Unlock growth across new seller segments
Empower micro-sellers to start accepting cardsDrive financial inclusion and merchant growth with Visa Accept
Visa Accept enables issuers to extend card acceptance to micro-seller through their banking app, lowering the barriers to entry and unlocking new growth opportunities.
By bringing underserved sellers into the card ecosystem, issuers can strengthen relationships, increase card usage, and support a natural progression from micro-seller to small merchant.
Expand Acceptance to New Seller Segments
Make Seller Acquisition Simple and Scalable
Turn Seller Activity Into Growth Opportunities
Driving Acceptance Through Issuer Partnerships
Empowering micro-sellers to start accepting card payments simply and confidently.
Frequently Asked Questions
Discover how Visa Accept integrates into your banking app and supports merchant growth.
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Visa Accept is a Visa‑enabled, issuer‑led, entry‑level card acceptance program that allows eligible Visa Debit and reloadable Prepaid cardholders to accept payments for goods and services using their mobile phone through a participating issuer/partner app. It is targeted at micro-sellers and operates with defined program controls and limits.
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Visa Accept allows issuers to uncover and formalise hidden SMBs already sitting within their consumer portfolio, serve them profitably at entry level, and build a data‑led pipeline into acquiring and SME growth.
Identify and activate hidden SMBs within the consumer base
Visa Accept surfaces cardholders who are already transacting commercially but not registered as businesses.
Acquire seller relationships with minimal onboarding friction
Issuers can enable acceptance using existing Visa Debit or Prepaid credentials and existing KYC, avoiding the cost and drop‑off associated with traditional merchant onboarding.
Increase card usage and balances
Expanding card acceptance among micro-sellers drives incremental card spend and settlement volumes on both the seller and consumer sides of the network.
Deepen digital banking engagement
Because Visa Accept is embedded within the issuer’s app, it increases login frequency and reinforces the bank as the primary operating platform for emerging businesses.
Create bank‑visible sales records for under‑served segments
Visa Accept generates structured transaction histories for sellers who previously operated in cash or P2P ecosystems, improving issuer visibility into real economic activity.
Enable a structured graduation path to higher‑value products or cross-sell SMB solutions
Sellers who demonstrate sustained acceptance volume can be transitioned to full merchant acquiring, SME accounts, lending, or other business products over time.
Operate within controlled risk parameters
Program‑defined limits, dispute thresholds, and automated safeguards allow issuers to participate in the micro-sellers segment while managing exposure.
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Visa Accept:
- Does not require a merchant account at onboarding
- Leverages the issuer’s existing cardholder KYC
- Operates with program‑defined limits on volume and transactions
- Is intended as an on‑ramp, not a replacement, for acquiring
Sellers who outgrow Visa Accept are expected to transition to full merchant acquiring via client -led processes.
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Sellers enroll using an eligible Visa Debit or reloadable Prepaid credential issued by the participating issuer. Onboarding relies on existing KYC performed for the underlying account; no separate merchant underwriting is required at entry unless regulation requires. KYB can be added as an additional requirement if desired.
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Visa will handle the heavy lifting, providing the infrastructure including Visa Accept service layer, payment orchestration and end to end UI/UX.
All necessary tools to launch Visa Accept are bundled within the Visa Accept SDK
The issuers is responsible for the operations and the requirements are:
Visa Digital Platform Term of use Agreement - Terms of use via Visa Digital Platform VDP and e-comm tokenization required
Funds availability - The bank must support Fast Fund: Visa Direct OCT & AFT for refund.
Regulation compliance - Bank must ensure their Visa Accept implementation is compliant with applicable laws, and regulations.
It is also good to have but not a must:
Visa Token Service to benefit from Token Lifecycle Management & suspend/delete tokens
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Visa Accept includes differentiated IRF and Visa fees designed to support low‑cost seller acceptance at entry level. Cross‑border transactions apply standard published rates.
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Issuers determine seller pricing, fees, and commercial constructs in‑market, within Visa Accept program rules and applicable regulations
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Visa Accept follows standard Visa dispute flows, with program‑specific dispute treatment applied. Issuers remain the primary point of contact for sellers.
Minimum dispute amount:
Effective 24 October 2026, Visa Accept applies a minimum dispute amount of USD 25 (or local currency equivalent) for both domestic and cross‑border transactions. This reduces low‑value dispute operational burden for issuers.
There are three situations where an issuer retains the right to dispute regardless of transaction size:
1. Incorrect amount charged — different from what was agreed or displayed.
2. Duplicate processing or the buyer paid through another method and was charged again.
3. Credit Not Processed
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Visa Accept includes automated monitoring. Seller access may be suspended when dispute or fraud thresholds are exceeded, enabling issuers to investigate and take appropriate action.