Visa may use personal information, including transaction data, to develop analytics, insights, and other products and services that we provide to our clients, including financial institutions and merchants. These products help our clients understand consumer behavior and trends.
Your personal financial behavior is the raw material for a revenue-generating analytics business that Visa operates — and this use of your data goes well beyond what is needed to process your payment.
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.