Terms and Conditions of Use for one Digital Service



one Digital Service (“one”) includes a digital ordering process and identification service for applicants1 as well as functionalities for managing the card and provides an overview of transactions through the “one App” or on the internet via “one Web”. one is provided by Viseca Card Services SA (“Viseca”) for applicants and holders of physical and/or virtual payment cards (“cards”). Applicants and registered card holders are referred to hereinafter as “Users”.

These Terms and Conditions consist of the following sections and govern the rights and obligations between one Users and Viseca.


1. Range of functions of one

one includes a digital ordering process and identification service as well as functions for managing the card and provides an overview of transactions. The range of functions is being continuously expanded. The current or future range of functions of one is shown in the current web and app version and includes, among other things:

  • User account to manage personal data;
  • Overview of transactions and registered cards;
  • Display and activation of electronic invoices;
  • Confirmation of online transactions, e.g. via 3-D Secure (see sec. 8.1);
  • Registration of card for mobile payment services (see sec. 8.2);
  • Activation of card for Click to Pay (see sec. 8.3);
  • Digital ordering process and digital identification service (see section 9);
  • Push messages, SMS services;
  • Blocking of cards and ordering replacement cards and new PINs;
  • Display and redemption of surprize points;
  • Transaction categorisation and expenditure control;
  • Contact form and customer service.


2. Authorisation to use and further development of one

one is available via the one web portal (“Web”) www.one-digitalservice.ch and the one Mobile Application (“App”). Use of one requires personal registration. These terms and conditions are deemed to be accepted as soon as Users register via the one App or via one Web and confirm these terms and conditions directly or indirectly (e.g. by continuing in the card application or registration process). When applying for a card through the digital ordering process in the one App, registration takes place as part of the application process.

Depending on the card product, Users may appoint authorised representatives ("Authorised Representatives") as one administrators. This is done by means of a power of attorney form provided by Viseca or in another manner defined by Viseca. For confidentiality reasons, Authorised Representatives of a company may only use the company's personal business e-mail address. The access data sent to the Authorised Representatives are personal, non-transferable and may not be disclosed. The Authorised Representatives are personally responsible for the careful use, safekeeping and confidentiality of these access data. The obligations under these Terms and Conditions of Use also apply to Authorised Representatives

New or enhanced functions are provided to Users on an ongoing basis by means of updates. Viseca will inform Users in an appropriate manner about product and functional modifications. If Users reject new or updated terms and conditions concerning the use of one as part of further developments and the introduction of new features, individual features may in certain circumstances not be used or may no longer be fully used on the Web or in the App.

Viseca recommends that these Terms and Conditions be consulted on a regular basis. The version published at www.viseca.ch/en/terms/one is the most recent version in each case. Viseca reserves the right to amend these Terms and Conditions at any time. Active Users shall be informed in an appropriate manner of the entry into force of any amendments.


3. Effect of confirmations

Each confirmation made via the App or by entering an SMS code will be deemed to be an action by Users.


4. Availability, blocking and changes

Viseca may at any time interrupt, restrict, discontinue or replace the option of using one in whole or in part without prior notice for good cause. In particular, Viseca has the right to block Users' access to one temporarily or permanently (e.g. if improper use is suspected).


5. Users’ duties of care

The duties of care in connection with the use of devices (e.g. mobile phones, tablets, etc.) for the use of one include keeping the devices used secure at all times, and apply in addition to the duties of care under Viseca’s General Terms and Conditions (GTCs). Users must treat and protect devices with reasonable care. Users undertake to comply with the following duties of care in connection with the devices used:

  • Changes to the telephone number or email address in order to communicate with one must be made via the one App;
  • Users must select a password that is not easily identifiable (e.g. no telephone numbers, dates of birth, vehicle registration numbers, etc.). The password must not be recorded or saved in unsecured form;
  • A screen lock must be activated for mobile devices and security measures must be taken to prevent unauthorised access;
  • Antivirus and internet security programmes must be installed and kept up to date on the User's mobile devices and laptop/computer;
  • The one App may only be downloaded from official stores (e.g. Apple Store and Google Play Store);
  • Updates to the App must be installed immediately;
  • In the event of the loss of a mobile device, the SIM card or the device or the User account must be blocked or reset and, if necessary, the data deleted;
  • The App must be deleted prior to a sale or other permanent transfer of the device to a third party;
  • Interventions in the operating system must be avoided.


