About Visa

Visa is a global payments technology company that connects consumers, businesses, banks and governments in more than 200 countries and territories, enabling them to use digital currency instead of cash and checks. Visa has built one of the world's most advanced processing networks. It's capable of handling more than 24,000 transactions per second, with reliability, convenience and security, including fraud protection for consumers and guaranteed payment for merchants. Governments around the world have switched to digital currency instead of checks for benefits payments and purchasing in order to increase efficiency and lower costs, saving taxpayers money.

Visa Inc.
Visa Inc. is an American multinational financial services corporation headquartered in Foster City, California, United States. It facilitates electronic funds transfers throughout the world, most commonly through Visa-branded credit cards and debit cards. Visa does not issue cards, extend credit or set rates and fees for consumers; rather, Visa provides financial institutions with Visabranded payment products that they then use to offer credit, debit, prepaid and cash-access programs to their customers. Visa has operations across Asia-Pacific, North America, Central and South America, the Caribbean, Western Europe, Central and Eastern Europe, Africa and Middle East. Visa Europe is a separate membership entity that is an exclusive licensee of Visa Inc.'s trademarks and technology in the European region, issuing cards such as Visa Debit.

Visa (document)
A visa is a document showing that a person is authorized to enter or leave the territory for which it was issued, subject to permission of an immigration official at the time of actual entry. The authorization may be a document, but more commonly it is a stamp endorsed in the applicant's passport (or passport-replacing document). The country issuing the visa typically attaches various conditions of stay, such as the territory covered by the visa, dates of validity, period of stay, whether the visa is valid for more than one visit, etc.

A visa application in advance of arrival gives the country a chance to consider the applicant's circumstance, such as financial security, reason for applying, and details of previous visits to the country

Personal Applications

Visa Personal Payments

Global reach and convenience: A Visa Personal Payment through over 70 financial institutions in 17 countries to over a billion enabled Visa cardholders can be sent by just entering the recipients 16 digit Visa card number and the amount, and the funds are credited to the recipients Visa credit, debit or prepaid card. With Visa Personal Payments, you can send money to a family member, share expenses with a friend or pay off a Visa credit card bill or Pay your outstanding balance on your Visa credit card directly from your bank account. With Visa cards, you can get instant cash access at over 1.9 million ATMs in more than 200 countries and territories the world over.

How to use Visa Personal Payments?

Ask the bank if they offer Visa Personal Payments. Access the service through Net-banking, mobile or ATM. Enter the recipients 16 digit Visa card number and the amount you want to send. The money will be received into the recipient Visa credit, debit or prepaid card. Recipient can use the received funds at any Visa merchant or ATM. When sent to a Visa credit card, the received amount is offset against the outstanding balance.

Visa Payment Options

1. Visa Debit Card:

It allows you to get more from debit. It works like your current debit card allowing you to safely pay for things directly from your bank account, but is accepted at more places when you shop online and around the world. A Virtual Visa Debit allows you to shop online, over the phone and by mail order with money from your bank account. Convenience Save on trips to the ATM and leave your checkbook at home. You can choose to sign for purchases or use a PIN. Better security Visa monitors the account 24 hours a day to help prevent, detect and resolve fraud on your Visa Debit card. Better money management Your Visa Debit transactions are automatically deducted from your bank account, so you can access your up-to-date balance on your issuers' website or by phone. Your bank statement provides full details of your purchases, including merchant name, location, date and amoun

Visa Credit Cards

2. Visa Classic : The Visa Classic card is an ideal first card
because of its simplicity, flexibility, and worldwide recognition. Benefits : Unsurpassed Acceptance Around the World Zero Liability* Program Lost/Stolen Card Reporting Guaranteed Hotel Reservation Service 24-Hour cash access from Automated Teller Machines (ATMs) Itemized Monthly Statement Safer than cash/more convenient than cheques

3. Visa Gold :
As a Visa Gold cardholder, you may also receive travel assistance, medical and legal referral and assistance, plus toll-free access to Visas Global Customer Assistance Services, 24 hours a day, 365 days a year. Visa Gold is accepted at tens of millions of worldwide locations, including 1.9 million ATMs in the Visa Global ATM Network. Special recognition and offers at retail, dining, travel and entertainment establishments around the world, emergency card replacement, and cash disbursement services when you are traveling.

4. Visa Platinum :
24/7 Visa Platinum Concierge Wherever in the world you may be, you can be sure of Concierge Service that is available 24 hours a day, 7 days a week. Simply call our toll-free hotlines or contact us via our web enabled Concierge Online service. Travel accident insurance Pay for your travel with Visa Platinum and you, your spouse and dependent children will receive a minimum coverage of US$500,000 in travel accident insurance. Travel perks Experience VIP treatment and travel in style with our exclusive global travel offers. Lifestyle privileges Its the finer things in life that make being a Visa Platinum cardholder unique. From gallery openings to the finest dining, a world of indulgence awaits. Shopping rewards Be rewarded with a myriad of chic offers, discounts and privileges.

5. Visa Signature :
Rewards Earn reward points that can be redeemed for a host of exciting travel and lifestyle privileges. Visa Signature Concierge From travel arrangements and entertainment ideas, to fashion and technology trends, Visa Signature Concierge will delight you with their service and recommendations. Travel accident insurance Simply pay for your travel with Visa Signature and you can be sure of travel accident insurance coverage. Airport perks Experience VIP treatment at airport lounges as well as exciting privileges when you shop at airports across Asia. Hotel benefits Enjoy preferential treatment and automatic upgrades at some of the worlds best hotels. Golf privileges Enjoy discounted access to over 300 premium golf clubs around the world.

6. Visa Infinite :
Concierge services Whether at home or overseas, the Visa Infinite Concierge is at your service 24 hours a day, 7 days a week. You will have access to a host of lifestyle services including hotel bookings and flight reservations, through Visa Infinite Concierge or our web-enabled Concierge Online service. Travel accident insurance Enjoy a minimum coverage of US$1,000,000 in travel accident insurance when you pay for your travel with Visa Infinite. Worldwide airport lounge access When youre abroad, you can enjoy complimentary access to participating airport lounges worldwide. Airport perks Enjoy exclusive airport lounge access as well as exciting privileges when you shop at airports across Asia. Hotel benefits Get up to 75% off at more than 55,000 hotels worldwide.

Business and Government

Corporate and Govt. Programs

Visa Purchasing: A Visa Purchasing card simplifies the companys purchasing process, reduce paperwork, and save time and money. Visa Corporate: The Visa Corporate card is a solution for medium, large and multinational corporations looking to save time and money by simplifying their travel and entertainment expense process. It is also for companies looking for a corporate travel and entertainment card that offers worldwide acceptance, value-added services and cash access. Visa Distribution: Designed for companies in the wholesale and distribution industries, the Visa Distribution Program is an excellent way to streamline the accounts receivable process, reduce paperwork, and save money.

 Visas Enhanced Data Services: Designed to support Visa Commercial Solutions, Visa's Enhanced Data Services enable access to consolidated management data, along with transaction details. Visa IntelliLink Spend Management: Visa IntelliLink Spend Management gives you complete spend management to gain global visibility, local control, and strategic advantage; comprehensive reporting and full-featured expense management in a single integrated offering. Data Integration: Visa expedites delivery of enhanced spending data on your purchases through standard file formats or through Visa reporting tools such as Visa Information Source. Data can then be integrated into your back-office expense reporting software, general ledger or other financial systems. After the enriched data such as Level III is collected, it can be transmitted through the Visa Commercial Format (VCF) or other widely used formats to meet business requirements.