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Access levels in Visa Clarity:

Member project requestor

Is granted access to raise new project requests, view in-
progress projects and raise project issues. The user is not
allowed to approve scope documents and project plans.

Member viewer
Is granted access to view all projects for the stated
member bank. This includes viewing technical questions,
scope documents and project plans. User can also raise
issues against any project for that member. The user
can’t raise any project requests or submit technical
questions.

Member technical contact

Is granted access to view all project information. This
includes viewing scope documents and project plans. User
can also raise issues against any project for that member.
User can view and submit technical information in
association with the project.

Member requestor
Is granted access to raise new project requests, view in-
progress projects and raise project issues. This user is not
allowed to approve scope documents or project plans.

Member approver
Is granted access to raise new project requests, view in-
progress project issues. This is the only member access
that has authority to accept and approve scope
documents and project plans issued to the Member.

Note: All member banks that use Visa Clarity require at

least one user set-up as a member approver. If not, then
no scope documents or project plans can be approved and
 the project process would then be halted.

Processor technical contact

This role is for processor users who are working on
projects on behalf of the member. Any processor user
working on a member project has to be approved by the
member approver, before they are allowed to continue.
User is granted access to view all project information. This
includes viewing scope documents and project plans. User
can also raise issues against any project for that Member.
User can view and submit technical information in
association with the project.

Processor requestor
This role is for processor users who are working on
projects on behalf of the member. Any processor user
working on a member project has to be approved by the
member approver, before they are allowed to continue.
User is granted permission to raise project requests, raise
project issues and view all project information including
technical questions, scope documents and project plans.
User can’t approve scope of project plans.

Account range BIN – The BIN an account range is pointing to

in BASE II

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BASE I parameters – the set of parameters defined in Visa’s
authorisation system for a particular BIN, e.g. routing options,
account ranges, STIP parameters, key options and risky country
table

BASE II parameters – the set of parameters defined in Visa’s

clearing and settlement system. These include: routing options
(e.g. BASE II BIN, VAP and VROL), file parameters, reporting
options and SRE hierarchy.
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Card design – each unique card design for a new programme
has to be approved by the Visa Europe Card Design team. It has
to receive and approve one final embossed/personalised plastic
before cards are issued to cardholders. For any questions,
please email the team at eucarddesign@visa.com.

Clarity - the Visa Online based platform for customers to raise,

monitor and execute projects required to successfully perform
all aspects of the payment processing lifecycle. This includes the
implementation of new card programmes and certifying for
mandated services stipulated by Visa Europe.
Cross-border issuing – the Visa Europe Cross-Border Issuing
(CBI) programme enables Visa Member banks located in one
European country to issue Visa cards to consumers who reside in
any other country, within the Visa Europe region. For further
information and requirements, please refer to the ‘business
publications’ section on Visa Online (go to ‘Document Search’
and type in keyword ‘Cross border”)

CVK (Cardholder Verification Key) – a key provided by

member to Visa for the verification of the CVV (Card Verification
Value) from the track data or from the chip (used for card
present transactions). A CVK can either be generated by Visa or
by the member.

C2K (Card Verification Key 2) – a key provided by a member

to Visa for the verification of the three digit security number
(CVV2) imprinted on the back of the card (used for card not
present transactions). It is recommended to use the same key
as the CVK. Alternatively, a new C2K can either be generated by
Visa or by the member.

