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Our Strategy

Visa’s strategy is to accelerate our revenue growth in consumer payments, new flows and value added services, and fortify the key foundations of our business model.

Core Products
Credit • Debit • Prepaid

Visa's growth has been driven by the strength of our core products — credit, debit and prepaid.

Issuing Solutions

We provide a range of services and digital solutions to issuers, such as Visa DPS, account controls, digital issuance, branded consumer experiences and Buy Now, Pay Later (BNPL) capabilities.

Acceptance Solutions

Visa provides secure, reliable services for merchants and acquirers that reduce friction and drive acceptance. Using Cybersource, merchants of all sizes can improve the way their consumers engage, transact, mitigate fraud; help to lower operational costs; and adapt to changing business requirements.

Risk & Identity Solutions

Visa’s risk and identity solutions transform data into insights for near real-time decisions and facilitate account holder authentication to help clients prevent fraud and protect account holder data.

Advisory Services

The combination of our deep payments expertise, proprietary analytical models applied to a breadth of data and our economic intelligence allows us to identify actionable insights, make recommendations and help implement solutions for our clients.

Open Banking

Visa’s open banking capabilities range from data access use cases, such as account verification, balance check and personal finance management, to payment initiation capabilities, such as account-to-account transactions and merchant payments.

P2P person-to-person

Payments between friends and family domestically and internationally.

B2C business-to-consumer

Payouts via insurance disbursements, refunds, reimbursements, payroll and more without the need for paper checks.

B2B business-to-business

Businesses payments that are card‑based, domestic accounts payable/accounts receivable and large ticket cross‑border supplier payments.

B2b business-to-small business

Large businesses paying their vendors, suppliers, contractors and other partners.

G2C government-to-consumer

Government payouts for unemployment, aid and stimulus payments.

Tap to Pay

Globally we have over 30 countries and territories with more than 90% contactless penetration and excluding the U.S. and Russia, more than 70% of face-to-face transactions globally were contactless.

Tokenization

As of the end of fiscal year 2022, Visa provisioned 4.8B network tokens, surpassing the number of physical cards in circulation.

Click to Pay

The goal of click to pay is to make digital payments safe, consistent and interoperable like the checkout experience in physical stores.

Technology Platforms

Visa’s technology platforms include software, hardware, data centers and a large telecommunications infrastructure, each with a distinct architecture and operational footprint wrapped with several layers of security and protection technologies.

Security

We deploy security technologies to protect data confidentiality, the integrity of our network and service availability to strengthen our core cybersecurity capabilities to minimize risk.

Brand

Visa’s strong brand helps deliver value to our clients and their customers, financial institutions, merchants and partners through brand expressions, a range of products and services and innovative brand and marketing efforts. Visa is the only brand in the world that is a top sponsor of FIFA, the Olympic Games and the NFL.

Talent

Approximately 26,500 employees located in more than 80 countries and territories around the world.

We remain focused on moving the trillions of consumer spending in cash and checks to cards and digital accounts on Visa’s network of networks.

Core Products

Visa’s growth has been driven by the strength of our core products — credit, debit and prepaid.

Tap to Pay

Globally we have over 30 countries and territories with more than 90% contactless penetration and excluding the U.S. and Russia, more than 70% of face-to-face transactions globally were contactless.

Tokenization

As of the end of fiscal year 2022, Visa provisioned 4.8B network tokens, surpassing the number of physical cards in circulation.

Click to Pay

The goal of click to pay is to make digital payments safe, consistent and interoperable like the checkout experience in physical stores.

CONSUMER PAYMENTS

Core Products

Visa’s growth has been driven by the strength of our core products — credit, debit and prepaid.

Tokenization

As of the end of fiscal year 2022, Visa provisioned 4.8B network tokens, surpassing the number of physical cards in circulation.

Tap to Pay

Globally we have over 30 countries and territories with more than 90% contactless penetration and excluding the U.S. and Russia, more than 70% of face-to-face transactions globally were contactless.

Click to Pay

The goal of click to pay is to make digital payments safe, consistent and interoperable like the checkout experience in physical stores.

Visa’s network of networks approach creates opportunities to capture new sources of money movement through card and non-card flows.

P2P
person-to-person

Payments between friends and family domestically and internationally.

B2C
business-to-consumer

Payouts via insurance disbursements, refunds, reimbursements, payroll and more without the need for paper checks.

B2B
business-to-business

Businesses payments that are card-based, domestic accounts payable/accounts receivable and large ticket cross-border supplier payments.

