We collect information about transactions made with Visa products and services, including the amount, time, and location of transactions, as well as information about the merchants where purchases are made. We use transaction data to provide our payment services, prevent fraud, and to develop insights and analytics that we share with our clients.
This means your full spending history is collected and commercially analyzed by Visa at the network level, not just by your bank, and that data fuels revenue-generating products sold to third parties.
Visa collects extensive personal information including transaction history, device identifiers, geolocation, and inferred consumer preferences, and shares this data with issuing banks, merchant acquirers, service providers, and analytics partners. Because Visa operates as a back-end network processor, consumers generally cannot negotiate or limit these practices through their card agreements — their exposure is largely invisible. You can submit a California Consumer Privacy Act rights request, including an opt-out of data sharing, through Visa's online privacy request portal at https://usa.visa.com/legal/privacy-policy.html.