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Visa Debit products address a variety of customer segments, acceptance environments and risk control considerations. The Visa Debit product suite consists of:
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Visa Debit
Most Visa Debit cards are still embossed and carry Visa’s flagship acceptance mark, which offers unrivalled worldwide utility and instant recognition. These cards have the same physical appearance as the familiar Visa Flag.
 Click here to learn more about identifying Visa cards.
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Unembossed Visa
The unembossed Visa card looks like a standard Visa card. However, there are significant changes to the physical features of these cards resulting in new card characteristics that Visa merchants will be seeing for the first time in a Visa Flag product.
Characteristic:
A. Acceptance Mark: Visa Flag on front of card; some cards may have a Visa Electron mark on the back of the card
B. Account Number: Uembossed, laser engraved; indent printed or thermal printed (with cover)
C. Cardholder Name and Expiry Date: Printed. Some cards may not have the cardholder name on the front of the card
D. Hologram and UV Dove: Mandatory
E. Legend on Card Face: Electronic use only
F. Chip: Cards may carry a chip
G. Pre Printed 4 Digit Bin: Mandatory
These features include:
| 1. | The following information will be printed (not embossed) using a tamper-evident method such as laser-engraving or indent printing on the front of cards that are issued with the unembossed production option:
16-digit account number Expiration date Cardholder name
| | 2. | Cards that utilize the unembossed product option have the legend “ELECTRONIC USE ONLY” printed on the front of the card.
| | 3. | The embossed flying “V” symbol will not be present on the card.
| | 4. | Features that may optionally be present include:
Printed cardholder name. The cardholder name may not be on the front of the card as the bank may have “instantly issued” the card to the consumer without personalization Printed generic cardholder identifier Visa Electron symbol on the back of the card Partial Primary Account Number (PAN) printed – as opposed to a full account number Magnetic stripe encoded with an x2x service code on the back of the card
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As the card is unembossed, the card cannot be manually imprinted (used in a zip zap machine) and must only be swiped or inserted (in the case of chip cards) into your point of sale (POS) terminal.
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Authorization-Preferred Visa
This is a standard Visa Flag embossed card with enhanced issuer risk control through a code in the magnetic stripe that instructs the terminal to always request an online authorization. This product is directed at getting the widest acceptance base while increasing the issuer’s opportunity to see more authorization requests.
Visa cards that are issued with the Authorization-Preferred Visa product option will have the same physical appearance as the familiar Visa Flag card.
Authorization-Preferred Visa cards are not widely used in the Asia Pacific Region.
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Visa Electron
Visa’s global electronic acceptance mark, the Visa Electron “Flying Comet”, offers unparalleled secured customer utility at 13 million physical locations worldwide, including close to one million ATMs worldwide.
Always authorized against the cardholder’s account balance, Visa Electron offers superior risk control through secure point of sale utility to customers at little or no additional risk.
The identifying features and characteristics of Visa Electron cards include:
Mandatory features:
Printed on the front of the card Account Number either partial or full (if partial, must print the last 4 digits of the account number and display the first 4 digits of the BIN) Expiration date The legend “ELECTRONIC USE ONLY” printed on the front of the card Visa Electron symbol with the microprint code border Pre-printed BIN below the account number on the front of the card Signature panel with CVV2 on the back of the card (only when full account number is used)
Features not present:
Features that may optionally be present:
The dove design hologram and ultra violet dove If the dove design hologram appears, the ultra violet dove must also appear Printed cardholder name
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