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I wonder what is their policy in EU. Do they automatically process your data without any opt-out?

It doesn’t exist. VAS is a US product offered by Visa US, supporting US cardholders only.

"supporting"

as a european I'm totally ok without this support.

They still aggregate and sell insights from their collected data.

Does it include Canada?

In EU opt-out schemes are illegal if it has anything to do with personal information. a person has to opt-in to share personal info.