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Technology Specifications

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Specifications LicenseSubscriber Only
Licenses access to VSDC chip contact and contactless specifications. License must be signed by an officer of the company. Please scan and email the signed license to TechnologyPartner@visa.com
Specifications ScheduleSubscriber Only
Current list of materials included in the Specifications Schedule. This list will be updated periodically and applies to all companies with an Active license for this category.
Contact Chip Visa Smart Debit and Credit
Visa Integrated Circuit Card Specifications (VIS)
VIS 1.6
Visa Integrated Circuit Card Specification (VIS) 1.6Licensed
Published: Jan-16   Version: 1.6
Based on EMV, provides the technical details of chip card and terminal functionality related to Debit/Credit transactions. This newer version incorporates additional functionality not supported in VIS 1.5.
VIS 1.6 Updates List 1 (VIS 1.6.1)Licensed
Published: Mar-16   Version: 1.6
Updates to the VIS 1.6 specification. The combination of VIS 1.6, dated January 2016, and the updates in this document is referred to as VIS 1.6.1 (there is not a literal VIS 1.6.1 document).Note: Testing to this version will not be available. The first version of VIS 1.6 for which testing will be available is VIS 1.6.1.
VIS 1.6 Functional Changes from VIS 1.5.4 to 1.6.1Licensed
Published: Apr-17   Version: March 2017
This presentation provides an overview of the functional changes introduced in the Visa INtegrated Circuit Card Specification (VIS) 1.6 from the VIS 1.5.4 (VIS 1.5 with Updates List #4).
VSDC Personalization Specification 2.1 (for VIS 1.6 and VCPS 2.2)Licensed
Published: Jan-16   Version: 2.1
Based on EMV Card Personalization Specification (EMV-CPS), provides the technical details for personalization of VIS 1.6 or VCPS 2.2 applications using EMV-CPS. Note: Users of VIS 1.5 and VCPS 2.1 specifications should use the VSDC Personalization Specification 2.0.
VIS 1.5
Visa Integrated Circuit Card Specifications (VIS) 1.5Licensed
Published: May-09   Version: 1.5
Based on EMV, provides the technical details of chip card and terminal functionality related to Visa Smart Debit/ Credit transactions. Incorporates functionality not supported in VIS 1.4.1. ECCN 5E992 NLR
VIS 1.5 Updates List 3 (VIS 1.5.3)Licensed
Published: Mar-12   Version: 3
Updates to the VIS 1.5 specification. The combination of VIS 1.5, dated May 2009, and the updates in this document is referred to as VIS 1.5.3. (there is not a literal VIS 1.5.3 document). ECCN 5E992 NLR
VIS 1.5 Updates List 4 (VIS 1.5.4)Licensed
Published: Mar-12   Version: 4
Updates to the VIS 1.5 specification. The combination of VIS 1.5, dated May 2009, and the updates in this document is referred to as VIS 1.5.4. (there is not a literal VIS 1.5.3 document). ECCN 5E992 NLR
VIS 1.5 Updates List 5Licensed
Published: Jan-16   Version: 5
Updates to the VIS 1.5 specification, dated May 2009. The result of incorporating the updates in this document into VIS 1.5, dated May 2009, is VIS 1.6. Note: This document includes all updates previously published in the VIS 1.5 Updates List 1, List 2, List 3, and List 4.
VIS 1.5.3 and VIS 1.5.4 FAQsLicensed
Published: Mar-12   Version: 1
Describes the differences between VIS 1.5.3 and VIS 1.5.4, how to determine which version to use, and considerations related to the availability of testing to each version.Note: Testing to this version will not be available. The latest version of VIS 1.5 for which testing is available is VIS 1.5.4. This list is provided only to facilitate identification of the detailed edits that result in VIS 1.6 functionality.
VIS 1.5 and VCPS 2.1 Frequently Asked QuestionsPublic
Published: Jul-09   Version: 1
FAQ topics include a brief description of functional changes in each specification; who should migrate to the new versions; interoperability with previous versions, etc.
VSDC Personalization Specification (for VIS 1.5 and VCPS 2.1) 2.0.2Licensed
Published: Jun-14   Version: 2.0.2
Based on EMV Card Personalization Specification (EMV-CPS), provides the technical details for personalization of VIS 1.5 or VCPS 2.1 applications using EMV-CPS. Note: Users of VIS 1.4.1 and VCPS 2.0.2 specifications should use the VSDC Personalization Specification 1.0. ECCN 5E992 NLR
VSDC Personalization Specification 2.0 Updates List 2Licensed
Published: Jun-14   Version: 2
Contains corrections and clarifications to the VSDC Personalization Specification 2.0, dated Sept 2009. It consists mostly of errata and clarifications and includes one change based on functionality added in VIS 1.5.4. Applies to vendors implementing Personalization for VIS 1.5 and VCPS 2.1.
