Visa Credit Programs in the U.S. generated $2.012 billion, while the rest of the world generated $2.949 trillion out of the $4.962 trillion. A 8.91% growth recorded in the Visa credit segment over the prior year of $4.556 trillion total volume.
Visa Debit Programs in the U.S. generated $2.282 trillion, while the rest of the world generated $4.140 trillion out of the $6.422 trillion. A 6.73% growth recorded in the Visa debit segment over the prior year of $6.017 trillion total volume.

The company has five operating regions: Asia-Pacific; Central and Eastern Europe, Visa Europe, Middle East and Africa(CEMEA), Latin America and Caribbean(LAC), and North America(U.S. and Canada).

Out of the 3.359 billion cards in circulation as at December 31, 2018, the Asia Pacific led the way with 1,020 million cards, followed closely by 914 million cards in United States, 549 million cards in Visa Europe, 464 million cards in LAC, 343 million cards in CEMEA and 69 million cards in Canada.

Out of the $11.383 trillion total volume transacted in 2018(from 166.102 billion payment transactions and 21.949 billion cash transactions), the U.S. led the way with $4.294 trillion, which made up of $3.725 trillion Payments Volume(PV) from 68.623 billions transactions and $569 billion Cash Volume(CV) from 3.847 billion transactions. Here is the statistic for rest of the world:- Asia Pacific $2.437 trillon($1,930 billion PV from 27.455 billion transactions + $507 billion CV from 4.092 billion transactions); Visa Europe $2.292 billon($1,714 billion PV from 36.933 billion transactions + $578 billion CV from 4.239 billion transactions); CEMEA $1,098 billon($408 billion PV from 16.316 billion transactions + $690 billion CV from 4.900 billion transactions); LAC $976 billon($412 billion PV from 13.099 billion transactions + $563 billion CV from 4.826 billion transactions); Canada $286 billon($263 billion PV from 3.677 billion transactions + $23 billion CV from 45 million transactions). Interestingly, the Cash Volume is higher than the Payment Volume in CEMEA and LAC. This is due to the popularity of Visa Debit Programs in these regions.

Visa cardholders(credit & debit) spend an average of $60.53 per transaction compares to $62.23 in 2017. This can be further separated into an average of $50.88 per payment transaction compares to $51.42 in 2017 and an average of $133.54 per cash transaction compares to $136.14 in 2017.

Visa Credit Programs vs. Visa Debit Programs
Total Volume for Visa Credit Programs is $4.962 trillion in 2018(from 63.078 billion payment transactions and 928 million cash transactions), made up of $2.012 trillion($1,956 billion PV from 23.885 billion transactions + $56 billion CV from 62 million payment transactions) in the U.S. and $2.949 trillion($2,744 billion PV from 39.193 billion transactions + $206 billion CV from 866 million transactions) for rest of the world. There are a total of 1,119 million Visa credit cards in circulation as at December 31, 2018, made up of 337 million Visa credit cards in the U.S. and 782 million Visa credit cards for rest of the world.
Visa credit cardholders spend an average of $77.52 per transaction compares to $77.69 in 2017. This can be further separated into an average of $74.50 per payment transaction compares to $74.46 in 2017 and an average of $283.33 per cash transaction compares to $269.27 in 2017.

Total Volume for Visa Debit Programs is $6.422 trillion in 2018(from 103.024 billion payment transactions and 21.022 billion cash transactions), made up of $2.282 trillion($1.769 trillion PV from 44.738 billion transactions + $513 billion CV from 3.785 billion transactions) in the U.S. and $4.140 trillion($1,984 billion PV from 58.286 billion transactions + $2.156 trillion CV from 17.236 billion transactions) for rest of the world. There are a total of 2.240 billion Visa debit cards in circulation as at December 31, 2017, made up of 576 million Visa debit cards in the U.S. and 1,663 million Visa debit cards for rest of the world.
Visa debit cardholders spend an average of $51.77 per transaction compares to $54.08 in 2017. This can be further separated into an average of $36.43 per payment transaction compares to $36.75 in 2017 and an average of $126.96 per cash transaction compares to $129.88 in 2017.

In 1958 Bank of America launches the BankAmericard in Fresno, Calif., with an innovative “revolving credit” feature. Visa is then incorporated in the state of Delaware in 1970 as National BankAmericard Inc. (NBI) in 1970. Visa’s annual global total volume reaches the US$2 trillion milestone in 2001 and in 2004, Visa’s global debit volume surpasses credit. Finally, in 2008, Visa completes the largest initial public offering in U.S. history and begins trading publicly on the New York Stock Exchange under the ticker symbol “V.”
Visa operates the world’s largest retail electronic payments network and manages the world’s most recognized global financial services brand. We have more branded credit and debit cards in circulation, more transactions and greater total volume than any of our competitors. The company owns a family of well known, widely accepted payment brands, including Visa, Visa Electron, PLUS and Interlink. Visa currently provides the assurance of acceptance at more than 30 million merchant outlets and 1.6 million ATMs in more than 200 countries and territories worldwide.

3.250 billion Visa cards
As of December 31, 2017, the company’s customers had issued 3.250 billion Visa cards(2.887 billion accounts), an increase of 3.73% in 12 months period, if compares to 3.133 billion cards issued as at December 31, 2016.
Visa Inc. is the world’s largest retail electronic payments network, with over US$10.6 trillion transacted on their payment products over the four quarters ended December 31, 2017.
The U.S. made up $3.900 trillion of the total volume, while the rest of the world generated $6.673 trillion out of the $10.573 trillion total volume. A 21.04% growth recorded over the prior year of $8.735 trillion total volume.

Visa Total Volume Breakdown as of December 31, 2016
Visa Credit Programs in the U.S. generated $1.833 billion, while the rest of the world generated $2.723 trillion out of the $4.556 trillion. A 16.73% growth recorded in the Visa credit segment over the prior year of $3.903 trillion total volume.
Visa Debit Programs in the U.S. generated $2.067 trillion, while the rest of the world generated $3.950 trillion out of the $6.017 trillion. A 24.50% growth recorded in the Visa debit segment over the prior year of $4.833 trillion total volume.

The company has five operating regions: Asia-Pacific; Central and Eastern Europe, Visa Europe, Middle East and Africa(CEMEA), Latin America and Caribbean(LAC), and North America(U.S. and Canada).

Out of the 3.250 billion cards in circulation as at December 31, 2017, the Asia Pacific led the way with 971 million cards, followed closely by 882 million cards in United States, 539 million cards in Visa Europe, 462 million cards in LAC, 332 million cards in CEMEA and 64 million cards in Canada.

