I know for a fact that these APIs (in general, not necessarily this exact VISA API) are starting to be used in Europe's privacy champion, Germany. I do believe

I know for a fact that these APIs (in general, not necessarily this exact VISA API) are starting to be used in Europe's privacy champion, Germany. I do believe that they can be only used for customer service enhancements (such as electronic receipt service or expense tracking), and are not freely available for third parties. I'm not an expert on the surrounding legislation though so that's just my assumption. Just pointing out that links to this data do exist, even if it has strong legal protections/opt-in barriers.