Visa Inc. is a global payments technology company that connects consumers, businesses, financial institutions, and governments in more than 200 countries and territories, enabling them to use digital currency instead of cash and checks.

Our business primarily consists of the following:

• We provide processing services to our financial institution clients through VisaNet, a centralized and modular payments network providing three essential functions in one complete, flexible package: transaction processing services, risk management services and information services.
• We continually look at how we can use our network breadth and payment expertise to extend the value of electronic payments so that more people can use Visa in more ways and in more places around the world.
• We offer a diverse range of branded payment products, which our financial institution clients use to offer credit, debit, prepaid, and cash-access programs to their customers (individuals, businesses and government entities).
• We own and manage the Visa brand, which provides the assurance of acceptance at tens of millions of merchants and 1.96 million ATMs in more than 200 countries and territories worldwide.

Visa does not issue cards, extend credit or set rates and fees for consumers. Consumer relationships belong to our network of financial institution clients and are managed by them.

Visa Inc. derives revenue primarily from fees paid by our financial institution clients based on payments volume, transactions that we process and other related services we provide. Visa’s innovations enable its financial institution clients to offer consumers more choices: pay ahead of time with prepaid, pay now with debit or later with credit products.

Corporate Responsibility

• Financial Inclusion and Literacy
  Visa helps create greater access to electronic payments and related services so more people can benefit from financial inclusion. We also ensure those using financial products can do so responsibly and with confidence through our leading financial literacy efforts across the globe and through our support of basic education.
   
• Humanitarian Aid
  Visa responds in times of humanitarian crisis through philanthropic contributions to relief and recovery efforts. We are particularly proud of our work to assist the global humanitarian community by innovating new ways to deliver cash aid used in social development programs or during times of emergency.
   
• Community Support
  Visa recognizes the importance of supporting the local communities and neighborhoods in which we all live and work, which includes empowering our employees to donate their time, talent and money.
   
• Responsible Business Practices
  Underpinning our focus on these areas is our commitment to responsible business practices—to operate ethically and responsibly, as demonstrated through our governance, ethics, diversity, and environmental initiatives.