Out of the $10.573 trillion total volume transacted in 2017(from 148.222 billion payment transactions and 21.677 billion cash transactions), the U.S. led the way with $3.900 trillion, which made up of $3.347 trillion Payments Volume(PV) from 63.213 billions transactions and $553 billion Cash Volume(CV) from 3.898 billion transactions. Here is the statistic for rest of the world:- Asia Pacific $2.235 trillon($1,728 billion PV from 23.989 billion transactions + $507 billion CV from 3.802 billion transactions); Visa Europe $2.109 billon($1,546 billion PV from 32.299 billion transactions + $563 billion CV from 4.251 billion transactions); CEMEA $1,053 billon($349 billion PV from 13.370 billion transactions + $704 billion CV from 5.031 billion transactions); LAC $1,013 billon($410 billion PV from 12.087 billion transactions + $603 billion CV from 4.652 billion transactions); Canada $264 billon($243 billion PV from 3.264 billion transactions + $21 billion CV from 43 million transactions). Interestingly, the Cash Volume is higher than the Payment Volume in CEMEA and LAC. This is due to the popularity of Visa Debit Programs in these regions.

Visa cardholders(credit & debit) spend an average of $62.23 per transaction compares to $63.03 in 2016. This can be further separated into an average of $51.42 per payment transaction compares to $51.75 in 2016 and an average of $136.14 per cash transaction compares to $131.87 in 2016.

Visa Credit Programs vs. Visa Debit Programs
Total Volume for Visa Credit Programs is $4.556 trillion in 2017(from 57.,668 billion payment transactions and 973 million cash transactions), made up of $1.833 trillion($1,777 billion PV from 22.047 billion transactions + $56 billion CV from 64 million payment transactions) in the U.S. and $2.723 trillion($2,517 billion PV from 35.621 billion transactions + $206 billion CV from 908 million transactions) for rest of the world. There are a total of 1,084 million Visa credit cards in circulation as at December 31, 2017, made up of 340 million Visa credit cards in the U.S. and 744 million Visa credit cards for rest of the world.
Visa credit cardholders spend an average of $77.69 per transaction compares to $77.76 in 2016. This can be further separated into an average of $74.46 per payment transaction compares to $74.50 in 2016 and an average of $269.27 per cash transaction compares to $257.88 in 2016.

Total Volume for Visa Debit Programs is $6.017 trillion in 2017(from 90.554 billion payment transactions and 20.704 billion cash transactions), made up of $2.067 trillion($1.570 trillion PV from 41.165 billion transactions + $497 billion CV from 3.834 billion transactions) in the U.S. and $3.950 trillion($1,758 billion PV from 49.389 billion transactions + $2.192 trillion CV from 16.870 billion transactions) for rest of the world. There are a total of 2.166 billion Visa debit cards in circulation as at December 31, 2017, made up of 542 million Visa debit cards in the U.S. and 1,624 million Visa debit cards for rest of the world.
Visa debit cardholders spend an average of $54.08 per transaction compares to $54.68 in 2016. This can be further separated into an average of $36.75 per payment transaction compares to $35.67 in 2016 and an average of $129.88 per cash transaction compares to $125.81 in 2016.

3.133 billion Visa cards
As of December 31, 2016, the company’s customers had issued 3.133 billion Visa cards(2.798 billion accounts), an increase of 26.74% in 12 months period, if compares to 2.472 billion cards issued as at December 31, 2015.
Visa Inc. is the world’s largest retail electronic payments network, with over US$8.7 trillion transacted on their payment products over the four quarters ended December 31, 2016.
The U.S. made up $3.547 trillion of the total volume, while the rest of the world generated $5.189 trillion out of the $8.735 trillion total volume. A 18.75% growth recorded over the prior year of $7.356 trillion total volume.

Visa Total Volume Breakdown as of December 31, 2016
Visa Credit Programs in the U.S. generated $1.607 billion, while the rest of the world generated $2.295 trillion out of the $3.903 trillion. A 16.58% growth recorded in the Visa credit segment over the prior year of $3.348 trillion total volume.
Visa Debit Programs in the U.S. generated $1.939 trillion, while the rest of the world generated $2.893 trillion out of the $4.833 trillion. A 20.89% growth recorded in the Visa debit segment over the prior year of $3.998 trillion total volume.

The company has five operating regions: Asia-Pacific; Central and Eastern Europe, Visa Europe, Middle East and Africa(CEMEA), Latin America and Caribbean(LAC), and North America(U.S. and Canada).

Out of the 3.133 billion cards in circulation as at December 31, 2016, the Asia Pacific led the way with 908 million cards, followed closely by 862 million cards in United States, 531 million cards in Visa Europe, 453 million cards in LAC, 322 million cards in CEMEA and 56 million cards in Canada.

Out of the $8.735 trillion total volume transacted in 2016(from 119.047 billion payment transactions and 19.527 billion cash transactions), the U.S. led the way with $3.547 trillion, which made up of $3.015 trillion Payments Volume(PV) from 58.573 billions transactions and $532 billion Cash Volume(CV) from 3.798 billion transactions. Here is the statistic for rest of the world:- Asia Pacific $2.120 trillon($1,599 billion PV from 20.869 billion transactions + $522 billion CV from 3.948 billion transactions); Visa Europe $997 billon($715 billion PV from 14.847 billion transactions + $283 billion CV from 2.193 billion transactions); CEMEA $921 billon($260 billion PV from 10.006 billion transactions + $660 billion CV from 4.960 billion transactions); LAC $913 billon($354 billion PV from 11.810 billion transactions + $559 billion CV from 4.584 billion transactions); Canada $238 billon($218 billion PV from 2.942 billion transactions + $19 billion CV from 45 million transactions). Interestingly, the Cash Volume is higher than the Payment Volume in CEMEA and LAC. This is due to the popularity of Visa Debit Programs in these regions.

Visa cardholders(credit & debit) spend an average of $63.03 per transaction compares to $67.42 in 2015. This can be further separated into an average of $51.75 per payment transaction compares to $54.24 in 2015 and an average of $131.87 per cash transaction compares to $138.92 in 2015.

Visa Credit Programs vs. Visa Debit Programs
Total Volume for Visa Credit Programs is $3.903 trillion in 2016(from 49.303 billion payment transactions and 888 million cash transactions), made up of $1.607 trillion($1,549 billion PV from 19.120 billion transactions + $59 billion CV from 68 million payment transactions) in the U.S. and $2.259 trillion($2,124 billion PV from 30.184 billion transactions + $171 billion CV from 821 million transactions) for rest of the world. There are a total of 1,063 million Visa credit cards in circulation as at December 31, 2016, made up of 335 million Visa credit cards in the U.S. and 728 million Visa credit cards for rest of the world.
Visa credit cardholders spend an average of $77.76 per transaction compares to $81.29 in 2015. This can be further separated into an average of $74.50 per payment transaction compares to $77.84 in 2015 and an average of $257.88 per cash transaction compares to $277.62 in 2015.

