CPV helps ensure chip cards with Mastercard applications are personalized correctly and accepted at payment terminals.
Before launch, issuers or certified agencies must validate EMV contact, contactless, or dual interface card products against brand requirements.
We provide consulting and implementation support for these services:
EMV Data Preparation
Key Management System
Chip Encoding
Secure PIN Administration
Remote PIN Delivery
EMV Certificate Authority
Production Management
Personalized cards improve customer experience and strengthen security.
Builds loyalty and a premium customer experience.
Supports cardholder name and program-level customization.
Improves customer retention.
Enables co-branding opportunities.
Improves brand visibility and market positioning.
Designed for secure daily use.
Supports compliance-ready transaction processing.
Supports secure contact and contactless card generation.
Includes quality checks to reduce printing and data errors.
VPA helps issuers and processors prepare chip card personalization settings before card issuance.
It guides teams through simple decision steps and recommends the best-fit chip configuration for business and risk goals.
VPA is a web-based tool available through Visa Online (VOL). It helps issuers define chip personalization settings faster and with fewer errors.
The tool asks business and risk questions, then generates parameter values aligned to those choices.
VPA supports issuers in these key areas:
Chip personalization data from issuers is provided in a standard format so that multiple sources of card personalization data can be combined.
Implements Visa's chip program rules and recommends best practices for data file inclusion to enable card personalization, including embossing, printing, magnetic stripe, and chip encoding.
Aids in the verification of data personalized on physical cards by providing the expected personalization values.
Simplifies chip card personalization.
Helps issuers choose chip options aligned with business and risk needs.
Reduces card acceptance issues.
Supports compliance with Visa standards.
Card personalization is the process of customizing cards for various users including government departments, healthcare service subscribers and members of different categories. Credit cards issued by various banks, loyalty cards, prepaid cards, identification cards for private institutes such as corporate, manufacturing units, schools and other organizations are the type of cards for card personalization.
A card can be tracked with a special law, bar code, chip, QR code, RFID or through a numeric serialized number generated by the system randomly through a pin creation tool to track the user against whom the card is issued. Customized cards offer loyalty and a sense of being privileged, can be customized with customer names and are a retention tool.
The VPA simplifies the chip card personalization process, allows an issuer to select the best chip option for its business and risk requirements and reduces the possibility of card acceptance issues caused by incorrect personalization values.
A banking services provider can customize a card for each set of clients categorically for services like debit card, credit card and more by tracking the card with a special law, bar code, chip, QR code, RFID or through a numeric serialized number (generated by the system randomly through a pin creation tool) to track the user against whom the card is issued.
VPA helps issuers simplify personalization, choose better chip options, and reduce card acceptance issues. It also applies Visa chip rules, recommends data file best practices, and supports verification by providing expected personalization values.
Find quick answers to common questions about CPV and VPA Services and how our team supports your implementation.