Overview

VisaNet
E-commerce
Credit
Person-to-person
Debit
B2B Payments
Mobile
Prepaid
Commercial
Electronic Benefits
Government

Prospering with
Electronic Payments
 Across the globe, change is taking
place. Payments are evolving. People,
businesses, and governments are
transitioning from the tradition of cash
and checks to the security, convenience,
and efficiency of electronic payments
and mobile commerce. And the Internet
of Things is expanding the possibilities
even further.
Moving to an electronic payments economy has been shown to drive
economic growth at every level — from local to national to global.
When merchants, customers, bankers, and governments can exchange
value with ease and security, business is easier to do, which means
more business gets done. Efficiency improves throughout the economy,
and stakeholders can more easily get the insight that enables them to
make clearer, more informed decisions. In effect, moving to an electronic
payments economy means moving into the future of commerce.

Enabling electronic payments.

An electronic payments network is key to making this shift possible. And
the network you process on makes an enormous difference in how much
progress you can make, and how rapidly it can happen. The network is
your foundation. It will define how quickly you can adapt in an increasingly
dynamic market. It must efficiently handle and systematically maintain
interdependencies, while managing growing complexity in the global
payments ecosystem. And it must integrate layers of intelligent security
that can prevent and quickly mitigate evolving fraud threats.

This is where VisaNet stands out.

Around the corner, around the world.

Why VisaNet
Economies of scale and skill at
work for you.
VisaNet is one of the world’s largest electronic payments network,
connecting more than 3.2 billion cards, nearly 16,300 financial institutions,
and processing over 24 million transactions every day.1 No other payments
network can match VisaNet for its scale, legacy of performance, and
reliability, proven over decades in action.

With this scale comes the advantage of experience and expertise.

VisaNet’s track record of outstanding reliability, adaptability, and
innovation is the result of astute design, including multiple fully
synchronized systems specifically engineered to eliminate any single
point of failure. Likewise, security has been built in at the cyber,
network, OS, and application levels to minimize the risk of exposure
and protect cardholders from the headaches and losses caused by fraud.

While this elaborately structured system provides protection, VisaNet

has also been designed for ultimate flexibility. In addition to transaction
processing, you can take advantage of value-added services developed
to improve your network performance and results. This open, dynamic
approach provides the freedom to customize products, services, features,
and structures so that businesses, banks, and nations can shape their
own payments solutions to:

• Foster business growth

• Facilitate domestic flexibility

• Increase global connectedness

With VisaNet, you have a proven, reliable network solution that showcases
the enhancements and improvements that come from extensive
experience, all with resilient security built in. It is a powerful foundation for
a scalable, tailored payments solution uniquely designed for your situation.

1 4Q17 operational performance data, Visa-processed transactions, includes payments and cash transactions.
VisaNet can process over 65,000 transaction messages
per second,2 settling them down to the penny, rupee,
yen, centavo, or satang.

million miles
of fiber optic lines
trillion total
annual volume2

currencies authorized

countries billion total

million ATMs 4
and territories transactions
each year3

government
consecutive years perfect programs managed
peak season processing

2 Transacted on our payments products for the 12 months ended June 30, 2017.
3 4Q17 operational performance data, branded volume and transactions, includes payments and cash transactions.
4 As reported by client financial institutions and therefore may be subject to change.

THE NETWOR
RK EFFECT: WHY SCALE MATTERS
When it comes to the power of the network, bigger is better, because the larger the nettwork,
the more people, businesses, institutions, and expertisse it can connect you to. And each h of
those connections delivers value. The more connections you have, the more you can do o, the
more you can knoww. This is called the “The Network Effffect,” and it’s a key value VisaNet deelivers.
No matter what size you are, the scope, breadth, and experience of the VisaNet networkk can
help make you more competitive.
VisaNet and You

Products
Thoughtfully tailored based on local market dynamics and individual
country, financial institution, and company needs.

