Streamline government disbursements with Visa Direct

A modern solution for fast and efficient government disbursements. Visa Direct helps empower agencies to send secure, real-time* payments directly to constituents' bank accounts via their eligible debit card.

Boost efficiency and security in government disbursements

Speed that serves people

Deliver payouts within minutes* — not days

Visa Direct delivers funds directly to constituents' bank accounts within minutes* to help ensure families can cover rent, groceries and childcare without the wait.

Smarter use of public funds

Cut costs, reinvest in what matters

Paper checks cost taxpayers up to $6 each — and reissued checks can cost over $21.¹ Visa Direct helps streamline payment delivery, helping governments save millions that can be redirected toward other priorities.

Security and trust

Visa protection and assurance

Visa Direct uses Visa advanced fraud prevention and security tools — protecting every transaction with over 500 data points and 24/7 monitoring. In 2023 alone, Visa prevented over $40 billion in fraud.²

How it works — understanding the process

Visa Direct helps make sending government payouts fast, secure and seamless. Funds can be delivered directly to a constituent’s bank account via their eligible debit card within minutes.* Here's how the process works:

Step 1

Initiate payment: Government agency initiates a disbursement, whether it's a tax refund, payroll or benefit, through its payment processor or bank partner.

Step 2

Visa Direct routes the payment: Visa Direct securely routes the payment using the recipient’s eligible debit or prepaid card information.

Step 3

Funds delivered in minutes: The payment is deposited directly into the recipient’s bank account within minutes,* providing fast access to funds for groceries, rent, childcare and more.

Step 4

Transaction protected by Visa Security: Every transaction is protected by Visa advanced fraud detection and data security systems² — analyzing hundreds of data points in real time.

“Real-time* electronic payments are, without a doubt, a groundbreaking innovation that has significantly boosted our office’s success and responsiveness.”

— Henry Beck, Treasurer, State of Maine

Modernize your payments with Visa Direct

Deliver fast, secure and cost-effective payments directly to your constituents’ eligible debit cards within minutes.* Whether you're streamlining tax refunds, jury duty stipends or lottery winnings, Visa Direct helps you serve the public with efficiency and trust.

Contact Visa Direct
  • *Actual funds availability depends on U.S. receiving financial institution.
  • **Use cases are for illustrative purposes only. Program providers are responsible for their programs and compliance without any applicable laws and regulations.

  1. The Total Economic Impact™ Of Real-Time Funds Disbursements Vs. Traditional Methods Cost Savings And Business Benefits Enabled By Visa Direct, June 2020
  2. Visa data from October 1, 2022 – September 30, 2023