6. Users' reporting obligations

The following events must be reported to Viseca immediately by telephone on Tel. +41 (0)58 958 83 10 (24h), via the one App or Web:

  • Confirmation requests that are not related to an online payment, login or contact with Viseca;
  • Any other suspicion that confirmation requests in the App or the SMS codes do not originate from Viseca;
  • Suspicion of misuse of personal data, passwords, devices, Web or App.
  • Suspicion of unauthorised use of data by third parties in the digital ordering or identification process.

In addition, corresponding adjustments, such as blocking cards, must be made independently.


7. Risks and losses

In the event that Users incur any losses as a result of the subscription, modification or termination or within the framework of the digital ordering process or identification service of one, they are deemed to be at the Users' own risk. Viseca disclaims any and all liability.

one can be accessed via the Internet. Viseca cannot guarantee that access is possible at all times or without interruption.

Liability for losses in connection with the use of cards is governed by Viseca’s General Terms and Conditions (GTCs).


8. Special Terms and Conditions for 3-D Secure, Mobile Payment and Click to Pay

The following provisions apply additionally to Users who use the 3-D Secure, Mobile Payment and Click to Pay services.


8.1 3-D Secure

3-D Secure is an internationally recognised security standard for online transactions with cards. Users are obliged to use this security standard wherever possible when making payments. Upon registration in one, 3-D Secure is activated for all the cards in the name of the User and which are related to the registered business relationship of the User with the issuer. Viseca may transmit card information and the user's telephone number to the respective service provider for 3-D Secure or other authentication purposes. For security reasons, once activated, 3-D Secure cannot be deactivated.


8.2 Mobile Payment

Mobile Payment enables Users who have a compatible mobile device to use authorised cards for contactless payments and online transactions via the one app or the app of a third-party provider.

Viseca is not a provider of mobile payment solutions, but rather can only facilitate the registration of the card with selected third-party providers of mobile payment solutions. Activation of a card requires that Users accept the terms of use of the respective third-party provider and take note of its data protection provisions. Users accept that Viseca may transmit information about the card, name and contact information such as billing and delivery address, e-mail address and telephone number of the Users to the respective third-party provider of the Mobile Payment solution when the card is activated and used.

Each use of a card through a mobile payment solution is deemed to be authorised by the User. Costs in connection with the activation and use of Mobile Payment (e.g. costs for mobile Internet use abroad) will be borne by the User.

Viseca may suspend, restrict or terminate the use of Mobile Payment at any time. Users may terminate the use of Mobile Payment at any time by removing the cards they have registered with the respective provider.

Before selling or permanently passing on the mobile device to anyone, each card must be deleted in the provider's app and on the mobile device. If the card is blocked or cancelled, Users are obliged to remove it from the mobile payment solutions.

Users acknowledge that the use of mobile payment solutions entails additional risks despite all security measures. In particular, it is possible that data may be misused or viewed by unauthorised persons, which could cause financial losses or reputational injury to Users.


8.3 Click to Pay

Click to Pay is an initiative of the international card organisations Mastercard and Visa ("Card Organisations"), which simplifies payment for online purchases. This requires registration of the card as well as the email and delivery address with the Card Organisation. After successful registration, Users can make online purchases with their email address anywhere the Click to Pay symbol is visible without having to enter card details.

Users can register the card for Click to Pay in the one App. Registration requires that the User accepts the terms of use of the Card Organisation and take note of its data protection provisions. Users accept that Viseca transmits information about the card, name and contact information such as billing and delivery address, e-mail address and telephone number of the Users to the Card Organisation when the card is registered. The card and contact information stored for payment can be edited and deleted at any time in the Click to Pay user account.

The terms of use and instructions of the respective Card Organisation apply to the use of Click to Pay. Viseca is not liable for any losses resulting from the use of Click to Pay.

As the registered delivery address may not correspond to the desired delivery address, Users must check the delivery address transmitted to the merchant as part of the payment transaction with Click to Pay. Entering delivery addresses during the payment process does not result in a change to the registered primary delivery address or to the billing address registered with Viseca.

The Card Organisation may further make further developments to Click to Pay or block Click to Pay at any time, in particular if there is reason to believe that Click to Pay is being used fraudulently.

Users can terminate their use of Click to Pay at any time by removing the registered card from the Card Organisation.


9. Digital ordering process and digital identification service

The application for a card can be made via the digital ordering process and identification service, if offered for the card product. The requirements for applying for a card are always displayed before the start of the digital ordering process.

