What is Visa Advisory?

Visa Advisory refers to consulting and compliance services that help businesses align with Visa’s network rules, optimize operations, reduce risk, and ensure appropriate governance when using Visa’s payment infrastructure.

Why do I need a scheme compliance review with Visa?

Because Visa has specific rules and operational requirements (fee schedules, message formats, dispute/chargeback policies, etc.). A compliance review helps ensure you aren’t exposed to penalties or operational disruptions.

What are common risks in Visa transactions and how are they managed?

Common risks include fraud, chargebacks, unauthorized transactions, data breaches, non-compliance with message standards. These are managed through transaction monitoring, internal controls, oversight, regular auditing and fraud prevention measures.

How can this advisory help with operational & technical integration with Visa?

The advisory helps ensure that system messaging, authorization, settlement, reporting, fraud detection tools etc., are integrated correctly, meeting Visa’s technical specifications and your local regulatory requirements.

What kind of ongoing advisory is needed for Visa operations?

Ongoing advisory includes staying updated with changes in Visa’s rules or fees, fraud/new risk patterns, regulatory changes, performance monitoring, and ensuring your governance and controls evolve accordingly.

Visa Payment Network | Compliance Advisory Support

Overview

Visa operates a global payment network that facilitates secure electronic funds transfers for financial institutions and businesses worldwide. Its tiered licensing system accommodates institutions of varying sizes, ensuring scalable and efficient payment processing while adhering to strict regulatory and operational requirements. Access to the Visa network allows institutions to process transactions reliably, manage risk effectively, and provide seamless payment solutions to clients.

Service Categories

Principal Client License – Designed for large banks and financial institutions, this license enables full responsibility for risk management, transaction billing, and settlement processing.

Associate Client License – Targeted at smaller institutions, this license allows access under the sponsorship of a principal client, providing a pathway for emerging players to enter the Visa network.

Application Process

Step 1: Initial Registration – Establish a Visa Partner account to initiate the licensing process.

Step 2: Questionnaire Completion – Submit detailed information including financial statements, existing licenses, and audited reports.

Step 3: Country-Specific Requirements – Complete additional forms such as AML compliance documentation, client agreements, and sponsor letters as required by the jurisdiction.

Step 4: Final Approval – Receive Visa authorization and proceed with integration into the Visa payment network.

How ABM Can Help

License Suitability Assessment – ABM evaluates the appropriate Visa license type for your institution and strategic objectives.

Regulatory & Compliance Readiness – We ensure your operations, policies, and controls meet Visa’s regulatory and risk requirements.

End-to-End Application Management – ABM supports the entire application process, from registration to submission and follow-up with Visa authorities.

Strategic Partnership Facilitation – We connect institutions with principal sponsors or partner banks, streamlining access to the Visa network.

Post-Approval Integration Support – Our team assists with system integration, transaction workflow setup, and operational readiness to ensure seamless payment processing and compliance post-authorization.