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If you have questions about Visa Business, you've come to the right place. See below for answers to commonly asked questions about Visa Business payment products and services.

General FAQ

How do I get a Visa credit card for my small business?

There are a number of Visa payment products created specifically for small business owners, including credit and debit cards. With its purchasing convenience, cost savings, available credit, and detailed reporting, the Visa Business credit card offers what your business needs to stay on top. Apply for a Visa Business credit card.

Is there a Visa Business Debit card?

Yes. You can save time and money with the quick, no-hassle purchasing ability of Visa Business Debit. Added benefits include discounts on business products from preferred partners. Apply for a Visa Business Debit card.

Can I use my personal Visa card for business purchases?

Yes, of course. However, you may find that the benefits associated with a Visa Business card provide you with greater purchasing convenience, available credit, rewards and discounts, and detailed reporting. View Visa Business card benefits.

How do I get a business line of credit?

Visa offers an unsecured line of credit, so it’s as easy to apply for as other Visa Business products. Access your increased capital with your existing Visa Business card, and get cash by check or over the phone. Apply for a Visa Business line of credit.

How do I purchase a Visa Gift card?

Prepaid Visa Gift cards are the ideal choice for rewarding top employees, recognizing loyal customers, or attracting new business. Order Visa Gift cards.

How do I check my Visa Business card account balance?

Your issuer, the financial institution that issued your Visa Business card, maintains your account information. Find contact information for your financial institution on the back of your Visa Business credit or debit card. You can also visit your issuer’s Web site for more information. Find your issuer's Web site.

What financial tools or business resources does Visa offer?

Visa provides information, online services, and tools that can benefit small businesses in managing their finances. These offerings include both cardholder-initiated and automatic bill payment, reporting services, online interactive workshops, and a calendar of relevant events, all of which can be accessed through Visa’s Business Resources.

How do I get reports on my Visa card activity?

Flexible, customizable reporting is readily available from your issuer by enrolling your Visa Business credit and/or debit cards in Visa Information Source Select (VIS Select)*. This user-friendly tool can save you time and help you manage your money. Learn more about VIS Select.

Am I protected against fraud?

All Visa Business cards are protected with Visa’s multiple layers of security, which includes Zero Liability1, Fraud Monitoring, 3-digit security code, Purchase Security and Extended Protection, easy lost/stolen card reporting, and more.

What is Verified by Visa?

Verified by Visa is a password-protection program that improves the security of payment transactions for participating merchants and cardholders in the e-commerce environment over open networks. It is designed to increase confidence in Internet transactions for both participating merchants and cardholders who have activated their cards for this service and created personal passwords, as well as to reduce disputes and fraudulent activity related to the use of Visa payment cards. Learn more about Verified by Visa.

What’s the difference between a “small business” and a “merchant”?

A small business typically has annual sales of up to $25 million. If you own or manage a small business, you are eligible to apply for Visa’s line of small business products and services. Visa offers a comprehensive suite of payment solutions, including credit cards, debit cards, and lines of credit, especially tailored to meet the needs of small businesses. Find a Visa product that’s right for your small business.

A merchant is a business of any size that accepts Visa products as payment. By accepting Visa, merchants provide payment flexibility to their customers and can boost sales volume by participating in Visa’s award-winning promotions. Start accepting Visa today.

Where can I find information about Visa card products for a large business?

If you are interested in obtaining Visa card products for your mid- to large-sized business and have sales of over $25 million annually, visit Visa Corporate Solutions.

* Check with your financial institution for availability.

Gift Card FAQ

What is the Visa Gift card?

The Visa Gift card is a non-reloadable prepaid card that can be used at millions of locations where Visa debit cards are accepted. Because it is a prepaid card, spending is limited to the initial amount of money placed on the card by the purchaser. Each time the card is used, the purchase amount is automatically deducted from the card balance.

To purchase Visa Gift cards in bulk for your business, start with this list of card providers.

How can my business benefit from the Visa Gift card?

The versatile Visa Gift card can be used for employee or customer recognition, holiday gifts, employee motivation, and more. It’s convenient, easy to purchase, and can help reduce administrative costs.

How do customers and employees benefit from the Visa Gift card?

Recipients of the Visa Gift card have the freedom to reward themselves with what they want, when they want—at millions of locations worldwide where Visa debit cards are accepted.

How do I purchase Visa Gift cards in bulk?

You can purchase bulk orders of Visa Gift cards online, by phone, or at a local branch of a participating provider.

