Terms and Conditions for the Visa+ Service
The version of these terms and conditions for the Visa+ Service enters into force on JJ/MM/2026.
The French version of these terms and conditions prevails over the English version.
General provisions
Article 1: Definitions
For the purposes of applying and interpreting these TCs Visa+, capitalized words and expressions, whether used in the singular or plural, shall have the meanings ascribed to them in this article, notwithstanding any definitions provided in other documents. Other capitalized terms not defined herein shall retain the meaning attributed to them by the Payment Account Agreement. In the event of a contradiction between the terms defined in the Payment Account Agreement and those of the TCs Visa+, the terms of the latter will prevail.
“TCs Visa+” means these terms and conditions for the Visa+ Service.
“Sender” means any natural or legal person who sends funds to the Customer using the Customer’s Visa+ Identifier.
“Visa+ Identifier” means the unique technological attribute that allows Senders to identify the Customer for the purpose of Visa+ Service (example: phone number).
“Visa+ Payment Instrument” means the payment instrument issued by Lydia Solutions to the Customer for the receipt of funds from Senders in connection with the Customer’s use of the Visa+ Service (example: virtual card).
“Visa+ Pseudonym” means the pseudonym assigned to the Customer for the Visa+ Service. The Visa+ Pseudonym corresponds to the Customer’s name and the first letter of their surname, and where applicable, any other attribute that allows the Customer to be distinguished from any other person with the same name.
“Visa+ Service” means the service offered by Visa, as described in Article 2 of the TCs Visa+.
Article 2: Purpose of Visa+ Service
The Visa+ Services is a service offered free of charge, as an option and without a commitment period by Visa within the Application. It allows the Customer to receive funds from their Senders onto a Visa+ Payment Instrument (hereinafter “Visa+ Service“). The Visa+ Payment Instrument shall be specially created for technical purposes related to the functioning of the Visa+ Service and will not be visible to the Customer.
Article 3: Activation and functioning of the Visa+ Service
3.1. Activation of the Visa+ Service
To activate the Visa+ Service, the Customer must have an active Payment Account, be logged into the Application, and follow the instructions and steps required for activation.
Upon activation of the Visa+ Service, a Visa+ Identifier shall be created and assigned to the Customer.
Activation of the Visa+ Service constitutes the Customer’s full and complete acceptance of the TCs Visa+
To learn more about activating the Visa+ Service, the Customer can consult the Help center.
3.2. Functioning of the Visa+ Service
The Visa+ Service allows the Customer to receive funds from any Sender by providing the Sender with their Visa+ Identifier. It is specified that a Sender may also need the Customer’s Visa+ Pseudonym to finalize the transfer of funds to the Customer (particularly in the event of another Customer having the same or a similar name)
The funds received via the Visa+ Service are credited to the Visa+ Payment Instrument. It is specified that the funds can also be credited to the Customer’s Payment Account under the same conditions and terms as those set out in the Payment Account Agreement.
Article 4: Use and limitations
The Visa+ Service is exclusively reserved for the Customer’s non-professional use of receiving funds from a Sender into the Customer’s Payment Account.
The Customer acknowledges and accepts that access to and/or use of the Visa+ Service, the Visa+ Payment Instrument, the Visa+ Pseudonym and/or the Visa+ Identifier may be interrupted, modified or subject to conditions, particularly for security purposes.
In any event, the Customer acknowledges and accepts that the Visa+ Service may be subject to the same usage restrictions and/or suspension measures as those set out in the Payment Account Agreement.
The Visa+ Service may also be subject to restriction, suspension or blocking measures in any of the following cases:
- any restriction imposed by Visa or a court decision, taken pursuant to the regulations in force (example: money laundering) or any internal policy of Lydia Solutions;
- any specific restriction imposed by the regulations of the Customer’s country of tax residence (where the Customer’s tax residence is located outside of France);
- At the request of Visa or any supervisory or control authority, or pursuant to a court decision.
Article5: Processing of data associated with the Visa+ Service
Activation and use of Visa+ Service involve an exchange of data between Lydia Solutions and Visa, specifically: the Visa+ Identifier and/or Visa+ Pseudonym, the Customer’s surname, name(s) including their place of residence, telephone number and data attached to the Visa+ Payment Instrument (in particular the PAN and the expiry date).
In this respect, Visa shall process the data received and perform various checks against its database to ensure the functionality of Visa+ Service.
By activating Visa+ Service, the Customer acknowledges having consented to the processing of their personal data for the aforementioned purposes and in connection with the Visa+ Service.
The Customer may withdraw their consent at any time, in particular by deactivating the Visa+ Service in the Application. It is specified that withdrawing this consent shall terminate their ability to use the Visa+ Service.
For the avoidance of doubt, Visa and Lydia Solutions act as independent data controllers for the processing of the Customer’s personal data for the activation and use of Visa+ Service. The Customer may contact Lydia Solutions or Visa to exercise their data subject rights (right of access, right to rectification, right to erasure, etc.), within the conditions and limits permitted by applicable regulations.