VSDC Personalization Specification 2.0 Updates List 3Licensed
Published: Jan-16   Version: 3
The Updates List contains corrections and clarifications to the VSDC Personalization Specification 2.0, dated Sept 2009. Note: This document includes all updates previously published in the VSDC Perso 2.0 Updates List 1, List 2.
VIS 1.4
Visa Integrated Circuit Card Specifications (VIS) 1.4.1Licensed
Published: Jun-08   
Based on EMV, provides the technical details of chip card and terminal functionality related to Visa Smart Debit and Visa Smart Credit transactions. Note: The Terminal Specification has been incorporated into the Transaction Acceptance Device Guide (TADG). ECCN 5E992 NLR
VIS 1.4.1 Updates List 1.0Licensed
Published: Mar-09   Version: 1
Updates to the VIS 1.4.1 specification since it was published. ECCN 5E992 NLR
VSDC Personalization Specification (for VIS 1.4.1 and VCPS 2.0.2) 1.0Licensed
Published: Mar-09   Version: 1
Based on EMV Card Personalization Specification (EMV-CPS), provides the technical details for personalization of VIS 1.4.1 or VCPS 2.0.2 applications using EMV-CPS. ECCN 5E992 NLR
Certificate Authority
VSDC Certificate Authority Technical Requirements Licensed
Published: Oct-16   Version: 2.3.8
Describes the interface formats for data exchanged between a VSDC issuer and the VSDC CA, including the format of VSDC CA Input File and Output File and distribution of the VSDC CA Public Keys. Note: Visa Public Keys for test and production have been combined in the standalone VSDC CA Public Keys document and removed from this Guide.
Visa Smart Debit/Credit Certificate Authority Public KeysPublic
Published: Oct-16   
Provides the VSDC Certificate Authority Public Keys. All field values are hexadecimal. Updated to include both test and production Public keys. Note: These keys are also used for dual interface (contact and contactless) cards that support offline transactions.
Contactless Chip Visa payWave
Visa Contactless Payment Specification 2.2
Visa Contactless Payment Specification (VCPS) Version 2.2Licensed
Published: Jan-16   Version: 2.2
Defines the requirements for conducting Visa payWave transactions at point-of-sale (POS) devices. Includes requirements for cards, POS devices and chip data messages. This specification is necessary to comply with globally interoperable Visa payWave programs.
Visa Contactless Payment Specification 2.1
Visa Contactless Payment Specification (VCPS) Version 2.1Licensed
Published: May-09   Version: 2.1
Defines the requirements for conducting Visa payWave transactions at point-of-sale (POS) devices. Includes requirements for cards, POS devices and chip data messages. This specification is necessary to comply with globally interoperable Visa payWave programs. ECCN 5E992 NLR
VCPS 2.1 Updates List 4Licensed
Published: Jan-16   Version: 4
Updates to the VCPS 2.1 specification. The result of incorporating the updates in this document into VCPS 2.1, dated May 2009, is VCPS 2.2. Note: This document includes all updates previously published in the VCPS 2.1 Updates List 1, List 2, and List 3. Note: Testing to this version is available as testing to VCPS 2.2. This list is provided only to facilitate identification of the detailed edits that result in VCPS 2.2 functionality.
VCPS 2.1 Updates List 3 (VCPS 2.1.3)Licensed
Published: Mar-14   Version: 3
Updates to the VCPS 2.1 specification. The combination of VCPS 2.1 (dated May 2009) and the updates in this document is referred to as VCPS 2.1.3. Note: This document includes all updates previously published in the VCPS 2.1 Updates List 2.
VCPS 2.1 Functional Changes (from VCPS 2.0.2 to VCPS 2.1)Licensed
Published: Jul-10   Version: 1.0
Provides an overview of the functional changes in VCPS 2.1 (relative to VCPS 2.0.2 with Additions and Clarifications 3.0).
Implementation Requirements for VCPS 2.1 with CPALicensed
Published: Oct-12   Version: 1.1
Provides guidance for implementing VCPS with CPA as the contact chip application.