To purchase Visa Gift cards in bulk for your business, start with this list of card providers.

Is it possible to put my company’s name and logo on the face of the Visa Gift card?

While the Visa Gift card is intended for generic bulk purchases, customization is available for businesses wishing to offer an incentive program. To see how you can increase employee satisfaction, influence consumer behavior, motivate partners and sales teams, and drive sales while building brand loyalty, start with an overview of the Visa Incentive card.

What happens if the Visa Gift card is lost or stolen?

Visa Gift cards are covered by Visa’s Zero Liability policy1, which protects the cardholder from fraudulent use of a lost or stolen card. Lost or stolen cards will be replaced with no penalty to the cardholder or your company. When the loss is discovered, the cardholder should immediately notify the provider that issued the card, and a replacement card will be issued containing the remaining balance at the time the card was reported missing.

Can the card recipient overspend the available balance on their Visa Gift card?

Many merchants cannot access the balance on the card, so it is important that cardholders know the balance before they shop. If the cardholder tries to purchase something of greater value than that on the card, the transaction will be declined. However, the cardholder may choose to cover the difference with a second payment method. When making the purchase, the cardholder will need to tell the cashier in advance how much to deduct from the Visa Gift card and how much will be covered through the second payment method.

Learn which merchants can provide your Visa Incentive card balance when making a purchase.

Can the Visa Gift card be used outside of the United States?

If your gift card states “Valid only in the United States” on the front, your bank has issued a Domestic Use Only card. This means that your gift card should not be accepted at locations outside of the United States, but is still welcome at millions of locations within the United States where Visa debit cards are accepted.

I have a Visa Gift card. Where can I learn more about using it?

View our Frequently Asked Questions for essential information about the Visa Gift card, or get details on how it works.

Pay Bills with Visa FAQ - Basics & Benefits

What is one-time bill payment?

It’s the opportunity to control when and how much you pay by initiating bill payments when you’re ready. Visit the biller’s website to review your bill before authorizing a Visa transaction.

What is automatic bill payment?

Simply contact your billers once to set up automatic bill payments. Each month, payments will be automatically charged to your card, and you’ll never have to worry about due dates or missed payments again.

What are the benefits?

Paying bills with your Visa card takes the hassle out of bill paying and it posts instantly. It saves you time and eliminates the need to write checks, buy stamps or worry about delays in the mail. Plus, if you have a rewards program linked to your card, you can earn rewards for bills you already pay.

Is there a fee?

Visa does not charge a fee for the convenience of bill payment, and many billers offer this option for free as well. Contact billers directly to determine if they charge a fee.

Is it secure?

With the Visa Zero Liability Policy1, you are not liable for fraudulent transactions or unauthorized use of your Visa Business card both online and offline.

Pay Bills with Visa FAQ - Getting Started

How can I pay my bills with my Visa Business card?

To see if a biller participates, call your biller or check your biller’s website.

Which billers accept my Visa Business card for bill payment?

Many national and local billers and service providers accept Visa for bill payment, including:

  • Phone companies
  • Internet service providers
  • Cable/satellite TV providers
  • Insurance companies
  • Utility companies
  • Newspapers
  • Gyms
  • And more

Which Visa Business cards can I use to pay my bills?

You may choose from any of your Visa Business Debit or credit cards. You may select one Visa Business card to pay some bills, and another to pay a different set of bills.

What information might a biller request?

Each is different, but billers generally ask for the following information:

  • Biller account number
  • Visa Business card number
  • Expiration date
  • Date you want to be charged
  • Amount you authorize to be charged (for one-time bill payment)

Does the biller need to store my Visa Business card information?

Some billers may allow you to use one-time bill pay without storing your card information. Contact your biller directly for further information.

When will my bills get paid?

With both automatic and one-time bill payments, you will be able to select the best date to schedule your payment each month, to ensure that your payments arrive before the due date. If you sign up for automatic bill payment, you should continue to pay your bills directly until your biller informs you that your automatic payment has been established.

Pay Bills with Visa FAQ - After Establishing Bill Payment

What if my bill amount changes?

If you've established one-time bill pay, you will see the new bill amount before you pay. If you sign up for automatic bill pay, your card may be immediately billed for the amount due, or other options may exist. Refer to your biller’s sign-up process or contact them directly.

What if my Visa Business card payment is late?