Total Volume for Visa Debit Programs is $4.833 trillion in 2016(from 69.744 billion payment transactions and 18.639 billion cash transactions), made up of $1.939 trillion($1.466 trillion PV from 39.453 billion transactions + $473 billion CV from 3.731 billion transactions) in the U.S. and $2.893 trillion($1,021 billion PV from 30.291 billion transactions + $1.872 trillion CV from 14.908 billion transactions) for rest of the world. There are a total of 2.070 billion Visa debit cards in circulation as at December 31, 2016, made up of 527 million Visa debit cards in the U.S. and 1,543 million Visa debit cards for rest of the world.
Visa debit cardholders spend an average of $54.68 per transaction compares to $58.99 in 2015. This can be further separated into an average of $35.67 per payment transaction compares to $35.71 in 2015 and an average of $125.81 per cash transaction compares to $132.83 in 2015.

2.472 billion Visa cards
As of December 31, 2015, the company’s customers had issued 2.472 billion Visa cards(2.176 billion accounts), an increase of 2.96% in 12 months period, if compares to 2.401 billion cards issued as at December 31, 2014.
Visa Inc. is the world’s largest retail electronic payments network, with over US$7.3 trillion transacted on their payment products over the four quarters ended December 31, 2015.
The U.S. made up $3.222 trillion of the total volume, while the rest of the world generated $4.124 trillion out of the $7.346 trillion total volume. A 0.14% declined recorded over the prior year of $7.356 trillion total volume.

Visa Total Volume Breakdown as of December 31, 2015
Visa Credit Programs in the U.S. generated $1.398 billion, while the rest of the world generated $1.949 trillion out of the $3.348 trillion. A 3.62% growth recorded in the Visa credit segment over the prior year of $3.231 trillion total volume.
Visa Debit Programs in the U.S. generated $1.823 trillion, while the rest of the world generated $2.175 trillion out of the $3.998 trillion. A 3.10% declined recorded in the Visa debit segment over the prior year of $4.126 trillion total volume.
This figure shows while the credit programs has continued to grow in 2015, Visa debit segment is going into the opposite direction.

The company has four operating regions: Asia-Pacific; Central and Eastern Europe, Middle East and Africa(CEMEA), Latin America and Caribbean(LAC), and North America(U.S. and Canada).

Out of the 2.472 billion cards in circulation as at December 31, 2015, the Asia Pacific led the way with 840 million cards, followed closely by 813 million cards in United States, 440 million cards in LAC, 326 million cards in CEMEA and 54 million cards in Canada.

Out of the $7.346 trillion total volume transacted in 2015(from 92.013 billion payment transactions and 16.952 billion cash transactions), the U.S. led the way with $3.222 trillion, which made up of $2.718 trillion Payments Volume(PV) from 53.108 billions transactions and $503 billion Cash Volume(CV) from 3.735 billion transactions. Here is the statistic for rest of the world:- Asia Pacific $2.038 trillon($1,466 billion PV from 18.057 billion transactions + $572 billion CV from 4.020 billion transactions); LAC $944 billon($357 billion PV from 10.733 billion transactions + $588 billion CV from 4.403 billion transactions); CEMEA $909 billon($236 billion PV from 7.413 billion transactions + $673 billion CV from 4.748 billion transactions); Canada $233 billon($214 billion PV from 2.702 billion transactions + $19 billion CV from 46 million transactions). Interestingly, the Cash Volume is higher than the Payment Volume in CEMEA and LAC. This is due to the popularity of Visa Debit Programs in these regions.

Visa cardholders(credit & debit) spend an average of $67.42 per transaction compares to $74.80 in 2014. This can be further separated into an average of $54.24 per payment transaction compares to $58.02 in 2014 and an average of $138.92 per cash transaction compares to $159.19 in 2014.

Visa Credit Programs vs. Visa Debit Programs
Total Volume for Visa Credit Programs is $3.348 trillion in 2015(from 40.480 billion payment transactions and 706 million cash transactions), made up of $1.398 trillion($1,343 billion PV from 16.309 billion transactions + $55 billion CV from 66 million payment transactions) in the U.S. and $1.949 trillion($1,808 billion PV from 24.171 billion transactions + $141 billion CV from 640 million transactions) for rest of the world. There are a total of 885 million Visa credit cards in circulation as at December 31, 2015, made up of 328 million Visa credit cards in the U.S. and 557 million Visa credit cards for rest of the world.
Visa credit cardholders spend an average of $81.29 per transaction compares to $87.48 in 2014. This can be further separated into an average of $77.84 per payment transaction compares to $82.82 in 2014 and an average of $277.62 per cash transaction compares to $304.01 in 2014.

Total Volume for Visa Debit Programs is $3.998 trillion in 2015(from 51.533 billion payment transactions and 16.246 billion cash transactions), made up of $1.823 trillion($1.375 trillion PV from 36.799 billion transactions + $448 billion CV from 3.669 billion transactions) in the U.S. and $2.175 trillion($465 billion PV from 14.734 billion transactions + $1.710 trillion CV from 12.577 billion transactions) for rest of the world. There are a total of 1.587 billion Visa debit cards in circulation as at December 31, 2015, made up of 484 million Visa debit cards in the U.S. and 1,102 million Visa debit cards for rest of the world.
Visa debit cardholders spend an average of $58.99 per transaction compares to $67.19 in 2014. This can be further separated into an average of $35.71 per payment transaction compares to $38.47 in 2014 and an average of $132.83 per cash transaction compares to $151.98 in 2014.

2.401 billion Visa cards
As of December 31, 2014, the company’s customers had issued 2.401 billion Visa cards(2.089 billion accounts), an increase of 8.15% in 12 months period, if compares to 2.220 billion cards issued as at December 31, 2013.
Visa Inc. is the world’s largest retail electronic payments network, with over US$7.3 trillion transacted on their payment products over the four quarters ended December 31, 2014.
The U.S. made up $2.968 trillion of the total volume, while the rest of the world generated $4.388 trillion out of the $7.356 trillion total volume. A 5.52% growth recorded over the prior year of $6.971 trillion total volume.

Visa Credit Programs in the U.S. generated $1.265 billion, while the rest of the world generated $1.966 trillion out of the $3.231 trillion. A good 7.59% growth recorded in the Visa credit segment over the prior year of $3.003 trillion total volume.
Visa Debit Programs in the U.S. generated $1.703 trillion, while the rest of the world generated $2.423 trillion out of the $4.126 trillion. A good 4.03% growth recorded in the Visa debit segment over the prior year of $3.966 trillion total volume.
This figure shows both, the credit programs and the debit programs have continued to grow in 2014, although the growth of Visa debit segment is slower than 2013.

