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Visa Europe

Visa Europe

Visa Europe is a wholly-owned subsidiary of Visa Inc., a global payments technology company connecting consumers, businesses, financial institutions and governments in over 200 countries.

Lobbying Activity

Meeting with Marlene Rosemarie Madsen (Cabinet of Executive Vice-President Henna Virkkunen)

3 Dec 2025 · Commission’s priorities

Meeting with Eric Ducoulombier (Acting Director Financial Stability, Financial Services and Capital Markets Union)

3 Dec 2025 · EU digital identity wallet

Meeting with Nicolo Brignoli (Cabinet of Commissioner Valdis Dombrovskis) and Powszechna Kasa Oszczędności Bank Polski Spółka Akcyjna and Unknown Organization

19 Nov 2025 · Simplification in financial sector

Meeting with Alice Guedel (Cabinet of Commissioner Maria Luís Albuquerque), Cristina Dias (Cabinet of Commissioner Maria Luís Albuquerque) and

19 Nov 2025 · Financial sector regulation and its role in fostering growth and innovation across Central and Eastern Europe

Meeting with Luděk Niedermayer (Member of the European Parliament)

19 Nov 2025 · Financial sector’s role in fostering growth and innovation across Europe

Meeting with Danuše Nerudová (Member of the European Parliament)

19 Nov 2025 · CEE financial sector

Meeting with Nicolo Brignoli (Cabinet of Commissioner Valdis Dombrovskis) and Powszechna Kasa Oszczędności Bank Polski Spółka Akcyjna and Unknown Organization

19 Nov 2025 · Simplification in financial sector

Meeting with Borja Giménez Larraz (Member of the European Parliament)

2 Jul 2025 · VISA Priorities

Meeting with Tomáš Kubín (Member of the European Parliament)

18 Mar 2025 · Visa’s ongoing commitments and investments in the Czech Republic and the broader CEE region.

Meeting with Enikő Győri (Member of the European Parliament)

18 Mar 2025 · exchange of views on ongoing payment files

Meeting with Monique Negenman (Head of Unit Competition)

9 Jan 2025 · Consumer choice (Interchange Fees Regulation - IFR, article 8§6)

Response to Security breaches of European Digital Identity Wallets

2 Jan 2025

Please find attached Visa Europe's feedback on the draft implementing act.
Read full response

Visa Europe Urges Technical Consistency for EU Digital Wallets

9 Sept 2024
Topic — This consultation concerns rules for issuing and managing data within European Digital Identity Wallets.
Message — Visa Europe calls for alignment between the draft rules and existing technical frameworks. They also propose making user notifications for revoked credentials a best-effort requirement.12
Why — Alignment protects investments by ensuring new rules match systems developed during pilot programs.3
Impact — Wallet users may not receive vital updates if notification requirements become optional.4
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Visa Europe urges alignment on Digital Identity Wallet standards

9 Sept 2024
Topic — This consultation establishes technical protocols and interfaces for the European Digital Identity Wallet.
Message — Visa requests transparency on how existing frameworks align with new acts to prevent discrepancies. They recommend including OpenID standards and supporting NFC protocols for better interoperability.123
Why — Supporting NFC standards allows Visa to leverage its existing network of payment terminals for wallet interactions.4
Impact — Pilot projects lose their investments if technical discrepancies require them to rebuild existing solutions.56
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Visa Europe urges technical alignment for EU digital identity wallets

9 Sept 2024
Topic — The Commission is establishing technical rules for interoperable and secure European Digital Identity Wallets.
Message — Visa requests transparency on how new rules will align with previous technical frameworks to avoid discrepancies. They suggest a regular review process involving industry to react to rapid market developments. The Commission should ensure a level playing field between wallet providers and hardware manufacturers.123
Why — This prevents mobile device manufacturers from using hardware control to gain an unfair competitive advantage.4
Impact — Dominant tech giants may lose the ability to restrict competitors from accessing essential smartphone hardware.5
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Visa Europe urges technical alignment in EU digital wallet standards

9 Sept 2024
Topic — A consultation on technical standards for the European digital identity wallet communication channel.
Message — Visa Europe requests transparency on how existing technical standards will align with new regulations. They suggest creating a review process where industry can provide input on rapid technological developments.12
Why — Consistent standards would reduce development risks and grant Visa influence over future technical requirements.3
Impact — Discrepancies in standards could undermine current large-scale pilot projects already developing digital identity solutions.4
Read full response

