Visa may send your personal data to other countries, including the US, where privacy laws may be weaker than where you live, but claims to use legal safeguards like standard contractual clauses.
This analysis describes what Visa's agreement states, permits, or reserves. It does not constitute a legal determination about enforceability. Regulatory applicability and practical outcomes may vary by jurisdiction, enforcement context, and individual circumstances. Read our methodology
The provision establishes the operational framework governing Visa's cross-border data transfer practices and specifies the contractual mechanisms through which Visa implements protective measures. This addresses the jurisdictional and regulatory complexity of global data transfers where destination countries may have different legal protections than the user's home jurisdiction.
Removal of explicit disclosure about cross-border transfers and standard contractual clause safeguards represents reduced transparency on international data movement mechanisms.
View full change record →Your payment transaction data may be transferred to the United States or other countries with different (potentially weaker) privacy protections, relying primarily on contractual mechanisms rather than adequacy decisions for legal cover.
How other platforms handle this
Your personal information may be transferred to and processed in countries outside your country of residence, including the United States and Israel, which may have data protection laws that differ from those in your country. We rely on appropriate safeguards, such as standard contractual clauses ap...
When we transfer personal information from the European Economic Area, the United Kingdom, or Switzerland to other countries that have not been found to provide an adequate level of data protection, we use legal mechanisms such as Standard Contractual Clauses approved by the European Commission to h...
Your personal information may be transferred to, processed and stored in countries other than the country in which you are resident, including the United States, Australia, Canada, the European Union and the UK. We take appropriate safeguards to protect your personal information in accordance with t...
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"Visa is a global company and may transfer your personal information to countries outside of your country of residence, including the United States, which may have different data protection laws than your country. When we transfer personal information internationally, we take steps to ensure that appropriate safeguards are in place to protect your information, such as through the use of standard contractual clauses approved by the European Commission.— Excerpt from Visa's Visa Privacy Notice
(1) REGULATORY FRAMEWORK: GDPR Chapter V (Arts. 44–49) governing international data transfers; EU-US Data Privacy Framework (DPF, effective July 2023); Standard Contractual Clauses (SCCs, 2021 EU Commission version); UK International Data Transfer Agreement (IDTA); Swiss Federal Act on Data Protection (nFADP). Enforced by EU member-state DPAs and the Irish DPC as Visa's EU lead supervisory authority. (2)
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The provision establishes the operational framework governing Visa's cross-border data transfer practices and specifies the contractual mechanisms through which Visa implements protective measures. This addresses the jurisdictional and regulatory complexity of global data transfers where destination countries may have different legal protections than the user's home jurisdiction.
Your payment transaction data may be transferred to the United States or other countries with different (potentially weaker) privacy protections, relying primarily on contractual mechanisms rather than adequacy decisions for legal cover.
ConductAtlas has identified this type of provision across 84 platforms. See the full comparison.
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