Visa Total Volume Breakdown as of December 31, 2014
The company has four operating regions: Asia-Pacific; Central and Eastern Europe, Middle East and Africa(CEMEA), Latin America and Caribbean(LAC), and North America(U.S. and Canada).

Out of the 2.401 billion cards in circulation as at December 31, 2014, the Asia Pacific led the way with 797 million cards, followed closely by 782 million cards in United States, 452 million cards in LAC, 321 million cards in CEMEA and 49 million cards in Canada.

Out of the $7.356 trillion total volume transacted in 2014(from 82.036 billion payment transactions and 16.308 billion cash transactions), the U.S. led the way with $2.968 trillion, which made up of $2.486 trillion Payments Volume(PV) from 48.273 billions transactions and $482 billion Cash Volume(CV) from 3.687 billion transactions. Here is the statistic for rest of the world:- Asia Pacific $1.986 trillon($1.376 trillion PV from 15.581 billion transactions + $610 billion CV from 3.722 billion transactions); LAC $1,077 billon($408 billion PV from 9.939 billion transactions + $668 billion CV from 4.183 billion transactions); CEMEA $1,075 billon($256 billion PV from 5.743 billion transactions + $816 billion CV from 4.670 billion transactions); Canada $254 billon($234 billion PV from 2.500 billion transactions + $20 billion CV from 46 million transactions). Interestingly, the Cash Volume is higher than the Payment Volume in CEMEA and LAC. This is due to the popularity of Visa Debit Programs in these regions.

Visa cardholders(credit & debit) spend an average of $74.82 per transaction compares to $77.73 in 2013. This can be further separated into an average of $58.04 per payment transaction compares to $59.04 in 2013 and an average of $159.14 per cash transaction compares to $167.86 in 2013.

Visa Credit Programs vs. Visa Debit Programs
Total Volume for Visa Credit Programs is $3.231 trillion in 2014(from 36.163 billion payment transactions and 773 million cash transactions), made up of $1.265 trillion($1,213 billion PV from 14.412 billion transactions + $52 billion CV from 64 million payment transactions) in the U.S. and $1.966 trillion($1,782 billion PV from 21.750 billion transactions + $184 billion CV from 709 million transactions) for rest of the world. There are a total of 857 million Visa credit cards in circulation as at December 31, 2014, made up of 313 million Visa credit cards in the U.S. and 543 million Visa credit cards for rest of the world.
Visa credit cardholders spend an average of $87.48 per transaction compares to $89.50 in 2013. This can be further separated into an average of $82.82 per payment transaction compares to $84.14 in 2013 and an average of $304.01 per cash transaction compares to $298.56 in 2013.

Total Volume for Visa Debit Programs is $4.126 trillion in 2014(from 45.874 billion payment transactions and 15.535 billion cash transactions), made up of $1.703 trillion($1.273 trillion PV from 33.861 billion transactions + $430 billion CV from 3.623 billion transactions) in the U.S. and $2.423 trillion($493 billion PV from 12.013 billion transactions + $1.930 trillion CV from 11.912 billion transactions) for rest of the world. There are a total of 1.545 billion Visa debit cards in circulation as at December 31, 2014, made up of 469 million Visa debit cards in the U.S. and 1,076 million Visa debit cards for rest of the world.
Visa debit cardholders spend an average of $67.19 per transaction compares to $70.68 in 2013. This can be further separated into an average of $38.47 per payment transaction compares to $39.21 in 2013 and an average of $151.98 per cash transaction compares to $160.36 in 2013.

2.220 billion Visa cards
As of December 31, 2013, the company’s customers had issued 2.220 billion Visa cards(1.926 billion accounts), an increase of 5.51% in 12 months period, if compares to 2.104 billion cards issued as at December 31, 2012.
Visa Inc. is the world’s largest retail electronic payments network, with over US$6.9 trillion transacted on their payment products over the four quarters ended December 31, 2013.
The U.S. made up $2.723 trillion of the total volume, while the rest of the world generated $4.248 trillion out of the $6.971 trillion total volume. A 8.03% growth recorded over the prior year of $6.453 trillion total volume.

Visa Credit Programs in the U.S. generated $1.127 billion, while the rest of the world generated $1.876 trillion out of the $3.003 trillion. A good 7.83% growth recorded in the Visa credit segment over the prior year of $2.785 trillion total volume.
Visa Debit Programs in the U.S. generated $1.596 trillion, while the rest of the world generated $2.371 trillion out of the $3.966 trillion. A good 8.12% growth recorded in the Visa debit segment over the prior year of $3.668 trillion total volume.
This figure shows both, the credit programs and the debit programs have continued to grow in 2013, although the growth of Visa credit segment is slower than 2012.

Visa Total Volume Breakdown as of December 31, 2013
The company has four operating regions: Asia-Pacific; Central and Eastern Europe, Middle East and Africa(CEMEA), Latin America and Caribbean(LAC), and North America(U.S. and Canada).

Out of the 2.220 billion cards in circulation as at December 31, 2013, the Asia Pacific led the way with 721 million cards, followed closely by 719 million cards in United States, 437 million cards in LAC, 300 million cards in CEMEA and 43 million cards in Canada.

Out of the $6.971 trillion total volume transacted in 2013(from 74.273 billion payment transactions and 15.415 billion cash transactions), the U.S. led the way with $2.723 trillion, which made up of $2.267 trillion Payments Volume(PV) from 44.571 billions transactions and $456 billion Cash Volume(CV) from 3.576 billion transactions. Here is the statistic for rest of the world:- Asia Pacific $1.862 trillon($1.253 trillion PV from 13.703 billion transactions + $609 billion CV from 3.316 billion transactions); LAC $1,078 billon($407 billion PV from 9.400 billion transactions + $671 billion CV from 3.965 billion transactions); CEMEA $1,056 billon($225 billion PV from 4.331 billion transactions + $831 billion CV from 4.513 billion transactions); Canada $252 billon($232 billion PV from 2.268 billion transactions + $20 billion CV from 44 million transactions). Interestingly, the Cash Volume is higher than the Payment Volume in CEMEA and LAC. This is due to the popularity of Visa Debit Programs in those regions.

Visa cardholders(credit & debit) spend an average of $77.73 per transaction compares to $78.97 in 2012. This can be further separated into an average of $59.04 per payment transaction compares to $59.77 in 2012 and an average of $167.86 per cash transaction compares to $167.90 in 2012.

