Cookie Policy

This Cookie Policy describes the browser cookies and similar technologies that may be applied on the websites for users in the European Economic Area that link to this policy (collectively, the "Visa Checkout Site" or "the Site"), which is provided by Visa U.S.A. Inc. and its affiliates ("we", "us", "our"). We may change this Cookie Policy at any time. Please take a look at the "LAST UPDATED" legend at the bottom of this page to see when this Cookie Policy was last revised. Any changes in this Cookie Policy will become effective when we make the revised Cookie Policy available on or through the Site.

Please note that this Cookie Policy may not fully describe all browser cookies and similar technologies used by Visa Checkout outside of the European Economic Area.

If you have any further queries, please contact us.

  1. WHAT ARE COOKIES?

    Browser cookies are small data files that may be stored on your device or computer when you access websites. Browser cookies and similar technologies (including local storage and web beacons) are common features of websites (including mobile experiences), which enable the tracking of user navigation through a single website or a series of websites. They help website operators learn which areas of a website are useful and which areas need improvement, among other things. Unless otherwise specified, we will refer to browser cookies and similar technologies simply as "cookies" throughout the remainder of this Cookie Policy.

    You can choose whether to accept most cookies by changing the settings on your browser. You can also opt out of non-essential cookies used on the Visa Checkout Site. However, if you reject cookies, your experience using the Visa Checkout Site may be diminished and some features may not work as intended.

  2. WHAT COOKIES DO WE USE?

    Below we list the different types of cookies that may be used on the Visa Checkout Site. To the extent any Personal Data is collected through cookies, the Visa Checkout Privacy Policy applies and complements this Cookie Policy.

    Essential Cookies. Essential cookies enable you to navigate the Visa Checkout Site and to use its services and features. Without these strictly necessary cookies, the Site may not be able to provide certain core functions and features.

    ready

    • Used on Visa Checkout enrollment forms on bank websites and detects whether the user’s browser accepts third party cookies in order to show the correct user navigation
    • First party session cookie

    iframe

    • Used on Visa Checkout enrollment forms on bank websites and controls the page content to show in the background of the application
    • First party session cookie

    parentURL

    • Used on Visa Checkout enrollment forms on bank websites to indicate the issuer domain URL, which allows Visa Checkout to communicate back to the parent domain
    • First party session cookie

    hasConsented

    • Indicates whether a user has opted out of non-essential first party cookies and controls display of the cookie banner
    • First party persistent cookie: 364 days

    visited

    • Indicates the user has a Visa Checkout account so that a returning user is navigated to the correct screen
    • First party persistent cookie: 1 year

    _did

    • Device ID which uniquely identifies the user’s browser for essential fraud detection and mitigation purposes
    • First party persistent cookie: 1 year

    alwaysRemember

    • Honors user choice with regard to the "Remember my device" checkbox, indicating not to drop username and _art cookies
    • First party persistent cookie: 1 year

    Remember Me Choice (mobile app SDK)

    • Data stored in the user’s keychain which ensures user login details and card art are not stored incorrectly
    • First party persistent cookie: expires when user changes their choice

    Threatmetrix Device Fingerprinting (web): thx_guid, HTML5 Cookie, HTTP ETag, Flash Cookie

    • Uniquely identifies the user’s browser for essential fraud detection and mitigation purposes
    • Third party persistent cookie: 4 years
    • Set by ThreatMetrix

    Threatmetrix Device Fingerprinting (mobile app SDK)

    • Uniquely identifies the user’s device for essential fraud detection and mitigation purposes
    • Third party persistent local storage: expires when app is removed from the user’s device
    • Set by ThreatMetrix

    Preference Cookies. These cookies collect information about your choices and preferences, and allow us to remember language or other local settings and customize the Visa Checkout Site accordingly.

    fpusername

    • Stores the user’s email address they enter in the Forgot Password request, so that when they click on the Password Reset link in their email, they do not have to re-enter their email address
    • First party session cookie

    _art

    • Carries dynamic card art information
    • First party session cookie

    Card art image (mobile app SDK)

    • An image of the user’s default card art, which displays in the Visa Checkout button when using Visa Checkout within a merchant mobile app
    • First party persistent local storage: expires when user changes their choice

    username

    • Stores the user name (either email address or telephone number), which enables easier sign-in and the presentation of the user’s card art
    • First party persistent cookie: 1 year

    User login details (mobile app SDK)

    • Storage of the user name (either email address or telephone number), which enables easier sign-in and the presentation of the user’s card art within a merchant mobile app
    • First party persistent local storage: expires when user changes their Remember Me choice

    Refresh Token (mobile app SDK)

    • Storage of the user name (either email address or telephone number), which enables easier sign-in and the presentation of the user’s card art within a merchant mobile app
    • First party persistent local storage: 6 months

    TouchID Opt In (mobile app SDK)

    • Allows the user of Visa Checkout within a merchant mobile app to login with TouchID if the user has logged in previously
    • First party persistent local storage: expires when user changes their Remember Me choice

    locale

    • Storage of the user’s locale information, which allows the Visa Checkout applications to display content in the correct language
    • First party persistent cookie: 1 year

    country_preference

    • Storage of the user’s country information, which allows the Visa Checkout applications to display content for the right country
    • First party persistent cookie: 1 year

    Analytics Cookies. These cookies collect information about your use of the Visa Checkout Site and enable us to improve the way it works. For example, analytics cookies show us which are the most frequently visited pages on the site, help us record any difficulties users have with the Site, show us whether our advertising is effective or not, and analyze overall patterns of usage on the Site.