B2b
business-to-small business

Large businesses paying their vendors, suppliers, contractors and other partners.

G2C
government-to-consumer

Government payouts for unemployment, aid and stimulus payments.

NEW FLOWS

P2P
person-to-person

Payments between friends and family domestically and internationally.

B2C
business-to-consumer

Payouts via insurance disbursements, refunds, reimbursements, payroll and more without the need for paper checks.

B2B
business-to-business

Businesses payments that are card-based, domestic accounts payable/accounts receivable and large ticket cross-border supplier payments.

B2b
business-to-small business

Large businesses paying their vendors, suppliers, contractors and other partners.

G2C
government-to-consumer

Government payouts for unemployment, aid and stimulus payments.

Value Added Services represent an opportunity for us to diversify our revenue with products and solutions that differentiate our network, deepen our client relationships and deliver innovative solutions across other networks.

Issuing Solutions

We provide a range of services and digital solutions to issuers, such as Visa DPS, account controls, digital issuance, branded consumer experiences and Buy Now, Pay Later (BNPL) capabilities.

Acceptance Solutions

Visa provides secure, reliable services for merchants and acquirers that reduce friction and drive acceptance. Using Cybersource, merchants of all sizes can improve the way their consumers engage, transact, mitigate fraud; help to lower operational costs; and adapt to changing business requirements.

Risk & Identity Solutions

Visa’s risk and identity solutions transform data into insights for near real-time decisions and facilitate account holder authentication to help clients prevent fraud and protect account holder data.

Open Banking

Visa’s open banking capabilities range from data access use cases, such as account verification, balance check and personal finance management, to payment initiation capabilities, such as account-to-account transactions and merchant payments.

Advisory Services

The combination of our deep payments expertise, proprietary analytical models applied to a breadth of data and our economic intelligence allows us to identify actionable insights, make recommendations and help implement solutions for our clients.

VALUE ADDED SERVICES

Issuing Solutions

We provide a range of services and digital solutions to issuers, such as Visa DPS, account controls, digital issuance, branded consumer experiences and Buy Now, Pay Later (BNPL) capabilities.

Acceptance Solutions

Visa provides secure, reliable services for merchants and acquirers that reduce friction and drive acceptance. Using Cybersource, merchants of all sizes can improve the way their consumers engage, transact, mitigate fraud; help to lower operational costs; and adapt to changing business requirements.

Risk & Identity Solutions

Visa’s risk and identity solutions transform data into insights for near real-time decisions and facilitate account holder authentication to help clients prevent fraud and protect account holder data.

Open Banking

Visa’s open banking capabilities range from data access use cases, such as account verification, balance check and personal finance management, to payment initiation capabilities, such as account-to-account transactions and merchant payments.

Advisory Services

The combination of our deep payments expertise, proprietary analytical models applied to a breadth of data and our economic intelligence allows us to identify actionable insights, make recommendations and help implement solutions for our clients.

Visa strives to become a network of networks, offering a single connection point for senders and receivers to enable money movement to all endpoints and to all form factors, using all available networks.

Technology Platforms

Visa’s technology platforms include software, hardware, data centers and a large telecommunications infrastructure, each with a distinct architecture and operational footprint wrapped with several layers of security and protection technologies.

Security

We deploy security technologies to protect data confidentiality, the integrity of our network and service availability to strengthen our core cybersecurity capabilities to minimize risk.

Brand

Visa’s strong brand helps deliver value to our clients and their customers, financial institutions, merchants and partners through brand expressions, a range of products and services and innovative brand and marketing efforts. Visa is the only brand in the world that is a top sponsor of FIFA, the Olympic Games and the NFL.

Talent

Approximately 26,500 employees located in more than 80 countries and territories around the world.

FOUNDATIONS

Technology Platforms

Visa’s technology platforms include software, hardware, data centers and a large telecommunications infrastructure, each with a distinct architecture and operational footprint wrapped with several layers of security and protection technologies.

Security

We deploy security technologies to protect data confidentiality, the integrity of our network and service availability to strengthen our core cybersecurity capabilities to minimize risk.

Brand

Visa’s strong brand helps deliver value to our clients and their customers, financial institutions, merchants and partners through brand expressions, a range of products and services and innovative brand and marketing efforts. Visa is the only brand in the world that is a top sponsor of FIFA, the Olympic Games and the NFL.

Talent

Approximately 26,500 employees located in more than 80 countries and territories around the world.
Download year list
Download Description
Visa Annual Report 2022 (opens in new window)