Your automatic bill payments should occur as scheduled, even if your Visa Business card payment is late. Please refer to your official cardholder agreement or contact your Visa card issuer to verify how new charges are handled on late or delinquent accounts.

How do I stop or discontinue automatic bill payment?

Contact billers directly to cancel or discontinue any scheduled automatic bill payment. Some billers require advance notice to discontinue automatic payments, so allow additional time for any changes to your payment service. You may also contact your Visa card issuer to ensure that automatic payments to your biller are stopped in the future.

What if there is a payment discrepancy or I have other payment questions?

Please contact the biller directly to settle payment discrepancies or for other payment questions.

What if my Visa Business card is updated, lost, or stolen?

Immediately report a lost or stolen Visa card to the bank that issued your card. To avoid service interruption on automatic bill payment, provide billers with your new Visa card information. Remember, with the Visa Zero Liability Policy1, you are not liable for fraudulent transactions or unauthorized use of your Visa card both online and offline.

Will I still receive a paper bill by mail?

Yes, most billers will continue to send you a duplicate of your bill by mail. You do not need to pay the bill twice. If you wish to stop receiving paper bills, contact the billers directly.

Visa Incentive Card FAQ

What are Visa Incentive cards?

Visa Incentive cards are prepaid cards that can be used at millions of locations where Visa debit cards are accepted. They offer an innovative way to reward employees, partners, and distributors, and recognize loyal customers. Because Visa Incentive cards are prepaid, spending is limited to the amount of money placed on the card. Each time the card is used, the purchase amount is automatically deducted from the card balance.

Are Visa Incentive cards different from Visa Gift cards?

Yes. Visa Incentive cards are always funded by a business entity, while Visa Gift cards may be purchased by a consumer. However, some small businesses may use Visa Gift cards to offer incentives to employees. Visa Gift cards are not reloadable, but Visa Incentive cards can be reloadable.

What types of applications do Visa Incentive cards support?

Visa Incentive cards are a versatile way to offer incentives to employees, partners, consumers, and customers. For employee incentives and reward programs, cards can be used for performance recognition, holiday bonus, SPIF, and safety awards. In addition, Visa Incentive cards can be used as trade incentives for distributors, vendors, or third party sales channels, and for consumer rebates and promotions. Promotions can be one-time or recurring, including new product trials, event giveaways, coupons, discounts, contests/sweepstakes, door prizes, corporate gifts, and loyalty award payments.

Can the same card be used for any program, such as a consumer promotion and an employee incentive program?

Yes. Although your business may need to tailor certain aspects of the program, such as cardholder terms and conditions that address specific legal or operational requirements, the same card can be used to support multiple incentive programs.

How can my company benefit from using Visa Incentive cards?

Visa Incentive cards offer your company an efficient, economical, flexible, and easy-to-administer alternative to traditional incentive programs.

How do recipients benefit from Visa Incentive cards?

Visa Incentive cards provide the recipient with shopping flexibility, choice, convenience and immediate, easy use. They work like all other Visa-branded debit cards, so recipients can purchase whatever they want anywhere Visa debit cards are accepted, without the inconvenience of having to cash a check or complete additional steps in the fulfillment process.

Can Visa Incentive cards be distributed outside of the United States?

Although Visa Incentive cards cannot be issued outside the United States, some can be used outside the country. If the card states "Valid only in the United States" on the front, the provider has issued a Domestic Use Only card. Such cards should not be accepted at locations outside of the United States.

Is it possible to put my company's name and logo on the face of Visa Incentive cards?

Many card design customization options are available. Please check with the individual card providers to learn which options are available.

Is it necessary to provide a name for each Visa Incentive card recipient?

Both personalized and non-personalized cards are available. Please check with the individual card providers to determine which option will best fit your program.

What happens if Visa Incentive cards are lost or stolen?

Visa Incentive cards are covered by Visa's Zero Liability policy1, which protects the cardholder from fraudulent use of a lost or stolen card. Lost or stolen cards will be replaced with no penalty to the cardholder or your company. Upon discovering the loss, the cardholder should immediately notify the provider, who will issue a replacement card containing the remaining balance at the time the card was reported missing.

Can the cardholder overspend the available balance on their Visa Incentive card?

Many merchants cannot access the balance on the card, so it is important that cardholders know the balance before they shop. If the cardholder tries to purchase something that exceeds the value on the card, the transaction will be declined. However, the cardholder may choose to cover the difference with a second payment method. When making the purchase, the cardholder will need to tell the cashier in advance how much to deduct from the Visa Incentive card and how much will be covered through the second payment method.