    correlationID

    • Stores a unique ID for a user’s session to allow Visa Checkout to connect user actions within a session together to measure product performance
    • First party session cookie

    visitID

    • Stores the Google Tag Manager visitor ID, which allows Visa Checkout to connect user actions within a session together to measure product performance
    • First party session cookie

    Crash Reporting Details (mobile app SDK)

    • File is created during a crash and stores details of the crash to log on Visa’s servers for analysis to improve product stability
    • First party persistent session storage: expires at start of next session, when logs are submitted

    optimizelyPendingLogEvents

    • Used to temporarily store data on user actions until they can be sent to Optimizely’s servers
    • Third party persistent cookie: removed when event logging happens, usually within session
    • Set by Optimizely, Inc.

    optimizelySegments

    • Stores the JavaScript Object Notation of the user’s audience dimension information, which enables comparative testing of interface designs (A/B testing)
    • Third party persistent cookie: 10 years
    • Set by Optimizely, Inc.

    optimizelyBuckets

    • Stores the JavaScript Object Notation of variations into which the user has been classed, which enables a consistent experience across sessions where comparative testing of interface designs (A/B testing) is occurring
    • Third party persistent cookie: 10 years
    • Set by Optimizely, Inc.

    optimizelyEndUserId

    • Stores a combination of time stamp and random number to uniquely identify a user, which enables comparative testing of interface designs (A/B testing)
    • Third party persistent cookie: 10 years
    • Set by Optimizely, Inc.

    optimizely_data

    • Stores info about a user’s location and IP address
    • Third party persistent cookie: 10 years
    • Set by Optimizely, Inc.

    Advertising Cookies. These cookies track online activities in order to measure the effectiveness of Visa Checkout advertising on other platforms or to tailor advertising-related content provided to you on the Site or on other websites. For example, if you look at a page on the Visa Checkout Site, an advertisement may be delivered to you, on the Site or on other websites, that promotes Visa Checkout or similar products and services. We or our service providers may append other data to the information collected by these cookies, including information obtained by third parties, and share this information with third parties for the purpose of delivering advertisements to you. Many of these are third-party cookies used to measure the effectiveness of ads on third-party advertising platforms.

    Campaign_tracking (web)

    Campaign Details (mobile app SDK)

    • Storage of marketing campaign information when a user clicks on an ad, helping to tie marketing activity to product metrics
    • First party persistent cookie: 3 days

    createIntentEvent

    • Allows tying a future purchase to marketing campaign activity
    • First party persistent cookie: 3 days or when a user starts a transaction at a merchant

    Dc_gtm_UA-61684798-2

    • Allows Google to tie user event data in DoubleClick to Visa Checkout data in Google Analytics
    • Third party persistent cookie: 10 minutes
    • Set by Google

    id, IDE, DSID

    • Store unique codes to determine for DoubleClick which advertisements have been shown on a device, allowing monitoring of the effectiveness of the ads and making the ads more relevant to the user
    • Third party persistent cookies:
    • id, IDE: 2 years
    • DSID: 14 days
    • Set by Google

    datr

    • Identifies the web browser being used to connect to Facebook independently of the logged in user, enabling Facebook security and site integrity features
    • Third party persistent cookie: 2 years
    • Set by Facebook

    reg_fb_gate

    • Contains the first Facebook page that the web browser visited, and used by Facebook to track enrollment effectiveness
    • Third party session cookie
    • Set by Facebook

    reg_fb_ext

    • Contains the last Facebook page that the web browser visited, and used by Facebook to track enrollment effectiveness
    • Third party session cookie
    • Set by Facebook

    reg_fb_ref

    • Contains an external referrer URL from when the browser first visited Facebook, used by Facebook to track enrollment effectiveness
    • Third party session cookie
    • Set by Facebook

    ATN

    • Tracks and delivers targeted advertising to web users based on their browsing behavior. Used by Microsoft's advertising platform, Atlas Solutions, for campaign performance tracking
    • Third party persistent cookie: 2 years
    • Set by Atlas Solutions

    u2

    • Allows us to assess the effectiveness of banner ads served by Sizmek by tracking user behavior and attributing that behavior to the ad
    • Third party persistent cookie: 3 months
    • Set by Sizmek

    u

    • Used for analytics and online behavioral advertising purposes including real time targeting and consumer profiling functionality on advertisers’ and publishers’ websites
    • Third party persistent cookie: 2 years
    • Set by Aggregate Knowledge

    uuid

    • Stores either a unique user ID, or OPTOUT if the user has opted out of tracking. Used for analytics and online behavioral advertising purposes including real time targeting and consumer profiling functionality on advertisers’ and publishers’ websites
    • Third party persistent cookie: 5 years
    • Set by Aggregate Knowledge

  3. HOW CAN YOU MANAGE COOKIES?

    Please be aware that if Preference Cookies, Analytics Cookies, and/or Advertising Cookies are disabled, not all features of the Visa Checkout Site may operate as intended. Essential Cookies are required for use of the Visa Checkout Site.

    You may opt out of the Preference Cookies, Analytics Cookies, and Advertising Cookies here

    You may also refuse or accept most cookies that may be placed by the Visa Checkout Site by activating settings on your browser. Information about the procedure to follow in order to enable or disable cookies can be found on your Internet browser provider’s website via your help screen. You may wish to refer to http://www.allaboutcookies.org (available in English, Spanish, French, and German) for information on managing cookies.

    If you want to clear all browser cookies left behind by the websites you have visited, you may be able to download programs from third-party software providers (for example: http://www.lavasoft.com or https://www.safer-networking.org) to do so.

    Please note that Visa is not affiliated with, and does not control or endorse, any of the third-party websites listed in this Cookie Policy and is not responsible or liable for them, their content, or any aspect of their software or services.