Visa Contactless Reader Implementation Notes 1.1Licensed
Published: Oct-09   Version: 1.1
Defines an intelligent qVSDC reader (IRWIN-compliant).
Visa Contactless Entry Point Implementation RequirementsLicensed
Published: Oct-09   Version: 1.0
Defines requirements for vendors implementing qVSDC readers compliant to both VCPS 2.1 and the EMVCo Entry Point specification.
Visa ODA for qVSDC Online Specification (VOQOS) Version 1.3Licensed
Published: Sep-14   Version: 1.3
Provides the technical changes that may be made to VCPS contactless devices to support the authentication of dynamic and/or static signatures for a qVSDC online approval request.
Visa Contactless Payment Specification 2.0.2
quick Visa Smart Debit/Credit Intelligent Reader Testing ProcessPublic
Published: Oct-08   Version: 3.1
An overview of the testing process for intelligent quick Visa Smart Debit/Credit (qVSDC) readers and the IRWIN testing process.
Visa Contactless Payment Specification (VCPS) Version 2.0.2 Including Additions and Clarifications 3.0Licensed
Published: Aug-07   
Defines the requirements for conducting Visa payWave transactions at point-of-sale (POS) devices. Includes requirements for cards, POS devices and chip data messages. This specification is necessary to comply with globally interoperable Visa payWave programs. ECCN 5E992 NLR
Visa Contactless Reader Implementation Notes 1.0.1Licensed
Published: Oct-08   Version: 1.0.1
Defines an intelligent qVSDC reader (IRWIN-compliant)
US Supporting Documentation
Quick Chip For EMV and qVSDC SpecificationsPublic
Published: Jul-17   Version: 2.0
Provides the technical details for the modified use of standard EMV processing at the Point of Sale to enable a Quick Chip transaction, which minimizes the time a card must remain in the terminal.Version 2 of this specification adds guidance for supporting EMV contactless, i.e., qVSDC (quick Visa Smart Debit Credit), with Quick Chip.
Quick Chip Implementation StepsPublic
Published: May-17   Version: 1.1
An implementation best practice guide showing 3 steps for implementing Quick Chip.
Visa Fleet and Automatic Fuel Dispenser RecommendationsPublic
Published: Apr-17   
This document is intended for U.S. retail petroleum merchants, acquirers, processors and terminal providers who are planning deployments of EMV chip terminals in the U.S., as well as issuers and processors who are planning to issue fleet chip cards.
Acquirer
Visa Smart Debit / Credit and Visa payWave U.S. Acquirer Implementation Guide (USAIG)Public
Published: Nov-16   Version: 2.2
A handbook for acquirers or acquirer processors responsible for the implementation of a Visa Smart Debit / Credit (VSDC) Visa Integrated Circuit Card Specification (VIS) or Visa payWave Visa Contactless Payment Specification (VCPS) program. The guide includes best practices and describes step-by-step implementation activities and checklists.
Visa Smart Debit/Credit ATM U.S. Acquirer Implementation GuideLicensed
Published: Jul-14   Version: 1.1
This new ATM guide for Acquirers and Processors includes step-by-step instructions on EMV chip implementation, as well as key milestones and best practices.
Visa Minimum U.S. Online Only Terminal Configuration  NEWPublic
Published: Aug-17   
This white paper outlines the terminal configuration for a minimal implementation of on online-only EMV chip and contactless acceptance which leverages existing online magstripe infrastructure.
Visa Kernel Management Guidelines for Contact and Contactless Chip Terminal ImplementationsPublic
Published: Jan-17   
Provides a comprehensive summary of the terminal testing required prior to deployment, including the proper use of toolkits containing test cards and test cases. These toolkits ensure correct terminal configuration and provide a framework for integration testing, thereby ensuring that Visa's terminal requirements are being met for both EMV contact chip and contactless. The document includes detail on reporting requirements and a high-level overview of how to submit a report, as well as a list of related documents and other sources of information.
Chip Vendor Enabled Service Benefits   NEWPublic
Published: Aug-17   
Describes the Visa Chip Vendor Enabled Service (CVES), which engages third-party chip tool vendors to execute mandatory ADVT and CDET testing on behalf of acquirers and processors, analyze the results and submit reports to Visa using CCRT. CVES vendors are listed in Visa U.S. Confirmed Third-party Chip Acceptance Tool Suppliers.
