Visa has postponed its plan to restrict standing instruction Merchant Initiated Transactions (MITs) made using digital wallets from February 28, 2024, until July30, 2025.
Standing instruction MITs are recurring or intermittent transactions made using the details stored from an initial Customer Initiated Transaction.
From this new date, Visa will only accept standing instruction MITs through a digital wallet (Apple Pay, Google Pay, Samsung Pay, etc.) where the transaction uses a network token, instead of a full PAN.
If you’ve already started work to follow this mandate, you should continue to migrate to network tokens as best practice, as this helps to avoid unintended token deletions when cardholders change devices.
Note that Visa will continue to honor all pre-established MITs between merchants and cardholders on device tokens provisioned before July 30, 2025, even after the mandate takes effect.
Tom is the Merchant Communications leader for Checkout.com, responsible for keeping merchants aware of product changes, scheme updates, and regulations. With 12 years of payments industry experience, Tom also writes blogs on general industry topics across all the solutions we offer.
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