Certificate Expiry Date – the last date that the requested

certificate will be valid. This must coincide with the Certificate
Expiration Date from the Self-Signed Issuer Public Key Data in
the Public Key Input File (formatted as MM//YY). Expiration
must not exceed 12/09 for requests to be signed with the CA’s
1024-key and the expiration must not exceed 12/13 for requests
to be signed with the CA’s 1152-key.
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Default BASE II Collection BIN – the BIN through which a
completed project will be billed via the integrated billing
statement (also known as billing BIN)
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GCAS (Global Customer Assistance Service) – high-quality emergency assistance for Visa Cardholders
when they travel. Through the GCAS programme, Visa provides multilingual emergency assistance service that
cardholders can access toll- free or collect from anywhere around the world, 24 hours a day, 7 days a week,
365 days a year.
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Interrupted session – Visa Clarity session that timed out, for instructions how to clear it, check the related
‘How do I..?’ topic in this e-learning module.
IARS (International Automated Referral Service) – the IARS enables acquirers to reach any Visa issuer
promptly whenever it needs more information from the acquirer before making an authorisation decision. IARS
guarantees a response to every referral call, even when the issuer is unavailable. This service helps reduce Visa
sales losses caused by authorisation delays.

IPK (Issuer Public Key) – an Issuer Public Key Certificate will be requested by a VSDC Issuer from the
Certificate Authority via their registered senders. For each IPK request a tracking number must be obtained
from your Visa project owner. Prior to submitting IPK requests, issuers must have registered two submitters
and two receivers with Visa Europe. For more information please check the related topics in the ’How do I..?’
section of this module.

VSDC Production Work Order form – Visa Smart Debit Credit cards require an IPK to be signed by
the Visa Certificate Authority (CA). For signing the IPK, the CA requires the actual certificate and the
respective work order form containing all the relevant details of the specific IPK to be signed.
 Issuer key length – the Issuer’s key length in hexadecimal representation, that is, “70” for a 112 byte
(896 bit) key, “80” for a 128 byte (1024 bit) key, “90” for a 144 byte (1152 bit) key etc.

IIN – an issuer's eight digit Issuer Identification Number (including padding) as specified in the Issuer's
Public Key Input File. The Issuer must own the BIN or all BIN(s) covered by this IIN.

Certificate Expiry Date – the last date that the requested certificate will be valid. This must coincide
with the Certificate Expiration Date from the Self-Signed Issuer Public Key Data in the Public Key Input File
(formatted as MM//YY). Expiration must not exceed 12/09 for requests to be signed with the CA’s 1024-
key and the expiration must not exceed 12/13 for requests to be signed with the CA’s 1152-key.
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MDK (Master Derivation Key) – a double-length key, which is used to cryptographically compute another
key. MDKs are usually required for a VSDC programme that will be enabled for STIP processing. An MDK can
either be generated by Visa or by the member.
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Project services in Visa Clarity:

Launch a new card (chip & magstripe)

Migrate an existing magstripe card to chip

Keys Certification MDK – New*
Keys Certification MDK – Copy*
Personalisation Template – New*

Modify an existing card programme (chip &

magstripe)
Keys Certification Magstripe – New*
BASE I parameters – Change*
BASE II parameters – Change*
Keys Certification IPK – New*
Keys Certification MDK – Copy*
Keys Certification MDK – New*
PersonalisationTemplate – Change*
New Personalisation Bureau*

Certify for mandated services within the Visa

Europe
region
AVS (UK only) Acquiring
AVS (UK only) Issuing
CHIP Host Certification Acquiring
CPS ATM Acquiring
CVV2 Acquiring
CVV2 Host Issuing
ECI Acquiring
ECI Issuing
SMS ATM CHIP Acquiring
Triple DES Acquiring
VDAS/VCRFS Acquiring
VDAS/VCRFS Issuing

Certify for other services

ADM
(Non-CPS) ATM Acquiring
ATM Issuing
CAVV and VbV Acquiring
CAVV and VbV Issuing
Cross Border Acquiring
Cross Border Issuing
DCC
Enhanced Data MI + VAT Acquiring
Enhanced Data MI _ VAT Issuing
IAVS Acquiring
IAVS Issuing
Multicurrency Acquiring
Multicurrency Issuing
New TPP
PMS Acquiring
PMS Issuing
POS Acquiring
POS Issuing
RPI Acquiring
RPI Issuing
SMS ATM Acquiring
Triple DES Issuing
View Online
View Workstation

