We remain focused on moving trillions of dollars 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 50 countries and territories with more than 90% contactless penetration and excluding the U.S., more than 76% of face-to-face transactions globally were contactless in FY23.

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 FY23, Visa provisioned more than 7.5B network tokens.

Click to Pay

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

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 FY23, Visa provisioned more than 7.5B network tokens.

Tap to Pay

Globally, we have 50 countries and territories with more than 90% contactless penetration and excluding the U.S., more than 76% of face-to-face transactions globally were contactless in FY23.

Click to Pay

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

Visa's network of networks approach creates opportunities to capture new sources of money movement through card and non-card flows for consumers, businesses, and governments around the world by facilitating P2P, B2C, B2B and G2C payments.

Visa Direct

Visa Direct is part of Visa’s strategy beyond C2B payments and helps facilitate the delivery of funds to eligible cards, deposit accounts and digital wallets across more than 190 countries and territories.

Visa Commercial Solutions

We offer a portfolio of commercial payment solutions, including small business, corporate (travel) cards, purchasing cards, virtual cards and digital credentials, non-card cross-border B2B payment options and disbursement accounts, covering most major industry segments around the world.

Visa Cross-Border Solutions

Visa Cross-Border Solutions aligns with our global network of networks strategy, as we are focused on building the infrastructure that enables our clients of all sizes to deliver cross-border products with visibility, speed and security.

NEW FLOWS

Visa Direct

Visa Direct is part of Visa’s strategy beyond C2B payments and helps facilitate the delivery of funds to eligible cards, deposit accounts and digital wallets across more than 190 countries and territories.

Visa Commercial Solutions

We offer a portfolio of commercial payment solutions, including small business, corporate (travel) cards, purchasing cards, virtual cards and digital credentials, non-card cross-border B2B payment options and disbursement accounts, covering most major industry segments around the world.

Visa Cross-Border Solutions

Visa Cross-Border Solutions aligns with our global network of networks strategy, as we are focused on building the infrastructure that enables our clients of all sizes to deliver cross-border products with visibility, speed and security.

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, loyalty and benefits solution to issuers and Buy Now, Pay Later (BNPL) capabilities.

Acceptance Solutions

Visa provides modular, value added services in addition to the traditional gateway function of connecting merchants to payment processing. Examples include Cybersource, Global Urban Mobility, Visa 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 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 that can drive better business decisions and measurable outcomes 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, loyalty and benefits solution to issuers and Buy Now, Pay Later (BNPL) capabilities.

Acceptance Solutions

Visa provides modular, value added services in addition to the traditional gateway function of connecting merchants to payment processing. Examples include Cybersource, Global Urban Mobility, Visa 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 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 that can drive better business decisions and measurable outcomes for our clients.

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 deploy security tools that help keep our clients and consumers safe. We also 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 28,800 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 deploy security tools that help keep our clients and consumers safe. We also 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 28,800 employees located in more than 80 countries and territories around the world.