We aim to grow consumer payments through expansion of credentials and acceptance points and deepening engagement with consumers through key enablers.

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 nearly 60 countries and territories with more than 90% penetration of Visa face-to-face transactions and excluding the U.S., more than 80% of face-to-face Visa transactions globally were contactless in FY24.

Tokenization

Visa Token Service is designed to enhance the digital ecosystem through improved authorization, reduced fraud and improved consumer experience. As of the end of FY24, Visa provisioned 11.5B network tokens.

Click to Pay

The goal of Click to Pay is to make online payments as secure, reliable and interoperable as the in-person checkout experience.

Consumer payments

Core products

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

Tokenization

Visa Token Service is designed to enhance the digital ecosystem through improved authorization, reduced fraud and improved consumer experience. As of the end of FY24, Visa provisioned 11.5B network tokens.

Tap to Pay

Globally, we have nearly 60 countries and territories with more than 90% penetration of Visa face-to-face transactions and excluding the U.S., more than 80% of face-to-face Visa transactions globally were contactless in FY24.

Click to Pay

The goal of Click to Pay is to make online payments as secure, reliable and interoperable as the in-person checkout experience.

Our new flows business is focused on driving digitization and improving the payments and money movement experience across all payment flows, beyond C2B, through our network of networks.

Visa Commercial Solutions

Visa offers a holistic suite of tailored solutions for businesses — providing payment, reconciliation and data to help manage working capital and drive efficiency, set spend controls, manage expenses, and automate payment processes. Our portfolio of commercial payments solutions includes small business cards, corporate (travel) cards, purchasing cards, virtual cards and digital credentials.

Visa Direct Platform

We facilitate domestic and cross-border money movement, enabling clients to collect, convert, hold and send funds across our network, which has the potential to reach more than 11 billion cards, bank accounts and digital wallets. The Visa Direct platform now also includes Visa B2B Connect, Visa+, Visa Cross-Border Solutions and our digitally native Currencycloud capabilities.

New flows

Visa Commercial Solutions

Visa offers a holistic suite of tailored solutions for businesses — providing payment, reconciliation and data to help manage working capital and drive efficiency, set spend controls, manage expenses, and automate payment processes. Our portfolio of commercial payments solutions includes small business cards, corporate (travel) cards, purchasing cards, virtual cards and digital credentials.

Visa Direct platform

We facilitate domestic and cross-border money movement, enabling clients to collect, convert, hold and send funds across our network, which has the potential to reach more than 11 billion cards, bank accounts and digital wallets. The Visa Direct platform now also includes Visa B2B Connect, Visa+, Visa Cross-Border Solutions and our digitally native Currencycloud capabilities.

Value-added services represent an opportunity for us to diversify our revenue with products and solutions that help our clients and partners optimize their performance, differentiate their offerings and create better experiences for their customers.

Issuing Solutions

We provide a range of services and digital solutions to issuers, such as Visa DPS, account controls, digital issuance and branded consumer experiences, and loyalty and benefit solutions such as Buy Now, Pay Later. Through our acquisition of Pismo, Pismo’s technology platform expands Visa’s offerings to include core banking and card-issuer processing capabilities across credit, debit and prepaid cards.

Acceptance Solutions

Visa provides modular, value-added services in addition to the traditional gateway function of connecting merchants to payment processing. Examples include Cybersource, Authorize.net, Token Management Service, Global Urban Mobility, Account Updater and Dispute Management Services.

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 financial institution and merchant clients prevent fraud and protect account holder data.

Open Banking Solutions

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 A2A transactions and merchant payments.

Advisory Services

Visa Advisory Services offers deep payments expertise through a global consulting practice, proprietary analytics models, data scientists and economists, marketing services and managed services to deliver insights for issuers, acquirers, merchants, fintechs and other partners that help them make better business decisions and scale their operations.

Value-added services

Issuing Solutions

We provide a range of services and digital solutions to issuers, such as Visa DPS, account controls, digital issuance and branded consumer experiences, and loyalty and benefit solutions such as Buy Now, Pay Later. Through our acquisition of Pismo, Pismo’s technology platform expands Visa’s offerings to include core banking and card-issuer processing capabilities across credit, debit and prepaid cards.

Acceptance Solutions

Visa provides modular, value-added services in addition to the traditional gateway function of connecting merchants to payment processing. Examples include Cybersource, Authorize.net, Token Management Service, Global Urban Mobility, Account Updater and Dispute Management Services.

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 financial institution and merchant clients prevent fraud and protect account holder data.

Open Banking Solutions

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 A2A transactions and merchant payments.

Advisory Services

Visa Advisory Services offers deep payments expertise through a global consulting practice, proprietary analytics models, data scientists and economists, marketing services and managed services to deliver insights for issuers, acquirers, merchants, fintechs and other partners that help them make better business decisions and scale their operations.

We are fortifying the key foundations of our business model, which consist of becoming a network of networks, our technology platforms, security, brand and talent.

Network of networks

Our network of networks strategy means moving money to all endpoints and to all form factors, using all available networks and being a single connection point for our partners and providing our value-added services on all transactions, no matter the network.

Network of Networks

Our network of networks strategy means moving money to all endpoints and to all form factors, using all available networks and being a single connection point for our partners and providing our value-added services on all transactions, no matter the network.

Technology platforms

Visa’s leading technology platforms comprise software, hardware, data centers and a large telecommunications infrastructure — delivering the secure, convenient and reliable service that our clients and consumers expect from the Visa brand.

Security

We use information security tools that help keep our clients and consumers safe and invest significantly in our comprehensive approach to cybersecurity.

Brand

Visa’s strong brand helps deliver added value to our clients and their customers, financial institutions, merchants and partners through compelling brand expressions, a wide range of products and services as well as innovative brand and marketing efforts.

Talent

Attracting, developing and advancing the best talent globally is critical to our continued success. We have approximately 31,600 employees located in more than 80 countries and territories around the world.

Foundations

Technology platforms

Visa’s leading technology platforms comprise software, hardware, data centers and a large telecommunications infrastructure — delivering the secure, convenient and reliable service that our clients and consumers expect from the Visa brand.

Security

We use information security tools that help keep our clients and consumers safe and invest significantly in our comprehensive approach to cybersecurity.

Brand

Visa’s strong brand helps deliver added value to our clients and their customers, financial institutions, merchants and partners through compelling brand expressions, a wide range of products and services as well as innovative brand and marketing efforts.

Talent

Attracting, developing and advancing the best talent globally is critical to our continued success. We have approximately 31,600 employees located in more than 80 countries and territories around the world.