Card Acceptance Guidelines for Visa Merchants - georgiacourts 2026

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The first is that the rule requires merchants to accept Visa cards regardless of which bank or financial institution issued the card. This might be best thought of as an honour all issuers rule. The second is that the rule requires merchants to accept all products issued under the Visa brand.
The Visa Integrity Risk Program (VIRP) helps Visa monitor and manage high-risk merchants in the payment processing industry. This program prevents fraud and keeps the Visa payment system secure. Evaluators assess high-risk merchants based on their business type, transaction patterns, and chargeback rates.
The Visa Integrity Risk Program (VIRP) was created to ensure that acquirers maintain proper control over their merchants. Its primary goal is to protect the acquirers and the integrity of the Visa payment system by preventing merchants from: Processing transactions that are illegal.
According to Visas rules, Convenience Fees have to appear (and be processed and authorized) as a single transaction by the merchant of record. Solutions which process convenience fees as two separate transactions are therefore non-compliant, and can compromise your merchant account.
Card Organization Rules means the rules, regulations and other requirements supplied to the City regarding Card transaction processing, equipment or transmission requirements, data security, Chargebacks, and other operational and compliance matters, including those of the PCI Security Standards Council, LLC and the

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The Visa Acceptance Risk Standards (VARS) is a risk control framework designed to help safeguard Acquirers and the Visa payment system. The clients include Acquirers and Money Movement Entities, who use the Visa Payment Network (VisaNet).
The Visa/Mastercard annual high-risk registration fee is a recurring charge imposed on merchants that operate in industries deemed high-risk. This fee aims to offset the additional risks of processing payments for such businesses, including increased fraud potential, chargebacks, and legal or regulatory complexities.

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