By applying for a card via the digital ordering process, Users authorise Viseca:

  • to check and process the information provided by Users in the context of the application review and issuance of the Card and to obtain the information required for this purpose from third parties, e.g. the Central Office for Credit Information ("ZEK"), public authorities (e.g. debt collection and tax offices, residents' registration offices), the intermediary bank, credit agencies, employers and other information and enquiry offices that are provided for by law or suitable (e.g. Consumer Credit Information Office/IKO); and
  • to engage third parties in Switzerland and abroad to provide all or part of its services (e.g. application review, digital identification service, card production, online services), including the associated loyalty programme. In doing so, Viseca may provide these third parties with the data they need to fulfil the tasks assigned to them and may also transfer this data abroad. With regard to the disclosure of data abroad, we refer to the detailed explanations in sections 1.6 and 1.7 in the corresponding Privacy Statement.

Users are obliged to enter all data to be provided in the digital ordering process truthfully and to provide the required documents in full. The use of the digital ordering and identification process requires that Users have a suitable terminal device (e.g. mobile phone, tablet, laptop/computer) with an internet connection. The data provided to the Users shall be kept secret. If unauthorised use of the data by third parties is suspected, this must be reported to Viseca immediately.

As part of the digital ordering process, identification of the User takes place via the identification service, which is system- and process-controlled. If offered, identification can alternatively be done by uploading a copy of the ID document and then manually checking it. The identification process includes the following steps:

  • the User enters the personal data required for the identity verification in the predefined input field;
  • with a camera integrated in the end device, the User takes a picture of his/her ID document and makes it available for use. Depending on the configuration, the solution used by Viseca takes photos of the User's face and compares them with the ID document. These comparisons may be carried out automatically or manually;
  • alternatively, the user can upload a copy of their ID document if offered. Viseca manually verifies whether the copy of the ID matches the personal data provided;
  • if the verification of the card application is positive, Users who have used the digital ordering process in the one App will immediately receive a virtual card. Users who have not applied for the card via the one App can generate a virtual card after receiving the physical card.

Users acknowledge and agree:

  • that Viseca may reject the application or individual applications without giving reasons;
  • that Viseca may contact them digitally (e-mail, SMS, one App) or by telephone. In doing so, Users are aware that communication by e-mail in particular is neither secure nor confidential due to the open configuration of the Internet and that it is therefore possible that, despite all of Viseca's security measures, third parties may gain unauthorised access to the communication; and
  • that personal data is processed automatically as part of the digital ordering and identification process.

For information on the handling of personal data in connection with the use of one, please refer to section 11.


10. Intellectual property rights and licensing

For the use of the App, Viseca grants Users a non-exclusive, non-transferable, perpetual, revocable and royalty-free license to download the App, install it on a device in the User’s permanent possession and use it in accordance with the intended functions.

The complete or partial reproduction, transmission in electronic or other form, modification, linking or use for public or commercial purposes of one Web and App is prohibited without the prior written consent of Viseca. All property rights remain with Viseca.

All rights (in particular copyrights and trademark rights) to software, text, images, videos, names, logos and other data and information that are accessible via one or become accessible over time belong exclusively to Viseca or the corresponding partners and third parties (e.g. Mastercard, Visa).


11. Data protection


11.1 Controller

Viseca Card Services SA is the Controller with responsibility for the processing of personal data.


11.2 Processing of personal data

The Users acknowledge the data protection information (in particular Sections 2.1-2.4) in the general Privacy Statement applicable to the respective card product and consent to the data processing described therein:


12. Termination and applicable law


12.1 Termination

Users may terminate the contractual relationship with Viseca in respect of one at any time without notice by notifying Viseca in writing or by deleting the App. Upon termination of the card agreement with Viseca, subscription to one also automatically terminates.


12.2 Transfer of contractual relationship

Viseca may, at any time, transfer the contractual relationship or individual claims or obligations arising therefrom to third parties in Switzerland and abroad. Data relating to the contractual relationship (including disclosure of any banking relationships) may, where necessary, be made available to these third parties in this context.


12.3 Exclusion in the event of misuse and breach of contract

In the event of any misuse or a breach of these Terms and Conditions, Viseca reserves the right to exclude Users from the use of one.


12.4 Applicable Law

The legal relationship between Users and Viseca is governed by Swiss law. The place of performance, jurisdiction and, for Users domiciled abroad, the place of debt enforcement shall be Zurich.


1 The digital ordering process and identification service function is not available for all Viseca payment card products.



Version September 2023

Viseca Card Services SA, Hagenholzstrasse 56, P.O. Box 7007, 8050 Zurich, Phone +41 (0)58 958 84 00