Learn which merchants can provide your Visa Incentive card balance when making a purchase.

How do I implement a program using Visa Incentive cards?

Contact a participating card provider to learn about their specific offerings, including custom programs.

Rebates

How can Visa Incentive cards be used for consumer rebates?

Visa Incentive cards can be used in place of traditional check rebates and offer an effective and innovative way to increase the impact of a promotional reward. Use them to help enhance your business image and build loyalty, while reducing costs associated with distribution.

To get Visa Incentive cards for your business see a list of card providers.

How can my business benefit from using Visa Incentive cards for rebates?

Visa Incentive cards offer your company an economical, flexible, and easy-to-administer alternative to traditional rebate check programs, in addition to building brand awareness each time the card is used. A rebate card program can also create new revenue streams and generate incremental revenue from existing business.

How do recipients benefit from Visa Incentive cards when used for rebates?

Visa Incentive cards provide shopping flexibility, choice, and immediate, easy use. They work like all other Visa-branded debit cards, so consumers can purchase whatever they want anywhere Visa debit cards are accepted, without the inconvenience of having to cash a check or complete additional steps in the fulfillment process.

What are the benefits of personalized and non-personalized cards?

Personalized cards allow the card recipient's name and a custom message to be embossed on the face of the card. Although non-personalized cards have no embossed message or name, they can be issued instantly. The cardholder benefits are the same whether the cards are personalized or not.

Can Visa Incentive cards be distributed outside of the United States?

Although Visa Incentive cards cannot be issued outside the United States, some can be used outside the country. If the card states "Valid only in the United States" on the front, the provider has issued a Domestic Use Only card. Such cards should not be accepted at locations outside of the United States.

What happens if a Visa Incentive card is lost or stolen?

Visa Incentive cards are covered by Visa's Zero Liability policy1, which protects the cardholder from fraudulent use of a lost or stolen card. Lost or stolen cards will be replaced with no penalty to the cardholder or your company. Upon discovering the loss, the cardholder should immediately notify the provider, who will issue a replacement card containing the remaining balance at the time the card was reported missing.

Does Visa conduct research on rebate cards?

Once a year, Visa conducts research on attitudes about the use of rebate cards. To learn more about the research available to Visa partners, please contact your Account Executive.

How do I implement a rebate card program using Visa Incentive cards?

Contact a participating card provider to learn about their specific rebate offerings, including custom programs.

Consumer Promotions

How can Visa Incentive cards be used for consumer promotions?

Visa Incentive cards offer an exciting approach to promoting your brand and marketing message. They are a cost-effective alternative to traditional promotional incentives and an innovative way to increase the impact of a promotional reward. Use them to help enhance your image and build loyalty, while reducing costs associated with distribution. Visa Incentive cards can be used for such promotions as car test drives and loyalty programs.

To get Visa Incentive cards for your business see a list of card providers.

How can my business benefit from using Visa Incentive cards for consumer promotions?

Visa Incentive cards can create new revenue streams and generate incremental revenue from existing business. When used for consumer promotions, Visa Incentive cards offer your company an economical, flexible, and easy-to-administer alternative to traditional promotional incentives, in addition to building brand awareness each time the card is used.

How do recipients benefit from Visa Incentive cards when used for consumer promotions?

Visa Incentive cards provide shopping flexibility, choice, and immediate, easy use. They work like all other Visa-branded debit cards, so consumers can purchase whatever they want anywhere Visa debit cards are accepted, without the inconvenience of having to cash a check or complete additional steps in the fulfillment process.

What are the benefits of personalized and non-personalized cards?

Personalized cards allow the card recipient's name and a custom message to be embossed on the face of the card. Although non-personalized cards have no embossed message or name, they can be issued instantly. The cardholder benefits are the same whether the cards are personalized or not.

Can Visa Incentive cards be distributed outside of the United States?

Although Visa Incentive cards cannot be issued outside the United States, some can be used outside the country. If the card states "Valid only in the United States" on the front, the provider has issued a Domestic Use Only card. Such cards should not be accepted at locations outside of the United States.

What happens if Visa Incentive cards are lost or stolen?

Visa Incentive cards are covered by Visa's Zero Liability policy1, which protects the cardholder from fraudulent use of a lost or stolen card. Lost or stolen cards will be replaced with no penalty to the cardholder or your company. Upon discovering the loss, the cardholder should immediately notify the provider, who will issue a replacement card containing the remaining balance at the time the card was reported missing.