Meeting with Gerassimos Thomas (Director-General Taxation and Customs Union)

11 Apr 2024 · Physical meeting - Discussion on CESOP cooperation

Meeting with Michiel Hoogeveen (Member of the European Parliament, Shadow rapporteur) and Mastercard Europe

11 Jan 2024 · Digital euro

Response to Regulations specifying criteria and fees for the critical ICT third-party service providers in the financial sector

12 Dec 2023

Exclusion of payment systems and schemes from the criticality criteria tests The European co-legislators in the Digital Operational Resilience Act [ ], and European Commission in its proposed Payment Services Directive 3 [ ], acknowledge the need to avoid any duplication with the Eurosystems oversight framework over retail payment systems. As currently worded the criticality criteria tests do not provide necessary alignment across the co-legislators intent within these two legal acts and the Commissions proposed delegated acts. We recommend that an explicit exemption is made for retail payment systems subject to the Eurosystems oversight framework or that it must be considered as a material factor, with a view to avoid duplication, as part of these assessments. The European Central Bank (ECB) oversight framework already addresses payment system operational resilience, regulating comprehensively ICT risk management in payment systems. Payment systems deemed as systemically important payment systems (SIPS) are covered specifically by Regulation 795/2014 of the ECB[3]. The latter integrates into its framework the principles for financial market infrastructures (PFMI) developed by IOSCO and the Committee on Payment and Settlement Systems of the Bank for International Settlements (CPSS)[4], thereby setting high international risk management standards for payment systems. In addition, other (non-SIPS) payment systems operating in the Eurozone are also required to adhere to the PFMI, or a subset of the PFMI. Payment systems need also to comply with the ECBs Cyber Resilience Oversight Expectations for Financial Market Infrastructures[5] which regulates in detail the set-up of cyber resilience strategies and frameworks, including incident management, testing and crisis communication. The ECB has also put in place an incident reporting framework for Retail Payment Systems and Payment Schemes. It requires institutions to report major payment security incidents to their Overseer. In light of the existing, well-defining and sound regulatory requirements, extending the scope of DORA to payment schemes, including through criticality criteria tests and designation would create unnecessary regulatory burden on market players and potentially generate conflicting provisions.
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Meeting with Eero Heinäluoma (Member of the European Parliament, Shadow rapporteur) and Klarna Bank AB and Aircash

10 Nov 2023 · Framework for Financial Data Access and amending Regulations (EU) No 1093/2010, (EU) No 1094/2010, (EU) No 1095/2010 and (EU) 2022/2554.

Meeting with Michiel Hoogeveen (Member of the European Parliament, Shadow rapporteur)

31 Oct 2023 · Digital euro

Meeting with Simon Genevaz (Cabinet of Executive Vice-President Margrethe Vestager)

17 Jan 2023 · Interchange Fee Regulation (IFR)

Meeting with Mairead McGuinness (Commissioner) and

27 Sept 2022 · Roundtable on Remittances to Ukraine

Visa Europe urges clear guidance on international data sharing rules

13 May 2022
Topic — This consultation concerns new EU rules for fair data access and sharing.
Message — Visa requests harmonized rules for government data access and specific guidance on international transfers. They seek clarity on how data sharing requirements interact with existing data protection laws.12
Why — Clearer regulatory guidance would lower the cost of assessing transfer conditions and prevent operational risks.3
Impact — Consumers and small businesses face higher fraud risks if data localization limits security monitoring.4
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Meeting with Margrethe Vestager (Executive Vice-President) and

