Visa Provisioning Charge 101 – [What You Need to Know]

If you noticed “Visa provisioning charge” on your recent statement, you might be worried that your credit card information has been stolen. This is a common fear for individuals who recently opened a bank account without an SSN or ITIN and have a new credit card.

Well, the good news is that in most cases, this is not a sign that your information has been stolen. Instead, it means that your credit card has been tested… we’ll explain more below.

Importantly, Visa isn’t the only credit card provider to do something like this. Other major credit cards have their own provisioning methods as well, including Mastercards and even American Express cards for non-US residents.

In this article, we’ll be taking a look at the Visa provisioning charge and sharing everything you need to know.

Feel free to use the table of contents to jump ahead to the sections most relevant to you.

Table of Contents

  1. What Is a Visa Provisioning Charge?
  2. Visa Provision Authorization
  3. Frequently Asked Questions
  4. Ready to Explore Your Options?

What Is a Visa Provisioning Charge?

Visa provisioning charge is a zero-dollar verification fee that Visa uses to confirm cardholder information. In other words, it is a $0 assessment that gets charged to the credit card in order to confirm that the cardholder information provided is accurate. This protects the cardholder from their card being used fraudulently.

Furthermore, Visa provisioning charges are not permanent. In most cases, these charges are removed from your transaction records within one to two weeks. As a result, most consumers never notice them, since they are removed from the billing history before most monthly statements are released.

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Visa Provision Authorization

As mentioned, a Visa provision charge is an essential authorization that confirms the cardholder information before a charge is fully completed. This helps to ensure that the card information is correct and an invalid charge is not run against the card.

Frequently Asked Questions

Below are two of the most common questions that we receive from people in regard to visa provisioning charges. If you have further questions you would like answered, don’t hesitate to get in touch with us directly.

What Are Visa Provisions?

Visa provisions are assessments that are “charged” against a consumer’s card. In short, they are used by online merchants to confirm that a credit card and the information provided is valid. These provisions result in a $0.00 charge being levied against an account, and are commonly used by large online merchants like Apple or Netflix.

Is Provisioning Service Safe?

Yes, Visa provisioning service is a standard service that large online merchants use to confirm credit card information and cardholder identity. In fact, they act as a standard process for protecting cardholders from fraudulent use of their credit cards.

Ready to Explore Your Options?

If you would like assistance navigating your banking options in the United States, we can help.

You can access GlobalBanks USA, our dedicated US account opening service, in just a few clicks.

GlobalBanks USA involves 100% personalized account opening service that taps into our team’s expertise and provides direct banker introductions.

Of course, if you have any questions before deciding whether you would like to move forward, don’t hesitate to contact us.

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GlobalBanks Team
GlobalBanks Team

The GlobalBanks editorial team comprises a group of subject-matter experts from across the banking world, including former bankers, analysts, investors, and entrepreneurs. All have in-depth knowledge and experience in various aspects of international banking. In particular, they have expertise in banking for foreigners, non-residents, and both foreign and offshore companies.

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