How do I implement a consumer promotion using Visa Incentive cards?

Contact a participating card provider to learn about their specific incentive/promotion offerings, including custom programs.

Employee Rewards

How can Visa Incentive cards be used for employee rewards?

Visa Incentive cards can be used for recognizing and rewarding employee performance and service, individual or team milestones for months without injury or accident, reduced days for illness or injury, and for following or documenting safety procedures. In addition, the card can be used to pay out bonuses and recognize sales performance or sales training completion.

To get Visa Incentive cards for your business see a list of card providers.

How can my business benefit from using Visa Incentive cards for employee rewards?

Visa Incentive cards can help influence and motivate employee behavior. Your business can use them to help achieve specific business goals and objectives, such as improving customer service, driving sales, cross-selling products, and increasing team member satisfaction, commitment, and loyalty.

How do employees benefit from Visa Incentive cards when used for employee rewards?

Visa Incentive cards provide shopping flexibility, choice and immediate, easy use. They work like all other Visa-branded debit cards, so consumers can purchase whatever they want anywhere Visa debit cards are accepted, without the inconvenience of having to cash a check.

What are the benefits of personalized and non-personalized cards?

Personalized cards allow the card recipient's name and a custom message to be embossed on the face of the card. Although non-personalized cards have no embossed message or name, they can be issued instantly. The cardholder benefits are the same whether the cards are personalized or not.

Can Visa Incentive cards be distributed outside of the United States?

Visa Incentive cards used for employee rewards can be issued in the United States and shipped by the issuer to employees of the U.S. customer who are located overseas.

What happens if Visa Incentive cards are lost or stolen?

Visa Incentive cards are covered by Visa's Zero Liability policy1, which protects the cardholder from fraudulent use of a lost or stolen card. Lost or stolen cards will be replaced with no penalty to the cardholder or your company. Upon discovering the loss, the cardholder should immediately notify the provider, who will issue a replacement card containing the remaining balance at the time the card was reported missing.

How do I implement an employee rewards program using Visa Incentive cards?

Contact a participating card provider to learn about their specific employee reward offerings, including custom programs.

Trade Incentives

How can Visa Incentive cards be used for trade incentives?

Visa Incentive cards can be used in place of traditional incentives to motivate distributors or channel partners to sell new and existing products and services for your company.

To get Visa Incentive cards for your business see a list of card providers.

How can my business benefit from using Visa Incentive cards for trade incentives?

Visa Incentive cards can help expand distributor relationships and drive sales by providing an economical, flexible, and easy-to-administer alternative to traditional incentive programs. Visa Incentive cards help create new revenue streams and generate incremental revenue from existing business.

How do recipients benefit from Visa Incentive cards when used for trade incentives?

Visa Incentive cards provide shopping flexibility, choice, and immediate, easy use. They work like all other Visa-branded debit cards, so consumers can purchase whatever they want anywhere Visa debit cards are accepted, without the inconvenience of having to cash a check.

What are the benefits of personalized and non-personalized cards?

Personalized cards allow the card recipient's name and a custom message to be embossed on the face of the card. Although non-personalized cards have no embossed message or name, they can be issued instantly. The cardholder benefits are the same whether the cards are personalized or not.

Can Visa Incentive cards be distributed outside of the United States?

Although Visa Incentive cards cannot be issued outside the United States, some can be used outside the country. If the card states "Valid only in the United States" on the front, the provider has issued a Domestic Use Only card. Such cards should not be accepted at locations outside of the United States.

What happens if Visa Incentive cards are lost or stolen?

Visa Incentive cards are covered by Visa's Zero Liability policy1, which protects the cardholder from fraudulent use of a lost or stolen card. Lost or stolen cards will be replaced with no penalty to the cardholder or your company. Upon discovering the loss, the cardholder should immediately notify the provider, who will issue a replacement card containing the remaining balance at the time the card was reported missing.

How do I implement a trade incentive program using Visa Incentive cards?

Contact a participating card provider to learn about their specific trade incentive offerings, including custom programs.



1 Visa's Zero Liability policy covers U.S.-issued cards only. Does not apply to ATM transactions, certain commercial card transactions, PIN or other transactions not processed by Visa. You must notify your financial institution immediately of any unauthorized use. For specific restrictions, limitations and other details, please consult your issuer. Identity Theft Assistance offers access to a toll-free number.

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