purposes, in any media, now or hereafter known, without any credit, notice, approval or compensation to you. Without limitation thereof, you agree that Visa and its designees are free to use any ideas, concepts, know-how or techniques contained in any Feedback you provide for any purpose whatsoever, including, without limitation, developing and marketing products, services and content. Furthermore, any Feedback you transmit to Visa, even if marked as confidential, shall not create any confidentiality obligations on the part of Visa unless otherwise agreed in a separate, signed agreement.
Modifications. Visa retains all right, title and interest in and to Software, including any and all Intellectual Property Rights therein and thereto. You are not authorized to make any Modifications to the Software (except as provided herein), provided, however, that your (i) implementation of the Software within your Application(s) or use of or reference to the Software in the creation of your Application(s) or (ii) translation of the Software into a different or new programming language, each in strict compliance with these Terms, shall not be deemed a violation of this provision. If you make any unpermitted Modifications, you hereby assign, and will assign to Visa, all right, title, and interest in, or to, such Modifications that you or your Affiliates may create, and the associated Intellectual Property Rights, and will execute, or cause the relevant Affiliate or employee to execute, and deliver any documents that Visa may reasonably require to effect such assignment and transfer.
Compliance with Laws. You shall use the Software in compliance with all applicable laws, rules, regulations, and governmental orders, including without limitation all applicable export control, sanctions, data protection, and anti-money laundering laws.
Taxes. "Taxes" means any duties, customs fees, levies or taxes (other than income tax) associated with the sale of Paid Services, including any related penalties or interest. You are responsible for any Taxes and must pay for Paid Services without any reduction for Taxes.
Visa Updates. Visa may, in its sole discretion, make updates, modifications, or changes to the Software from time to time (each, a "Visa Update"). Any Visa Update made available to you will be subject to these Terms or such other terms as Visa may specify.
Termination. Visa may, at any time and without notice, suspend or terminate your access to the Software. Upon expiration or termination, all rights and licenses granted to you under these Terms will immediately terminate, and you must cease all use of the Software, including in connection with any existing or future Applications.
LIMITATIONS OF LIABILITY. THE SOFTWARE IS PROVIDED "AS IS", "AS AVAILABLE", "WITH ALL FAULTS" BASIS WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NONINFRINGEMENT. TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL VISA OR ITS AFFILIATES, OR THEIR RESPECTIVE DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, OR SERVICE PROVIDERS, BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY DAMAGES, OR DAMAGES FOR LOSS OF PROFITS INCLUDING BUT NOT LIMITED TO, DAMAGES FOR LOSS OF GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES (EVEN IF VISA AND ITS AFFILIATES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES), WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, ARISING FROM, OUT OF OR IN CONNECTION WITH THE SOFTWARE OR THE USE OR OTHER DEALINGS IN THE SOFTWARE. TO THE MAXIMUM EXTENT PERMITTED BY LAW, VISA'S TOTAL AGGREGATE LIABILITY FOR ANY AND ALL CLAIMS ARISING OUT OF OR RELATING TO THE SOFTWARE, ANY TRANSACTION, ANY THIRD-PARTY SERVICES, ANY CONTENT OR OUTPUTS, OR THESE TERMS SHALL NOT EXCEED ONE HUNDRED U.S. DOLLARS (US $100).
Indemnification. You agree to defend, indemnify, and hold harmless Visa and its Affiliates, and their respective directors, officers, employees, and agents or service providers, from and against any and all claims, demands, actions, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or relating to: (a) your Application(s) or any services you develop, operate, or support that implement or use the Software; (b) your use of the Software, any Third-Party Services, or any content or outputs accessed or generated through the Software; (c) your violation of these Terms, applicable law, or any third-party terms; or (d) your infringement, misappropriation, or violation of any intellectual property, privacy, publicity, or other rights of any third party.
Survival. Sections relating to Intellectual Property Rights, disclaimers, limitations of liability, indemnification, confidentiality, and any other provisions which by their nature should survive, shall survive any expiration or termination of these Terms.
Governing Law and Dispute Resolution. All claims arising out of or relating to these Terms shall be governed by the laws of the State of New York, without regard to its conflicts of law principles. Any dispute arising out of Terms shall be solely and finally resolved through binding arbitration administered by JAMS in accordance with the then-current JAMS Comprehensive Arbitration Rules. Any dispute shall be arbitrated on an individual basis. No party may join or consolidate claims in arbitration by or against others. The arbitration hearing shall be held in San Francisco, California in English. The Parties shall maintain the arbitration proceeding, its contents, and the award as confidential information. To the extent reasonably necessary to prepare for or conduct the arbitration proceeding, each Party may use confidential information, subject to obtaining reasonable confidentiality protections in such instances.
Entire Agreement. These Terms constitute the entire agreement between you and Visa and govern your use of the Software, superseding any prior agreements between you and Visa with respect to the Software. The failure of Visa to exercise or enforce any right or provision of these Terms will not constitute a waiver of such right or provision. If any provision of these Terms is found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the court should endeavor to give effect to the intention as reflected in the provision, and the other provisions of these Terms remain in full force and effect.
Definitions.
- "Affiliate" means any entity that controls, is controlled by, or is under common control with a party.
- "Application(s)" means your systems, devices, software or solution, or any functionality, component or aspect thereof, that is accessing and/or using, or for which you are requesting access and/or use, of the Software.
- "Feedback" shall mean any and all suggestions or comments, or other works or information provided by or on behalf of you or any Affiliate to Visa for use in connection with, or otherwise relating to, the Software, or a Visa product, program or service, or any portion thereof.
- "Intellectual Property Rights" shall mean all intellectual property rights on a worldwide basis, including (i) all rights under all classes or types of patents and applications thereof and equivalent or similar rights anywhere in the world in inventions and discoveries in all countries of the world, (ii) trademarks (whether registered or unregistered), trademark applications, trade names, service marks, (iii) copyrights (whether registered or unregistered), copyright applications, mask work rights, moral rights, and other rights in works of authorship, (iv) trade secrets, know-how, processes, technology, development tools, ideas, concepts, design rights, data base rights, methodology, algorithms and inventions, (v) any other proprietary rights in technology of every kind and nature, and (vi) any rights to use or exploit any of the foregoing.
- "Modifications" shall mean any modifications, changes, enhancements, adaptations, combinations, alterations, corrections, error-fixes, improvements, updates, derivative works or upgrades of or to the Software or any portion or component thereof.