Visa U.S. Chip Acquirer Self-Accreditation Program Acknowledgement FormLicensed
Published: Sep-16   
The Visa U.S. Chip Acquirer Self-Accreditation Program Acknowledgement Form is required for any acquirer and its processor and/or Chip Vendor Enabled Service (CVES) vendor participating in the Visa U.S. Chip Acquirer Self-Accreditation Program.
When Do You TestPublic
Published: Jan-16   
At-a-glance guidelines for Visa's EMV chip terminal testing requirements, including frequently asked questions and a graphical representation of when terminals need to be tested.
Visa U.S. EMV Chip Terminal Testing Requirements  NEWPublic
Published: Aug-17   
Provides a comprehensive summary of the terminal testing required prior to deployment, including the proper use of toolkits containing test cards and test cases. insert space These toolkits ensure correct terminal configuration and provide a framework for integration testing, thereby ensuring that Visa's terminal requirements are being met for both EMV contact chip and contactless. Also includes information about Visa U.S. Chip Acquirer Self-Accreditation Program.
U.S. Quick Chip and Minimum Terminal Configuration ADVT 7/CDET 2.3 Use Cases  NEWLicensed
Published: Aug-17   
A subset of ADVT and CDET test cases (including U.S. Debit ADVT and CDET test cases) for terminals not configured for any offline functionality. This will allow for implementation to proceed with reduced testing cycles, fewer test cases, and a faster implementation time.
Chip Payment Acceptance for Restaurant Merchants Understanding Tip and Gratuity OptionsPublic
Published: Aug-15   
This document provides information on how to best manage tips and gratuities as the U.S. migrates to chip, and what options restaurant owners and other merchants in Travel and Entertainment can pursue.
U.S. Visa-Confirmed Acceptance Test Tools Suppliers  NEWPublic
Published: Aug-17   
Lists the confirmed third-party U.S. chip acceptance test tool vendors whose test tools have been confirmed by Visa as supporting specific Visa U.S. requirements.
Visa U.S. Acquirer Acknowledgement FormLicensed
Published: Sep-16   
The Visa U.S. Acquirer Acknowledgement Form is required for any processor that submits EMV contact chip and contactless terminal test results on behalf of acquirer(s) into the CCRT. Acquirers should work with their processors to complete the form.
U.S. Quick Chip and Minimum Terminal Configuration ADVT 6.1.1/CDET 2.2 Use Cases  NEWLicensed
Published: Aug-17   Version: 2.0
U.S. Quick Chip and Minimum Terminal Configuration ADVT 6.1.1/CDET 2.2 Use Cases
U.S. Covered Visa Debit Card Vendor Fulfillment Request FormLicensed
Published: Nov-16   
Form to be used as part of the U.S. Covered Visa Debit Card request process.
Issuer
Visa Smart Debit/Credit Personalization Requirements for U.S. Implementations  NEWLicensed
Published: Sep-17   Version: 6.1.1
This document details the Visa personalization profile requirements for U.S. issued contact and contactless Visa branded chip credit and debit payment cards.
C1 - US Credit Contact Chip Personalization Profile   NEWLicensed
Published: Sep-17   Version: 1.0
This document is intended for U.S. issuers of contact chip cards personalized for online-only Visa Credit, with the minimum required data elements.
C2 - US Credit Dual Interface Chip Personalization Profile   NEWLicensed
Published: Sep-17   Version: 1.0
This document is intended for U.S. issuers of dual interface chip cards personalized for online-only Visa Credit, with the minimum required data elements.
D1 - US Debit Contact Chip Personalization Profile  NEWLicensed
Published: Sep-17   Version: 1.0
This document is intended for U.S. issuers of contact chip cards personalized for online-only Visa Debit, with the minimum required data elements.
D2 - US Debit Dual Interface Chip Personalization Profile   NEWLicensed
Published: Sep-17   Version: 1.0
This document is intended for U.S. issuers of dual interface chip cards personalized for online-only Visa Debit, with the minimum required data elements.
D3 - U.S. Debit Personalization Profile for Online-Only Card (Dual Interface Contact & Contactless for Visa Debit and U.S. Common Debit)   NEWLicensed
Published: Sep-17   Version: 1.0
This document is intended for U.S. issuers of dual interface chip cards personalized for online-only Visa Debit, as a multi-access profile, with the minimum required data elements.
U.S. Personalization Validation Requirements Test CasesLicensed
Published: Jul-17   Version: Version 2.1
This document outlines the additional test cases, above and beyond the Global Personalization Requirements (GPR), Version 2.1.1, that must be applied to U.S. Visa chip cards during personalization validation.
