Invest24

Appearance

Visa ​

Visa Investor Relations ​

Defination ​

  • Payments volume represents the aggregate dollar amount of purchases made with cards and other form factors carrying the Visa, Visa Electron, V PAY and Interlink brands and excludes Europe co-badged volume.
  • Cash volume generally consists of cash access transactions, balance access transactions, balance transfers and convenience checks.
  • Total volume is the sum of payments volume and cash volume.
  • CEMEA: Central Europe, Middle East and Africa. Several European Union countries in Central Europe, Israel and Turkey are not included in CEMEA.
  • LAC: Latin America. LAC is comprised of countries in Central and South America and the Caribbean
  • International includes Asia Pacific, Canada, CEMEA, Europe and LAC.

Visa Debit

Visa Debit is a major brand of debit card issued by Visa in many countries around the world. Numerous banks and financial institutions issue Visa Debit cards to their customers for access to their bank accounts. In many countries the Visa Debit functionality is often incorporated on the same plastic card that allows access to ATM and any domestic networks like EFTPOS or Interac.

Visa Electron

Visa Electron was a debit card product that uses the Visa payment system. It is offered by issuing banks in every country with the exception of Canada, Australia, Argentina, Ireland and the United States. The difference between Visa Electron and Visa Debit, a similar product, is that payments with Visa Electron always require on-line electronic authorisation, and typically require that all the funds be available at the time of transfer, i.e., Visa Electron card accounts may not normally be overdrawn. Most Visa Debit cards, on the other hand, may be processed offline, without online authorisation, and may allow transfers exceeding available funds up to a certain limit. For that reason, Visa Electron cards are more commonly issued to younger customers or customers that have poor credit. Online stores and all offline terminals do not support Visa Electron because their systems cannot check for the availability of funds. In addition to point of sale debit payments, the card also allows the holder to withdraw cash from automated teller machines (ATMs) using the Plus interbank network.

In 2001, Banque Misr began offering the cards.

Many banks have migrated away from Visa Electron and instead issue Visa Debit cards; as such, Visa Electron issuance is declining.

Visa Electron has been discontinued globally in 2024. It has been replaced with Visa Debit.

VPAY

Visa Europe has designed the V PAY bank card for European consumers based on a chip and a PIN. The V PAY card makes it possible to pay in the shops and withdraw money from distributors all over Europe. V PAY thus contributes to the establishment of a Single European Payments Area (SEPA). As the first SEPA compliant product, the V PAY card uses the particularly secure EMV chip.

Thanks to the reliability of the EMV technology, V PAY offers two decisive advantages in terms of security:

  • With V PAY, transactions take place only by chip and PIN - the account data required for payment and found on the magnetic strip can no longer be abused (so-called "skimming") . Since the launch of this V PAY product in 2007, no case of skimming fraud has been recorded. Only supplementary services such as the printing the account statements or the opening of the door are still done via the magnetic strip
  • V PAY - as a chip-based payment process - excludes fraudulent use from a forged card. ATMs detect the absence of chips and therefore do not accept card copies.

V PAY is therefore a cross-border bank card solution that is both simple and secure, ideal for everyday use. V PAY cards can be used at millions of merchants and thousands of ATMs across Europe. V PAY cards are accepted all over the world, where EMV chip and PIN technology is available.

CyberSource

Cybersource is an American payment gateway founded in 1994.

In November 2007, Cybersource acquired the U.S. small business payment services provider Authorize.net for $565 million.

On April 22, 2010, Visa Inc. acquired Cybersource for $2 billion.

Visa Risk Manager

Visa Risk Manager is a web portal that provides a comprehensive suite of fraud and risk management tools that can be accessed through Visa Online 24/7. It is specifically designed to help issuers optimize fraud loss prevention and maximize profitability by providing clients with an effective transaction risk management decisioning system. From defining the parameters used to flag a transaction for review, to establishing rules to decline a transaction based on the potential for fraud, Visa Risk Manager enables intelligent decisioning throughout the entire transaction lifecycle.

Visa Direct

Cross-border solutions that can enable funds delivery across Visa’s card network and numerous domestic Automated Clearing House (ACH) and real-time payment (RTP) networks.

Visa B2B Connect

Visa B2B Connect is an innovative multilateral payment network, offering you an alternative cross-border solution that can address the unpredictability associated with the current correspondent banking processes.

Currencycloud

Currencycloud is Visa’s solution to empower Banks, Fintechs, and FX Brokers to offer multi-currency services quickly and easily through a ready-made suite of solutions, embedded in your software via APIs.

Pismo

Pismo is a technology company providing an all-in-one processing platform for banking, payments, and financial markets infrastructure. Large banks, marketplaces, and fintech companies use our cloud-native microservices platform to launch next-generation solutions and move from legacy systems to the most advanced technology in the market. The Pismo cloud-based platform empowers firms to build and launch financial products rapidly, scaling as they grow to have a broader audience while keeping high security and availability standards.

Jan. 16, 2024-- Visa (NYSE:V) announced it has completed its acquisition of Pismo.

Featurespace

Sep 26, 2024-- Visa (NYSE: V) today announced it has signed a definitive agreement to acquire Featurespace, a developer of real-time artificial intelligence (AI) payments protection technology that prevents and mitigates payments fraud and financial crime risks.

Since its inception out of Cambridge University’s engineering department, Featurespace has developed innovative algorithmic-based solutions to analyze transaction data and detect even the most elusive fraud cases.

Quarterly Results ​

2024Q4 ​

2024Q3 ​

2024Q2 ​

2024Q1 ​

2023Q4 ​

2023Q3 ​

2023Q2 ​

2023Q1 ​

2022Q4 ​

2022Q3 ​

2022Q2 ​

2022Q1 ​

2021Q4 ​

2021Q3 ​

2021Q2 ​

2021Q1 ​

2020Q4 ​

2020Q3 ​

2020Q2 ​

2020Q1 ​

2019Q4 ​

2019Q3 ​

2019Q2 ​

2019Q1 ​

2018Q4 ​

2018Q3 ​

2018Q2 ​

2018Q1 ​

2017Q4 ​

2017Q3 ​

2017Q2 ​

2017Q1 ​

2016Q4 ​

2016Q3 ​