Visa Credit Programs vs. Visa Debit Programs
Total Volume for Visa Credit Programs is $3.003 trillion in 2013(from 32.728 billion payment transactions and 834 million cash transactions), made up of $1.127 trillion($1,079 billion PV from 12.800 billion transactions + $48 billion CV from 62 million payment transactions) in the U.S. and $1.876 trillion($1,675 billion PV from 19.928 billion transactions + $201 billion CV from 772 million transactions) for rest of the world. There are a total of 811 million Visa credit cards in circulation as at December 31, 2013, made up of 280 million Visa credit cards in the U.S. and 531 million Visa credit cards for rest of the world.
Visa credit cardholders spend an average of $89.50 per transaction compares to $91.08 in 2012. This can be further separated into an average of $84.14 per payment transaction compares to $85.49 in 2012 and an average of $298.56 per cash transaction compares to $293.90 in 2012.

Total Volume for Visa Debit Programs is $3.967 trillion in 2013(from 41.546 billion payment transactions and 14.580 billion cash transactions), made up of $1.594 trillion($1.188 trillion PV from 31.771 billion transactions + $408 billion CV from 3.514 billion transactions) in the U.S. and $2.371 trillion($442 billion PV from 9.774 billion transactions + $1.930 trillion CV from 11.067 billion transactions) for rest of the world. There are a total of 1.409 billion Visa debit cards in circulation as at December 31, 2013, made up of 439 million Visa debit cards in the U.S. and 970 million Visa debit cards for rest of the world.
Visa debit cardholders spend an average of $70.68 per transaction compares to $71.73 in 2012. This can be further separated into an average of $39.21 per payment transaction compares to $39.34 in 2012 and an average of $160.36 per cash transaction compares to $160.27 in 2012.

2.104 billion Visa cards
As of December 31, 2012, the company’s customers had issued 2.104 billion Visa cards(1.801 billion accounts), an increase of 6.42% in 12 months period, if compares to 1.977 billion cards issued as at December 31, 2011.
Visa Inc. is the world’s largest retail electronic payments network, with over US$6.4 trillion transacted on their payment products over the four quarters ended December 31, 2012.
The U.S. made up $2.527 trillion of the total volume, while the rest of the world generated $3.927 trillion out of the $6.453 trillion total volume. A 7.05% growth recorded over the prior year of $6.028 trillion total volume.

Visa Credit Programs in the U.S. generated $1.025 billion, while the rest of the world generated $1.760 trillion out of the $2.785 trillion. A significant 13.21% growth recorded in the Visa credit segment over the prior year of $2.460 trillion total volume.
Visa Debit Programs in the U.S. generated $1.501 trillion, while the rest of the world generated $2.167 trillion out of the $3.668 trillion. An ecouraging 5.37% growth recorded in the Visa debit segment over the prior year of $3.481 trillion total volume.
This figure shows both, the credit programs and the debit programs have continued to grow in 2012, although slower than 2011 performance.

Visa Total Volume Breakdown as of December 31, 2012
The company has four operating regions: Asia-Pacific; Central and Eastern Europe, Middle East and Africa(CEMEA), Latin America and Caribbean(LAC), and North America(U.S. and Canada).

Out of the 2.104 billion cards in circulation as at December 31, 2012, the United States led the way with 693 million cards, followed closely by 670 million cards in Asia Pacific, 431 million cards in LAC, 272 million cards in CEMEA and 38 million cards in Canada.

Out of the $6.453 trillion total volume transacted in 2012(from 67.203 billion payment transactions and 14.509 billion cash transactions), the U.S. led the way with $2.527 trillion, which made up of $2.087 trillion Payments Volume(PV) from 41.122 billions transactions and $440 billion Cash Volume(CV) from 3.550 billion transactions. Here is the statistic for rest of the world:- Asia Pacific $1.708 trillon($1.149 trillion PV from 12.256 billion transactions + $559 billion CV from 2.735 billion transactions); LAC $1,033 billon($378 billion PV from 8.654 billion transactions + $655 billion CV from 3.860 billion transactions); CEMEA $940 billon($178 billion PV from 3.107 billion transactions + $761 billion CV from 4.321 billion transactions); Canada $246 billon($226 billion PV from 2.056 billion transactions + $20 billion CV from 43 million transactions). Interestingly, the Cash Volume is higher than the Payment Volume in CEMEA and LAC. This is due to the popularity of Visa Debit Programs in those regions.

Visa cardholders(credit & debit) spend an average of $78.97 per transaction compares to $77.66 in 2011. This can be further separated into an average of $59.77 per payment transaction compares to $58.91 in 2011 and an average of $167.90 per cash transaction compares to $165.62 in 2011.

Visa Credit Programs vs. Visa Debit Programs
Total Volume for Visa Credit Programs is $2.785 trillion in 2012(from 29.757 billion payment transactions and 820 million cash transactions), made up of $1.025 trillion($981 billion PV from 11.591 billion transactions + $44 billion CV from 61 million payment transactions) in the U.S. and $1.760 trillion($1,563 billion PV from 18.166 billion transactions + $197 billion CV from 759 million transactions) for rest of the world. There are a total of 795 million Visa credit cards in circulation as at December 31, 2012, made up of 277 million Visa credit cards in the U.S. and 518 million Visa credit cards for rest of the world.
Visa credit cardholders spend an average of $91.08 per transaction compares to $92.47 in 2011. This can be further separated into an average of $85.49 per payment transaction compares to $85.97 in 2011 and an average of $293.90 per cash transaction compares to $314.91 in 2011.

Total Volume for Visa Debit Programs is $3.668 trillion in 2012(from 37.446 billion payment transactions and 13.689 billion cash transactions), made up of $1.501 trillion($1.105 trillion PV from 29.531 billion transactions + $396 billion CV from 3.490 billion transactions) in the U.S. and $2.167 trillion($368 billion PV from 7.915 billion transactions + $1.799 trillion CV from 10.200 billion transactions) for rest of the world. There are a total of 1.309 billion Visa debit cards in circulation as at December 31, 2012, made up of 416 million Visa debit cards in the U.S. and 893 million Visa debit cards for rest of the world.
Visa debit cardholders spend an average of $71.73 per transaction compares to $69.53 in 2011. This can be further separated into an average of $39.34 per payment transaction compares to $39.39 in 2011 and an average of $160.27 per cash transaction compares to $156.52 in 2011.

