prohibit merchants from imposing a minimum or maximum purchase amount in order to accept a Visa card and from charging cardholders a fee for using a Visa card. In ten U.S. states, surcharges for the use of a credit card are forbidden by law (California, Colorado, Connecticut, Florida, Kansas, Maine, Massachusetts, New York, Oklahoma and Texas) but a discount for cash is permitted under specific rules. Some countries have banned the no-surcharge rule, most notably in Australia retailers may apply surcharges to any credit-card transaction, Visa or otherwise. In the UK the law was changed in January 2018 to prevent retailers from adding a surcharge to a transaction as per 'The Consumer Rights (Payment Surcharges) Regulations 2012'. Visa permits merchants to ask for photo ID, although the merchant rule book states that this practice is discouraged. As long as the Visa card is signed, a merchant may not deny a transaction because a cardholder refuses to show a photo ID. The Dodd–Frank Act allows U.S. merchants to set a minimum purchase amount on credit card transactions, not to exceed $10. Recent complications include the addition of exceptions for non-signed purchases by telephone or on the Internet and an additional security system called "Verified by Visa" for purchases on the Internet. In September 2014, Visa Inc, launched a new service to replace account information on plastic cards with "token" – a digital account number. Products Visa Credit Cards Depending on the geographical location, Visa card issuer issue the following tiers of cards, from the lowest to the highest: Traditional/Classic/Standard Gold Platinum Signature (Worldwide except Canada) Infinite Infinite Privilege (Canada only) Visa Debit This is the standard Visa-branded debit card. Visa Electron A Visa-branded debit card issued worldwide since the 1990s. Its distinguishing feature is that it does not allow "card not present" transactions while its floor limit is set to zero, which triggers automatic authorisation of each transaction with the issuing bank and effectively makes it impossible for the user to overdraw the account. The card has often been issued to younger customers or those who may pose a risk of overdrawing the account. Since mid-2000s, the card has mostly been replaced by Visa Debit. Visa Cash A Visa-branded stored-value card. Visa Contactless (formerly payWave) In September 2007, Visa introduced Visa payWave, a contactless payment technology feature that allows cardholders to wave their card in front of contactless payment terminals without