Deepen merchant relationships
Strengthen relationships with existing merchants by enabling real-time³ money movement to eligible debit cards, whenever they want, even outside of traditional banking hours.
Deliver the next generation of money movement solutions with Visa Direct
Tap into the large and growing market for disbursements and global money movement. With Visa Direct1, acquirers, banks, fintechs, and other partners can offer their clients a single connection2 to reach billions of endpoints worldwide.
Acquirers and Payment Facilitators
Generate new revenue streams
Capture revenue by providing a range of disbursement and money movement use cases⁶ to your clients and expanding reach to over 180 countries.
Attract new clients
Create new client relationships by becoming the gateway to the Visa network for many types of businesses, including corporate payers, commercial banks, and fintechs.
Customise your own programme
Choose the right programme for your organisation by adding Visa Direct Value-Added Services including: foreign exchange (FX), reporting and settlement, risk and compliance and more.
Treasury Banks
Accelerate growth
Clients can serve new markets with the Payouts Application Programming Interface (API) – enabling them to move money to 180+ countries via card and account rails.
Revenue potential
By delivering to both cards and accounts and serving a variety of use cases via Visa Direct, you can pursue new revenue opportunities and deepen client relationships.
Streamline operations
We are a single point of access² to 16 card, 65 ACH and 7 RTP schemes⁷ through the Payouts API.
Manage risk
Visa Direct is built on the Visa Network and our trusted ecosystem of partners help banks achieve their desired levels of security, monitor risk and manage compliance.
Fintechs/ISVs
Revenue potential
Visa Direct use cases have the potential to generate convenience fees for real-time³ or cross-border payments.
Enhance existing money movement solutions
Delight your clients and end users with options to send and receive money to over 5 billion endpoints in 180+ countries and 160 currencies.
Offer a wide range of use cases
Join hundreds of tech companies providing Visa Direct solutions for peer-to-peer (P2P), cross-border payments, consumer and business disbursements, financial services, cryptocurrency platforms and more.⁶
Issuers
Fast digital deposits
When eligible Visa Debit cardholders receive push-to-card transactions, they can access funds in 30 minutes or less.³
Increase debit card usage
According to a recent Visa study, transaction activity and volume increased by 55% when debit card users received real-time³ push-to-card payments via Visa Direct.⁴
Robust risk controls
Visa manages a multi-layered system of controls and tools that clients can use to help mitigate fraud and compliance risk.
Enhanced P2P experience
Issuers can provide a real-time³ P2P push-to-card payment experience within their existing branded platform.
Today, hundreds of Visa Direct solution partners⁵ around the world are enabling money movement
It has really energised our business and merchants’ business. The number of [push-to-card transactions] has increased by about 5% each month since we launched in February 2018, which is shocking. And that’s every merchant.
— Manoj Verma, Chief Revenue Officer (CRO) and Co-Founder, TabaPay
As the insurance industry moves to a more customer-centric model with faster settlement of high-volume, low-dollar claims, our platform and Visa Direct are being recognised by many in the industry as the best way forward.
— Mike Long, Prefer Pay Product Manager, Commerce Bank
Simplify how you and your clients move money around the world
Discover how Visa Direct helps eliminate the need to manage multiple ACH or RTP schemes.
Robust risk controls
Visa Direct supports money movement around the world, while helping to meet the security, risk, and compliance needs of our clients and partners.
- ¹ Visa Direct is a network that facilitates funds transfers by Visa’s client financial institutions.
- ² The Unified API is available on a limited basis. Please check with your dedicated Visa Direct sales representative.
- ³ Actual fund availability depends on receiving financial institution and region.
- ⁴ This study was conducted by Visa using a test group of approximately 319K UK, 2.5M US and 2.2M Russian Visa Debit cardholders who received their first Original Credit Transaction (OCT) in September 2018. The test group included participants from different issuers and different spend and tenure levels, and covered Original Credit Transaction (OCT) receipts and all applicable Visa Direct P2P and funds disbursement programmes. Incremental debit card activity was calculated using the differential of the test group versus a matched control group.
- ⁵ Availability varies by market. Please refer to your Visa representative for more information on availability.
- ⁶ Use cases are for illustrative purposes only. Programme providers are responsible for their programmes and compliance with any applicable laws and regulations.
- ⁷ Twelve months 1 October – 30 September 2021. Visa Inc, Quarterly Results, Q4 2021 Transcript.