1.977 billion Visa cards
As of December 31, 2011, the company’s customers had issued 1.977 billion Visa cards(1.701 billion accounts), an increase of 4.16% in 12 months period, if compares to 1.898 billion cards issued as at December 31, 2010.
Visa Inc. is the world’s largest retail electronic payments network, with over US$6 trillion transacted on their payment products over the four quarters ended December 31, 2011.
The U.S. made up $2.460 trillion of the total volume, while the rest of the world generated $3.568 trillion out of the $6.028 trillion total volume. A 16.1% growth recorded over the prior year of $5.193 trillion total volume.

Visa Credit Programs in the U.S. generated $933 billion, while the rest of the world generated $1.614 trillion out of the $2.548 trillion. A significant 16.03% growth recorded in the Visa credit segment over the prior year of $2.196 trillion total volume.
Visa Debit Programs in the U.S. generated $1.527 trillion, while the rest of the world generated $1.954 trillion out of the $3.481 trillion. A significant 16.15% growth recorded in the Visa debit segment over the prior year of $2.997 trillion total volume.
This figure shows both, the credit programs and the debit programs have continued to grow in 2011.

Visa Total Volume Breakdown as of December 31, 2011
The company has four operating regions: Asia-Pacific; Central and Eastern Europe, Middle East and Africa(CEMEA), Latin America and Caribbean(LAC), and North America(U.S. and Canada).

Out of the 1.977 billion cards in circulation as at December 31, 2011, the United States led the way with 670 million cards, followed closely by 613 million cards in Asia Pacific, 414 million cards in LAC, 243 million cards in CEMEA and 36 million cards in Canada.

Out of the $6.028 trillion total volume transacted in 2011(from 63.966 billion payment transactions and 13.652 billion cash transactions), the U.S. led the way with $2.460 trillion, which made up of $2.041 trillion Payments Volume(PV) from 41.105 billions transactions and $419 billion Cash Volume(CV) from 3.527 billion transactions. Here is the statistic for rest of the world:- Asia Pacific $1.542 trillon($1.027 trillion PV from 11.222 billion transactions + $515 billion CV from 2.424 billion transactions); LAC $978 billon($345 billion PV from 7.530 billion transactions + $633 billion CV from 3.699 billion transactions); CEMEA $815 billon($141 billion PV from 2.227 billion transactions + $674 billion CV from 3.963 billion transactions); Canada $234 billon($214 billion PV from 1.884 billion transactions + $20 billion CV from 40 million transactions). Interestingly, the Cash Volume is higher than the Payment Volume in CEMEA and LAC. This is due to the popularity of Visa Debit Programs in those regions.

Visa cardholders(credit & debit) spend an average of $77.66 per transaction compares to $73.43 in 2010. This can be further separated into an average of $58.91 per payment transaction compares to $56.34 in 2010 and an average of $165.62 per cash transaction compares to $152.45 in 2010.

Visa Credit Programs vs. Visa Debit Programs
Total Volume for Visa Credit Programs is $2.548 trillion in 2011(from 26.777 billion payment transactions and 778 million cash transactions), made up of $933 billion($889 billion PV from 10.327 billion transactions + $45 billion CV from 65 million payment transactions) in the U.S. and $1.614 trillion($1,414 billion PV from 16.450 billion transactions + $201 billion CV from 713 million transactions) for rest of the world. There are a total of 779 million Visa credit cards in circulation as at December 31, 2011, made up of 263 million Visa credit cards in the U.S. and 516 million Visa credit cards for rest of the world.
Visa credit cardholders spend an average of $92.47 per transaction compares to $87.51 in 2010. This can be further separated into an average of $85.97 per payment transaction compares to $81.23 in 2010 and an average of $314.91 per cash transaction compares to $313.32 in 2010.

Total Volume for Visa Debit Programs is $3.481 trillion in 2011(from 37.189 billion payment transactions and 12.874 billion cash transactions), made up of $1.527 trillion($1.152 trillion PV from 30.778 billion transactions + $374 billion CV from 3.462 billion transactions) in the U.S. and $1.954 trillion($313 billion PV from 6.411 billion transactions + $1.641 trillion CV from 9.413 billion transactions) for rest of the world. There are a total of 1.198 billion Visa debit cards in circulation as at December 31, 2011, made up of 407 million Visa debit cards in the U.S. and 791 million Visa debit cards for rest of the world.
Visa debit cardholders spend an average of $69.53 per transaction compares to $65.69 in 2010. This can be further separated into an average of $39.39 per payment transaction compares to $38.32 in 2010 and an average of $156.52 per cash transaction compares to $143.22 in 2010.

1.897 billion Visa cards
As of December 31, 2010, the company’s customers had issued 1.897 billion Visa cards(1.604 billion accounts), an increase of 4.92% if compares to 1.808 billion cards issued as at December 31, 2009.
Visa Inc. is the world’s largest retail electronic payments network, with nearly US$5.2 trillion transacted on their payment products over the four quarters ended December 31, 2010.
The U.S. made up $2.250 trillion of the total volume, while the rest of the world generated $2.941 trillion out of the $5.191 trillion total volume. A 17.26% growth recorded over the prior year of $4.427 trillion total volume.

Visa Credit Programs in the U.S. generated $852 billion, while the rest of the world generated $1.344 trillion out of the $2.196 trillion. A significant 12.79% growth recorded in the Visa credit segment over the prior year of $1.947 trillion total volume.
Visa Debit Programs in the U.S. generated $1.398 trillion, while the rest of the world generated $1.597 trillion out of the $2.995 trillion. A significant 20.81% growth recorded in the Visa debit segment over the prior year of $2.479 trillion total volume.
This figure shows the credit programs is recovering from the financial crisis while the debit programs has continued to grow in 2010.

Visa Total Volume Breakdown as of December 31, 2010
The company has four operating regions: Asia-Pacific; Central and Eastern Europe, Middle East and Africa(CEMEA), Latin America and Caribbean(LAC), and North America(U.S. and Canada).

Out of the 1.897 billion cards in circulation, the United States led the way with 685 million cards, followed closely by 571 million cards in Asia Pacific, 387 million cards in LAC, 222 million cards in CEMEA and 33 million cards in Canada.

Out of the $5.191 trillion total volume transacted(from 58.181 billion payment transactions and 12.577 billion cash transactions), the U.S. led the way with $2.250 trillion, which made up of $1.863 trillion Payments Volume(PV) from 37.824 billions transactions and $387 billion Cash Volume(CV) from 3.334 billion transactions. Here is the statistic for rest of the world:- Asia Pacific $1.292 trillon($844 billion PV from 10.487 billion transactions + $448 billion CV from 2.309 billion transactions); LAC $796 billon($270 billion PV from 6.487 billion transactions + $526 billion CV from 3.460 billion transactions); CEMEA $643 billon($104 billion PV from 1.644 billion transactions + $538 billion CV from 3.438 billion transactions); Canada $211 billon($192 billion PV from 1.739 billion transactions + $18 billion CV from 36 million transactions). Interestingly, the Cash Volume is higher than the Payment Volume in CEMEA and LAC. This is due to the popularity of Visa Debit Programs in those regions.

