Visa es una tarjeta de crédito y débito que funciona a nivel mundial. Es operada por Visa International Service Association, con sede en San Francisco, California (EE.UU.). Es una joint venture de 21 000 instituciones financieras que ofrecen productos Visa. Visa es una de las marcas de pago líderes del mundo. Las tarjetas Visa generan un volumen de ventas de casi 3 billones de dólares anuales. En Europa hay más de 282 millones de tarjetas de crédito, débito y de empresas Visa. En los 12 meses hasta fin de marzo de 2005 esas tarjetas se utilizaron para realizar compras y retiradas de efectivo por un volumen total de casi un billón de euros. Posee un alto nivel de aceptación que abarca comercios en más de 150 países. Es una asociación que destaca en la industria mundial de los medios de pago, desarrollando productos y tecnologías que utilizan tanto sus 21 000 entidades financieras miembro, como los titulares de tarjetas de crédito.

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Visa Inc. (/ˈviːzə/ or /ˈviːsə/) (also known as Visa, stylized as VISA) 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 Visa-branded payment products that they then use to offer credit, debit, prepaid and cash-access programs to their customers. In 2015, the Nilson Report, a publication that tracks the credit card industry, found that Visa’s global network (known as VisaNet) processed 100 billion transactions with a total volume of US$6.8 trillion. Visa has operations across all continents worldwide with the exception of Antarctica. 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 and Visa Credit. Nearly all Visa transactions worldwide are processed through VisaNet at one of two secure facilities: Operations Center East, located somewhere near Ashburn, Virginia; and Operations Center Central, located somewhere near Highlands Ranch, Colorado. Both data centers are heavily secured against natural disasters, crime, and terrorism; can operate independently of each other and from external utilities if necessary; and can handle up to 30,000 simultaneous transactions and up to 100 billion computations every second. Every transaction is checked past 500 variables including 100 fraud-detection parameters - such as the location and spending habits of the customer and the merchant's location - before being accepted.

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