Technology
What historically supported business solutions, today creates new business
opportunities and solutions.

Intelligence
Driven by an exponentially expanding network, fuels predictive analytics which
deliver business insight, fraud prevention, and opportunities for new growth.

Innovation
Payments ecosystem advancements delivered through
leading-edge products, world-class technology, and
visionary payments professionals.
Payment Advancements
Payment innovation was the impetus for VisaNet, and has continued
to drive our over four decades of payments advancements. Current
breakthroughs, like the Visa Token Service, are driving the secure growth
of mobile tap and digital click payments. Other innovations, like Visa
Mobile Location Confirmation, utilize geo-location information from
mobile devices to help reduce unnecessary declines. Partners and
third-party developers will also help to define and expand the scale
of digital commerce through our developer program SDKs and APIs.

Multi-layered Security
Constant vigilance at multiple levels is the key to securing a global
payments system. Cyber security analysis of over 6 billion daily events,
monitoring of 26,000 servers and 35,000 access devices, and extensive
network malware and data loss protection secure the VisaNet network.
At the same time, symmetric and asymmetric encryption protects
data in transit and at rest, and comprehensive security practices
safeguard applications and operating systems. In addition, Visa Advanced
Authorization analyzes usage patterns to identify transactions for financial
institution review or automatic decisioning, while Visa Transaction
Advisor gives merchants real-time identification of higher-risk transactions.

Expanding Access
New technologies and the digitization of commerce allow us to
reach markets and provide services which until just recently were
not even possible. Partnerships with mobile network operators,
Visa Ready mPOS device certifications, and innovative products,
like Visa Checkout and Visa payWave, enable new and more
convenient payments ecosystem access. And Cybersource products,
Visa Extended Access and Merchant Direct Exchange (MDEX), deliver
new connectivity options for businesses.
A CATALYST FOR COMMERCE
In chemistry, a cattalyst is an agent that speeds up reactions. In a similar way, VisaNeet
is a catalyst for eco
onomic growth and developmentt — an agent, a partner that help ps
more business get done.
Business Growth
Connecting companies and industries.
For businesses, electronic payments provide much more than an alternative
to cash and checks. Companies can maximize growth with the power of
VisaNet by using the network to not only streamline and simplify spending,
but actually drive sales through new services, like real-time offers, and
business intelligence gained from analysis of transaction data. And with
the extensive data available as a result of transacting on the network,
companies gain greater spend visibility and business intelligence, which
can enhance decision making, enable spending controls, and improve
customer service.

VisaNet helps facilitate payments from consumers, as well as between

businesses, with greater speed, transparency, and agility. And with ongoing
access to Visa innovations, companies have powerful opportunities to
build competitive advantage:

• Digital payments. The way we pay for things in the physical world
and how we pay for goods in the connected world is changing. The Visa
Digital Enablement Program facilitates fast and easy integration of token
technology, risk and fraud management, and customer data protections
in a simple and scalable framework with global reach.

• White label and hybrid payment programs. By using the VisaNet

network as the foundation for their own branded services, companies
can take advantage of the speed, security, and convenience of the
network while operating under their own network transaction rules,
requirements, and branded look. They also have the flexibility to
implement innovative hybrid-card features, including use of loyalty
points as currency.

• Business and corporate programs. Companies of all sizes can use Visa
payments solutions to help them enable, track, and control employee
business spending, as well as better manage their corporate purchasing
and procurement programs.
Domestic Customization
Balancing productivity and security.
When it comes to economic progress, electronic payments are a necessity.
Putting payments system advances in place stimulates growth and increases
economic activity.

• For individuals, it provides financial empowerment, security, and

flexible access to their funds.

• For businesses, it reduces cash and check handling, improves

the checkout experience, offers enhanced controls, and increases
payment certainty.

• For the government, it enhances transparency, simplifies payment

collection, and can streamline remittances, including everything
from government employee salaries to payments for retirees, the
disabled, and the poor.