Visa cardholders(credit & debit) spend an average of $73.36 per transaction compares to $71.21 in 2009. This can be further separated into an average of $56.26 per payment transaction compares to $55.03 in 2009 and an average of $152.42 per cash transaction compares to $143.25 in 2009.

Visa Credit Programs vs. Visa Debit Programs
Total Volume for Visa Credit Programs is $2.196 trillion(from 24.491 billion payment transactions and 683 million cash transactions), made up of $852 billion($809 billion PV from 9.429 billion transactions + $43 billion CV from 67 million payment transactions) in the U.S. and $1.344 trillion($1,172 billion PV from 15.062 billion transactions + $171 billion CV from 617 million transactions) for rest of the world. There are a total of 770 million Visa credit cards in circulation, made up of 267 million Visa credit cards in the U.S. and 503 million Visa credit cards for rest of the world.
Visa credit cardholders spend an average of $87.23 per transaction compares to $84.13 in 2009. This can be further separated into an average of $80.93 per payment transaction compares to $77.20 in 2009 and an average of $313.32 per cash transaction compares to $330.70 in 2009.

Total Volume for Visa Debit Programs is $2.995 trillion(from 33.690 billion payment transactions and 11.894 billion cash transactions), made up of $1.398 trillion($1.053 trillion PV from 28.395 billion transactions + $344 billion CV from 3.267 billion transactions) in the U.S. and $1.597 trillion($238 billion PV from 5.294 billion transactions + $1.359 trillion CV from 8.627 billion transactions) for rest of the world. There are a total of 1.127 billion Visa debit cards in circulation, made up of 418 million Visa debit cards in the U.S. and 709 million Visa debit cards for rest of the world.
Visa debit cardholders spend an average of $65.70 per transaction compares to $63.53 in 2009. This can be further separated into an average of $38.35 per payment transaction compares to $37.35 in 2009 and an average of $143.18 per cash transaction compares to $132.26 in 2009.

1.808 billion Visa cards
As of December 31, 2009, the company’s customers had issued 1.808 billion Visa cards(1.5 billion accounts), an increase of 5.24% if compares to 1.718 billion cards issued as at December 31, 2008.

Visa Inc. is the world’s largest retail electronic payments network, with over US$4.4 trillion transacted on their payment products over the four quarters ended December 31, 2009. The U.S. made up $2.014 trillion of the total volume, while the rest of the world generated $2.413 trillion out of the $4.427 trillion total volume. A 1.81% growth recorded over the prior year of $4.348 trillion total volume.

Visa Credit Programs in the U.S. generated $830 billion, while the rest of the world generated $1.117 trillion out of the $1.947 trillion. A negative 4.79% in growth recorded in the Visa credit segment over the prior year of $2.045 trillion total volume.
Visa Debit Programs in the U.S. generated $1.184 trillion, while the rest of the world generated $1.296 trillion out of the $2.479 trillion. A healthy 7.64% growth recorded in the Visa debit segment over the prior year of $2.303 trillion total volume.
This figure shows the credit programs is affected by the financial crisis whereas the debit programs has continued to grow in 2009.

Consumer Credit: Baseline and Premium
Visa consumer credit product platforms allow issuers to offer deferred payment and financing products that can be customized to meet the needs of all consumer segments.

Visa baseline consumer credit platform is marketed to their issuers as Visa Traditional in the United States and Visa Classic in the rest of the world. Issuers offering credit products based on this platform are required to meet minimum requirements for product functionality and to offer certain services, such as a reporting service for lost or stolen cards.

In addition, Visa offers premium credit platforms, which enable issuers to tailor programs to consumers requiring higher credit lines or enhanced benefits, such as loyalty programs. Visa premium consumer credit platforms are marketed as Visa Gold, Visa Platinum, Visa Signature and Visa Infinite. Issuers offering these credit products are required to provide certain functionality and enhanced cardholder services that may vary by product and region.

Aside that, Visa also offers consumer deposit access. The deposit access product platforms enable issuers to offer consumer payment and cash access products that draw upon consumer deposit accounts, such as checking, demand deposit, asset or other pre-funded accounts.

Visa Total Volume Breakdown as of December 31, 2009
The company has four operating regions: Asia-Pacific; Central and Eastern Europe, Middle East and Africa(CEMEA), Latin America and Caribbean(LAC), and North America(U.S. and Canada).

Out of the 1.808 billion cards in circulation, the United States led the way with 690 million cards, followed closely by 531 million cards in Asia Pacific, 359 million cards in LAC, 196 million cards in CEMEA and 31 million cards in Canada.

Out of the $4.427 trillion total volume transacted(from 50.758 billion payment transactions and 11.407 billion cash transactions), the U.S. led the way with $2.014 trillion, which made up of $1.647 trillion Payments Volume(PV) from 32.951 billions transactions and $367 billion Cash Volume(CV) from 11.407 billions transactions. Here is the statistic for rest of the world:- Asia Pacific $1.087 trillion($692 billion PV from 9.508 billion transactions + $396 billion CV from 2.189 billion transactions); LAC $636 billon($211 billion PV from 5.468 billion transactions + $425 billion CV from 3.261 billion transactions); CEMEA $509 billon($79 billion PV from 1.247 billion transactions + $430 billion CV from 2.925 billion transactions); Canada $181 billon($164 billion PV from 1.585 billion transactions + $16 billion CV from 35 million transactions). Interestingly, the Cash Volume is higher than the Payment Volume in CEMEA and LAC. This is due to the popularity of Visa Debit Programs in those regions.

Visa cardholders(credit & debit) spend an average of $71.21 per transaction. This can be further separated into an average of $55.03 per payment transaction and an average of $143.25 per cash transaction.

Visa Credit Programs vs. Visa Debit Programs
Total Volume for Visa Credit Programs is $1.945 trillion(from 22.512 billion payment transactions and 632 million cash transactions), made up of $830 billion($764 billion PV from 9.040 billion transactions + $66 billion CV from 83 million transactions) in the U.S. and $1.115 trillion($973 billion PV from 13.472 billion transactions + $142 billion CV from 549 million transactions) for rest of the world. There are a total of 784 million Visa credit cards in circulation, made up of 297 million Visa credit cards in the U.S. and 488 million Visa credit cards for rest of the world.
Visa credit cardholders spend an average of $84.13 per transaction. This can be further separated into an average of $77.20 per payment transaction and an average of $330.70 per cash transaction.