21 Mar 2022 · Competition policy.

Meeting with Mairead McGuinness (Commissioner) and

21 Mar 2022 · Payment continuity in Ukraine, Open Banking and PSD2.

Response to Fight against counterfeiting

14 Feb 2022

Visa Inc and Visa Europe share the European Commission’s ambition to reduce intellectual property rights infringement, and illegal activity more generally, from the payments’ ecosystem. We welcome our opportunity to contribute to the European Commission’s thinking in this area. In our view, intellectual property rights infringement – particularly as it relates to physical goods - is a complex and global issue. We support the European Commission taking a broad view of the intermediaries and stakeholders involved in maintaining the integrity of rightsholders’ intellectual property rights when pursuing possible policy options in this area. We support policy options which are adaptable to the diverse business models and innovative players involved in payments. We recommend the principle-based policy approach outlined by the European Commission’s ‘Call for Evidence’ as the best way to effectively manage collaboration between diverse industry, Government, and law enforcement players. Crucially, as an international payment network, our role in the payment chain is important but often indirect for the purposes of intellectual property rights infringement. Visa does not have a direct relationship with merchants or cardholders, and we are not a payment service provider. We take our ecosystem role seriously and recognise the value of proactively engage with the issue of intellectual property rights infringement with a range of stakeholders in order to ensure the integrity of our global payment network. We voluntarily manage robust intellectual property infringement procedures across our payment network, and collaborate with our industry, Government and law enforcement partners to further refine and improve our globally managed rights enforcement programmes. We have particularly welcomed, for example, our ongoing dialogue with the European Commission on this area and the collaborative payments workshops we have been proud to take part in. In our view, the European Commission has some of the right principles in mind to effectively encourage more coordination between likeminded industry players and public authorities. Even as an indirect player in the fight against intellectual property infringement, we voluntarily support, and already implement ourselves, several of the European Commission’s suggestions. These include appointing a single contact point for intellectual property enforcement, taking specific proactive and proportionate actions to address counterfeiting, and coordinating action with right holders and other relevant industry partners against the most harmful intellectual infringers. For example, we manage and enforce a global intellectual property enforcement programme to ensure our acquirers (merchants’ payment service providers) uphold our strict network rules and keep illegal activity off the Visa network. We have also collaborated with other international payment networks to share information about merchants who repeatedly engage in intellectual property rights infringement to restrict their ability to accept card payments. In addition to this, we engage with law enforcement partners around the world and with policymakers to share our network experiences. We continue to make ourselves available to the European Commission for further discussion and best practice exchange on this important issue.
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Meeting with Agnieszka Drzewoska (Cabinet of Commissioner Mairead Mcguinness), Florian Denis (Cabinet of Commissioner Mairead Mcguinness), Peter Power (Cabinet of Commissioner Mairead Mcguinness)

8 Nov 2021 · Digital finance, retail payments, financial literacy

Meeting with Mairead McGuinness (Commissioner)

2 Mar 2021 · Credit card payments

Meeting with Olivier Guersent (Director-General Competition)

19 Jan 2021 · IFR and Developments in the payment card sector

Response to Requirements for Artificial Intelligence

10 Sept 2020

Please see attached file.
Read full response

Meeting with Werner Stengg (Cabinet of Executive Vice-President Margrethe Vestager)

16 Jul 2020 · To discuss post-Covid recovery

Meeting with Andrea Beltramello (Cabinet of Executive Vice-President Valdis Dombrovskis)

17 Jan 2020 · Payments

Meeting with Carl-Christian Buhr (Cabinet of Commissioner Mariya Gabriel)

14 Aug 2019 · Electronic payments

Meeting with Olivier Guersent (Director-General Financial Stability, Financial Services and Capital Markets Union)

20 Jun 2019 · Priorities for the next European Commission as they relate to the changing payment landscape.

Meeting with Valdis Dombrovskis (Vice-President) and

6 Feb 2019 · EU policy on payments

Meeting with Maria Asenius (Cabinet of Vice-President Cecilia Malmström), Nele Eichhorn (Cabinet of Vice-President Cecilia Malmström)

30 Nov 2018 · Trade in general and more specifically e-commerce and China

Meeting with Eduard Hulicius (Cabinet of Commissioner Věra Jourová)

26 Nov 2018 · Visa activities at the digital market and the consumer support programmes

Meeting with Olivier Guersent (Director-General Financial Stability, Financial Services and Capital Markets Union)

24 May 2018 · PSD2, cross-border payments, Fintech

Meeting with Risto Artjoki (Cabinet of Vice-President Jyrki Katainen)

24 May 2018 · Financial markets

Meeting with Elina Melngaile (Cabinet of Vice-President Valdis Dombrovskis)

5 Mar 2018 · Fintech; developments in card skims and payments

Meeting with Hanna Hinrikus (Cabinet of Vice-President Andrus Ansip), Juhan Lepassaar (Cabinet of Vice-President Andrus Ansip)

15 Jun 2017 · Financial Services in the DSM, innovation in payments

Meeting with Valdis Dombrovskis (Vice-President)

18 Jan 2017 · Electronic Payments; PSD2