In emerging economies, the collective benefit is significant. By migrating

cash flow out of the shadow economy into the financial mainstream,
regulators can monitor it, economists can analyze it, and governments
can count on it.

While building your own network is an option, a specialized payments

infrastructure can be costly, complex, and challenging to maintain, not to
mention difficult to secure. By establishing a national system on VisaNet’s
infrastructure, governments can take advantage of the security, stability,
and ongoing advances of a proven network, while enjoying the flexibility
to customize the final solution. VisaNet offers the best of all worlds — a
technology platform with local control that is open for tailoring to meet
domestic and regional needs.

In a study by Moody’s Analytics, moving to

electronic payments was found to increase
global gross domestic product (GDP) by
$296 billion.5 Consumers enjoy easy, secure
access to their funds. Merchants get a reliable
way to accept payment. And governments
save money in the delivery of services, while
benefiting from an increase in the tax base.
5 Moody’s Analytics. “The Impact of Electronic Payments on Economic Growth.” March 2016.
ENABLING NATIONAL AND REGIONA
AL FLEXIBILITY,
AUTONOMY,, AND CONTROL
VisaNet processing solutions can scale to meet a wide range of localized configuraations.
Domestic transacttions can be authorized, cleared, settled, and reported in local cu urrency,
using a local settleement agent. This flexibility can bee offered on both a national and regional
basis. Currently, neearly half of the countries in Latin America and Asia use VisaNet Nattional
Net Settlement solutions.
ADVANTAGES OF A GLOBALLY SCALABLE SOLUTION
According to research by Euromonitor International,6 connecting to
an open, global trade network has important benefits:
• Improves access to and accelerates innovation
• Expands channel use by enabling cross-border and online commerce
• Can facilitate a wider variety of payment mechanisms, including prepaid, debit,
credit, and commercial
• Improves agility required to meet changing market demands
• Provides the benefit of a wider range of experience and expertise
6 Euromonitor International. “Domestic Schemes: Origins to Aspirations.” May 2013.
Global Connectedness
Extend your reach.
Expand your possibilities.
When you’re ready to connect your payments to the global
economy, there’s no better choice than VisaNet for reach, scale, security,
and experience. Participating brings access to more markets, more
resources, and is a natural evolution. By connecting on a global scale, you
do more than merely open up to global trade. You also enable individuals
who work abroad to conveniently send money back home in a way that
their families can immediately spend. It also makes global ecommerce and
travel abroad more accessible. Everything becomes easier, more efficient,
and more integrated. With VisaNet, you have the advantage of supporting
local customizations at the same time you extend your global opportunities.

Best of all, VisaNet is a proven solution, with established connectivity in

more than 200 countries and territories, and transaction processing in 160
currencies. It delivers the broad reach and customizable capabilities that
have long enabled success.

With synchronized data centers, 10 million miles

of fiber optic cables, and thousands of secure
endpoints around the globe, VisaNet helps you
reach every corner of the world.
More than a payments
network, a catalyst
for growth.
When you choose VisaNet, you choose much more
than a payments network. With its value-added
solutions, efficiencies of scale, and integrated
expertise, VisaNet helps you transform and evolve
commerce, dismantle the barriers to economic
growth, and transcend borders for greater market
advantage. From the network’s layered security to
its ongoing innovations, VisaNet builds confidence
and expands payment options with every swipe,
tap, and checkout click. And with VisaNet’s flexibility,
open APIs, and customizable local platforms, you
can tailor the solution to meet your immediate
realities and your future aspirations.

VisaNet can help you take the concept of an

electronic payments platform to new heights.
It is a scalable solution that can serve as a
catalyst for your whole economy, driving growth,
enabling control, and offering the transparency,
efficiency, and connectedness that can mean
progress for everyone.
Contact your local VisaNet Representative or
visit visa.ccom for more information.

©2016 Visa. All Rights Reserved.