P1 - U.S. Personalization Profile for Proprietary ATM Cards (Online PIN-Only, ATM Access-Only Card, no POS Access) (Contact Only)   NEWLicensed
Published: Sep-17   Version: 1.0
This document is intended for U.S. issuers of contact chip cards personalized for online-only proprietary ATM programs, specifically those cards that only provide ATM cash access with no POS access, with Online PIN being the only supported CVM.
P2 - U.S. Personalization Profile for Proprietary ATM Cards (Online PIN-Only, ATM & POS Access Card) (Contact Only)  NEWLicensed
Published: Sep-17   Version: 1.0
This document is intended for U.S. issuers of contact chip cards personalized for online-only proprietary ATM programs, specifically those cards that provide both ATM and POS access, with Online PIN being the only supported CVM.
General Chip Documentation Materials
Transaction Acceptance Device Guide (TADG)Public
Published: Nov-16   Version: 3.1
Provides vendors, merchants, acceptance device deployers and acquirers or their agents with an overview of best practices for devices that process Visa magnetic stripe, contact chip and contactless transactions.
Multi-Access Specification for VSDC Licensed
Published: Jun-17   Version: 2.1
Defines an option that allows sharing personalized data between multiple entry points to a VSDC applet.
dCVV2 Technical SpecificationLicensed
Published: Jan-17   Version: Version 1.1
This document defines a time-based Dynamic Card Verification Value (dCVV2) method wherein a chip-based application uses an onboard time-based algorithm to generate a Time Based Number (TBN) to be fed into the dCVV algorithm, and simultaneously used by the issuer to validate the dCVV2. This method can be used in situations where there are no practical means to obtain an Application Transaction Counter, which would traditionally provide a dynamic input to the dCVV algorithm.
Cash Back Service GuideLicensed
Published: Apr-16   
This guide provides up-to-date information, tools and best practices for launching the Visa Cash-Back Service. It includes a comprehensive overview of the service as well as steps for implementation.
Visa Global Platform
Visa GlobalPlatform 2.1.1 Card Production Guide (CPG)Licensed
Published: Mar-09   Version: 1.04
Detailed technical requirements for initializing and personalizing GlobalPlatform cards with Visa payment products. Used in conjunction with the GlobalPlatform Card Specification 2.1.1.
Visa GlobalPlatform 2.1.1 Card Implementation Requirements (VGPIR)Licensed
Published: Jul-07   Version: 2
Visa requirements for implementing GlobalPlatform cards.
Visa GlobalPlatform Static Card Implementation RequirementsLicensed
Published: Oct-14   
This document defines the Visa requirements for GlobalPlatform 2.0.1' and 2.1.1 Static cards. This is in line with Sun's new licensing structure for a card that has a limited usable Mutable Persistent Memory (e.g. EEPROM) and that has all intended application code present at issuance.
Visa Prepaid Chip
Visa Prepaid Chip Specification, Version 1.1.3Licensed
Published: Apr-14   Version: 1.1.3
This Prepaid Chip Specification introduces additional functionality to the Visa Integrated Circuit Card Specification [VIS] and the Visa Contactless Payment Specification [VCPS] in support of a prepaid or pre-authorized debit product that supports offline contact and contactless transactions on the chip instead of a pure online solution managed by the issuer backend system.
Visa Prepaid Chip: Prepaid Host Implementation Guide (PHIG)Licensed
Version: 1.2
Defines the issuer systems and process changes required to process transactions for Visa prepaid chip cards compliant to the Pilot Visa Prepaid Chip Pilot Specification, Version 1.1, or a Visa prepaid payment application on a mobile phone compliant to the Visa Mobile Contactless Payment Specification, Version 1.4.
Visa Fleet Chip
Visa Fleet Chip Terminal Specification (VFC) 1.0.2Licensed
Published: Jul-14   Version: 1.0.2
Defines the Visa Fleet chip requirements used to supplement EMV compliant terminals, in support of Visa Fleet programs using contact chip transactions.
Visa Fleet Chip Card Personalization Guide (VFC) 1.0.2Licensed
Published: Jul-14   Version: 1.0.2
Defines the personalization of the Fleet chip card data elements, in support of Visa Fleet programs using contact chip transactions. The data elements identified in this document are relevant to Fleet specifically, and do not include the data elements required to support financial transactions.