Total Volume for Visa Debit Programs is $2.478 trillion(from 28.246 billion payment transactions and 10.774 billion cash transactions), made up of $1.184 trillion($883 billion PV from 23.911 billion transactions + $302 billion CV from 2.914 billion transactions) in the U.S. and $1.294 trillion($173 billion PV from 4.335 billion transactions + $1.120 trillion CV from 7.860 billion transactions) for rest of the world. There are a total of 1.024 billion Visa debit cards in circulation, made up of 394 million Visa debit cards in the U.S. and 630 million Visa debit cards for rest of the world.
Visa debit cardholders spend an average of $63.53 per transaction. This can be further separated into an average of $37.35 per payment transaction and an average of $132.26 per cash transaction.

Note: The statistic above provides information regarding the operational results for the 12 months ended December 31, 2009, for cards carrying the Visa, Visa Electron and Interlink brands. Card counts include PLUS proprietary cards.

Visa Europe is a separate entity that is an exclusive licensee of Visa Inc.’s trademarks and technology in the European region. As such, the Visa volume statistics exclude Visa Europe.

Payments Volume represents the aggregate dollar amount of purchases made with cards carrying the Visa, Visa Electron and Interlink brands for the relevant period; and Cash Volume represents the aggregate dollar amount of cash disbursements obtained with these cards for the relevant period and includes the impact of balance transfers and convenience checks; but excludes proprietary PLUS volume. Total Volume represents Payments Volume plus Cash Volume.

1.723 billion Visa cards as of March 31, 2009
As of March 31, 2009, the company’s customers had issued 1.723 billion Visa cards, an increase of 6.4% if compares to 1.620 billion cards issued as at March 31, 2008.

Visa Inc. is the world’s largest retail electronic payments network, with nearly US$4.3 trillion transacted on their payment products over the four quarters ended March 31, 2009.

The U.S. made up $2.022 trillion of the total volume, while the rest of the world generated $2.257 trillion out of the $4.279 trillion total volume. A 6.7% growth recorded over the prior year of $4.010 trillion total volume.

Visa Credit Programs in the U.S. generated $916 billion, while the rest of the world generated $1.060 trillion out of the $1.976 trillion. A slow 0.3% growth recorded in the Visa credit segment over the prior year of $1.971 trillion total volume.

Visa Debit Programs in the U.S. generated $1.106 trillion, while the rest of the world generated $1.197 trillion out of the $2.303 trillion. A significant 13% growth recorded in the Visa debit segment over the prior year of $2.039 trillion total volume.

Visa Total Volume Breakdown as of March 31, 2009
The company has four operating regions: Asia-Pacific; Central and Eastern Europe, Middle East and Africa(CEMEA), Latin America and Caribbean(LAC), and North America(U.S. and Canada).

Out of the 1.723 billion cards in circulation, the United States led the way with 664 million cards, followed closely by 506 million cards in Asia Pacific, 341 million cards in LAC, 182 million cards in CEMEA and 31 million cards in Canada.

Out of the $4.279 trillion total volume transacted, the U.S. led the way with $2.022 trllion, which made up of $1.632 trillion Payments Volume(PV) and $391 billion Cash Volume(CV). Here is the statistic for rest of the world:- Asia Pacific $972 billon($633 billion PV + $339 billion CV); LAC $586 billon($189 billion PV + $397 billion CV); CEMEA $520 billon($77 billion PV + $443 billion CV); Canada $179 billon($160 billion PV + $19 billion CV). Interestingly, the Cash Volume is higher than the Payment Volume in CEMEA and LAC. This is due to the popularity of Visa Debit Programs in those regions.

Visa Credit Programs vs. Visa Debit Programs as of March 31, 2009
Total Volume for Visa Credit Programs is $1.976 trillion, made up of $916 billion($805 billion PV + $111 billion CV) in the U.S. and $1.060 trillion($909 billion PV + $151 billion CV) for rest of the world. There are a total of 798 million Visa credit cards in circulation, made up of 318 million Visa credit cards in the U.S. and 480 million Visa credit cards for rest of the world.

Total Volume for Visa Debit Programs is $2.303 trillion, made up of $1.106 trillion($827 billion PV + $279 billion CV) in the U.S. and $1.197 trillion($151 billion PV + $1.046 trillion CV) for rest of the world. There are a total of 925 million Visa debit cards in circulation, made up of 346 million Visa debit cards in the U.S. and 579 million Visa debit cards for rest of the world.

Consumer Debit
Visa Debit. Our primary consumer debit platform uses the Visa brand mark. Through our rules and product platform requirements, we further segment our Visa debit product platform into Visa Classic, Visa Gold, Visa Platinum and Visa Infinite, which allows our issuers to customize their Visa debit programs and offer a range of benefits to their debit cardholders.

Interlink Debit. We provide the Interlink debit product platform in the United States and certain countries in the AP region. Interlink is a single-message point-of-sale debit network. It generally requires a cardholder to enter a personal identification number, or PIN, for authentication. Interlink allows our issuers to provide a full range of debit card offerings to their deposit account customers. Interlink acceptance marks may be included on Visa debit cards or issued as standalone debit cards.

Visa Electron Debit. Visa Electron is a payment product platform that permits issuers to require all transactions initiated from the card to be authorized electronically. It is primarily used by issuers offering payment programs to higher risk customer segments or in countries where electronic authorization is less prevalent, such as certain markets in the AP, LAC and CEMEA regions. Visa Electron is primarily issued as a consumer debit product, but Visa Electron can also be issued as a credit or prepaid product for consumers or businesses.

POS Check Service. The Visa POS Check Service enables merchants to convert the account information on a consumer’s check into an electronic Visa transaction message at the point of sale if the check is drawn on a demand deposit account held at a participating Visa customer. This service, which is currently offered only in the United States, reduces the cost and time involved in merchant and financial institution processing of checks by taking advantage of Visa’s efficient electronic payments processing.

Cash Access
Our customers can provide global cash access to their cardholders by issuing products accepted at Visa and PLUS branded ATMs. Most Visa and Visa Electron branded cards offer customers cash access at ATMs, as well as at branches of our participating financial institution customers. The PLUS brand may also be included on issuers’ non-Visa branded cards to offer international cash access as a complement to domestic cash access services.

Prepaid
Our prepaid product platform enables issuers to offer products that access a designated pool of funds, allowing cardholders to enjoy the convenience and security of a payment card in lieu of cash or checks. Our prepaid platform includes gift, travel, youth, payroll, money transfer, voucher replacement, corporate incentive, insurance reimbursement and government benefits cards. Our prepaid cards can be distributed through a number of channels, including financial institution branches, Internet sites, merchants and employers.