Stronger relationships with strengthened merchants.
That's a better normal.

Visa Direct helps acquirers and payment facilitators deliver faster settlements to small businesses.

Small businesses want faster access to funds (including on weekends and bank holidays)

Traditional settlement solutions typically require merchants to wait days to collect card receivable payouts, and are only available on business days. Acquirers and payment facilitators can help merchants improve their liquidity by offering real-time¹, on-demand access to card sales revenue with Visa Direct, including on weekends and bank holidays.

of surveyed small businesses report cash flow as a monthly concern.²

of surveyed small businesses want faster settlement options.²

Deliver faster settlements with Visa Direct

Merchant settlements with Visa Direct allow payment facilitators to offer merchants the ability to collect card receivable payouts when they want, including on-demand, intra-day payouts. Visa Direct is a VisaNet capability that helps enable payments directly to merchant accounts in real-time¹ using card credentials. With Visa Direct, traditional payment solutions can be transformed into digital experiences that offer the ability to:

Reach merchants worldwide

Send money in real time¹to nearly two billion debit cards worldwide.

Read the fact sheet

Better settlement experiences

Build simple, on-demand settlements into your merchant offering, able to send funds 24/7/365.

Simplify payment operations

Unlock payments at scale with Visa Direct’s single access point.

Security and reliability

Access Visa’s trusted network to help you be confident that funds and information are handled securely and appropriately.

Discover faster merchant settlements

See how faster access to card sales can help small businesses manage their cash flow in today’s challenging economy, while enabling a new revenue stream for acquirers and payment facilitators.

Ipad displaying dashboard enabled by Visa Direct showing 1,645 euros in Total Sales and 1,425.96 euros ready for real-time payment.

See how it can work for your business

This short video demonstrates how easy it can be for merchants to access their earned revenue from their sales dashboard, with a faster settlement solution enabled by Visa Direct.³

Faster settlements are a win-win for Merchants and PayFacs

Real-time¹ merchant settlements enabled by Visa Direct can help create value and differentiation for acquirers and payment facilitators.

of surveyed merchants would pay for real-time settlements.²

Create a new revenue opportunity

According to a recent survey, 77% of surveyed small merchants with debit cards would pay for faster payouts through their business debit cards.²

of surveyed merchants would consider changing their acquirer relationship to receive real-time settlements.²

Help build deep merchant relationships

Faster settlements enabled by Visa Direct can help payment facilitators attract new merchant clients, while helping to deepen and protect their relationships with existing clients.

Get started with Visa Direct

Don’t make merchants wait days to get paid. Learn about setting up a Visa Direct enabled solution now.

¹Actual fund availability varies by receiving financial institution, receiving account type, region, and whether transaction is domestic or cross-border.
²Visa’s Small Business Preferences Survey, 2017, N=154 small businesses.
³Use cases are for illustrative purposes only. Programme providers are responsible for their programmes and compliance with any applicable laws and regulations.

Stronger relationships with strengthened merchants. That's a better normal.