Other project services

Balance Enquiry Acquiring
Balance Enquiry Issuing
CPS Airlines
Set up Backup Site
UK ATM Cash Disbursement
Other Cash Disbursement
VGIS
Visa D irect

Existing issuer member adding acquirer services

Certify your host or processor for chip issuing

Chip Host Issuing – Full*
Chip Host Issuing – Early*

Migration
Set up Settlement Endpoint
New TPP

Undertake comfort testing

 VAP
VAP New endpoint
VAP Configuration Change
VAP IP Migration
VAP endpoint relocation
VAP Decommission

Settlement
Set up Settlement Endpoint
Modify Settlement Endpoint currency
Change Settlement Endpoint Details
Additional Settlement currencies
Delete FTSRE#

PVK (PIN Verification Key) – the key needed by Visa if a member wants to enable Visa to verify the
cardholder’s PIN on their behalf through the PIN Verification Service (PVS), either for every transaction or in
STIP processing only. A PVK can either be generated by Visa or by the member.
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SRE (Settlement Reporting Entity) – this represents any business entity for which Visa performs
settlement, provides settlement reporting, or both. Settlement reporting is available for every SRE. An SRE is
identified by a unique then digit number (for example, 1000010205) that is assigned by Visa.

An SRE can represent a processing center, member, or any segment of a member’s business. The following SRE
types are used to construct a VSS hierarchy:

Lowest level SRE – the lowest level at which VSS produces settlement reports. A lowest-level SRE
can be associated with a BASE II BIN, an account range or, for SMS, with a BIN plus a network.
Summary level SRE – a consolidation of lower-level SREs directly linked to a summary-level SRE
through the settlement hierarchy.
Top SRE – mandatory for each hierarchy and includes a set of parameters that applies to the entire
hierarchy such as the settlement currency information.
 Funds transfer SRE – where funds transfers (movement of funds) take place.
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VSDC Production Work Order form – Visa Smart Debit Credit cards require an IPK to be signed by the Visa
Certificate Authority (CA). For signing the IPK, the CA requires the actual certificate and the respective work
order form containing all the relevant details of the specific IPK to be signed.

VAM (Visa Online Access Manager) – the person in an organisation who has the rights to set up new users,
amend their user profiles or delete them for Visa Online.

VAP (VisaNet Access Point) – a computer system that allows a centre to connect to VisaNet. The member
host communicates with the VAP, which is linked to a VIC through the Visa telecommunications network. The
VAP facilitates the transmission of messages and files between the member host and the VIC, supporting the
authorisation, clearing, and settlement of Visa and other card transactions.

VbV (Verified by Visa) – a secure cardholder/merchant authentication for internet transactions by using the
3-D Secure service.

VisaOnline (sometimes abbreviated to VOL) – Visa’s secure

extranet site with essential tools, resources and updates for
members and business partners. This site can be accessed with a
user ID and password through https://www.eu.visaonline.com.

Visa Online administration team – a dedicated team dealing with set up, deletion and amendments of user
IDs and passwords. The team is contactable at voleu@visa.com

VPA (VSDC Personalisation Assistant) – a user-friendly, Graphic User Interface-based tool available to
issuers via Visa Online. The tool walks issuers through each personalisation decision and provides best practice
personalisation settings each step of the way. It also alerts them when a setting they have chosen conflicts with
Visa’s best practice or has the potential to cause an interoperability problem.
To submit the personalisation template for chip applications through Visa Online, go to Main Menu –
Implementation – VSDC Personalisation Assistant.

VSDC (Visa Smart Debit/Smart Credit Service) – this provides members with a safe and controlled means
to incorporate debit and credit functionality into chip cards. VSDC takes full advantage of the power of the chip
on a single card. VSDC supports Visa, Visa Electron, and PLUS card products.
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ZCMK (Zone Control Master Key) – a master key used to encrypt working keys conveyed between
nodes on a network. Visa generates and conveys ZCMKs to all members and processors connected to
VisaNet. It is used to securely transport working keys between Visa and members /processors.