In any event, the Customer may at any time consult the personal data protection policies of Lydia Solutions and Visa.
Article 6: Modification and termination of the Visa+ Service
6.1. Modification of the Visa+ Service
The Customer acknowledges and accepts that the Visa+ Service is subject to change and may be modified at any time, particularly in light of technological advancements.
In this respect, the Customer authorizes Lydia Solutions to interrupt, suspend, block or modify, at any time, the total or partial operation of the Visa+ Service, in order to preserve its reliability and security.
Lydia Solutions also reserves the right to make any technical modifications or improvements at any time that are useful for the development and security of the Visa+ Service.
Similarly, Lydia Solutions may modify all or part of the TCs Visa+ at any time and without prior notice, in particular to take into account any regulatory changes or at Visa’s request. In such event, the liability of Lydia Solutions shall not be engaged, and the Customer may not claim any right to compensation.
Any change shall be announced in the Application or by any other means decided by Lydia Solutions.
6.2. Termination of the Visa +Service
The Customer may deactivate Visa+Service at any time from the Application. It is specified that the Visa+ Service shall be inoperative from the moment of its deactivation by the Customer, without prejudice to the completion of ongoing transactions.
Unless otherwise stipulated by applicable regulations, Lydia Solutions reserves the right, without prior notice and with immediate effect, to (i) terminate the Customer’s access to the Visa+ Service and/or terminate the TCs Visa+, or (ii) block, restrict, suspend or terminate access to and/or use of the Visa+ Service, the Visa+ Payment Instrument, the Visa+ Pseudonym and/or the Visa+ Identifier, particularly in case of fraud, suspicion of fraud, violation of the TCs Visa+, any action by the Customer listed in the List of prohibited activities when using Services, abusive operation of the Visa+ Service, abnormal use of the Payment Account related to the use of the Visa+ Service, or reprehensible conduct by the Customer.
6.3 Consequences of termination of the Visa+ Service
Any termination of the Visa+ Service (whether at the initiative of the Customer or Lydia Solutions), for any reason whatsoever, shall result in the Customer no longer being able to use the Visa+ Service, subject to the completion of ongoing transactions.
Termination of the Payment Account Agreement and/or closure of the Payment Account shall result in the termination of the Visa+ Service. However, the termination of the Visa+ Service shall not entail the termination of the Payment Account Agreement, nor the closure of the Payment Account.
Article 7: Miscellaneous
7.1. Term and termination of the TCs Visa+
Upon the Customer’s acceptance of the TCs Visa+, the TCs Visa+ shall be concluded for an indefinite period.
The TCs Visa+ may be terminated at any time by either party, in accordance with the procedures described in Articles 4 and 6.2 of the TCs Visa+.
7.2. Agreement on evidence
The Customer and Lydia Solutions agree that the computer records in Lydia Solutions’ possession, or their reproduction on any other medium, of the transactions carried out, shall constitute authentic evidence between the Customer and Lydia Solutions, unless the Customer provides proof to the contrary.
In addition, Lydia Solutions shall be entitled, in the same way as the Customer, to provide proof by any means of any legal act or fact, even beyond the legal limit referred to in Article 1359 of the Civil Code. In particular, Lydia Solutions may prove any act or fact by means of its records made in strict compliance with the law and in particular with the provisions relating to professional secrecy, whether these records are computer, telephone, telematic, video, electronic mail or writings, faxes or any other commonly accepted method of proof. The Customer agrees that Lydia Solutions may validly correspond with them via the aforementioned means of communication.
7.3. Force majeure
Lydia Solutions shall not be held liable in cases of force majeure as defined in Article 1218 of the Civil Code and according to the interpretation adopted by the case law of the French Court of Cassation.
7.4. Assignment
These TCs Visa+ and all related rights and obligations may not be assigned, in whole or in part, by the Customer, whether for consideration or without charge.
Lydia Solutions reserves the right to assign these TCs Visa+ and all or part of the related rights and obligations to any third-party institution, provided that the institution possesses the necessary authorizations to provide the Customer with the services provided for herein.
7.5. Severability
If any provision of these TCs Visa+ is invalid or unenforceable under the law or regulations, it shall be deemed unwritten. However, this shall not affect the validity or enforceability of the other provisions, and in no case it affects the continuity of the contractual relationship, unless such article is likely to modify the subject matter of these TCs Visa+.
7.6. Language, governing law and jurisdiction
The French language shall be used in all pre-contractual and contractual relations as well as for all communication between the Customer and Lydia Solutions.
These TCs Visa+, as well as any pre-contractual relationships, shall be governed exclusively by French law. In the event of a translation, only the French version of these TCs Visa+ shall prevail between the Parties.
Jurisdiction is granted to the courts in France.
