What is a Visa+ payname?

A Visa+ payname is a unique, personalized, receive-only payment address linked to a user’s participating payment app account. The Visa+ payname follows a standardized format: +username.domain. Users may only have one Visa+ payname per eligible personal account in a participating payment app.

Does Visa+ require a Visa card?

Visa+ does not require users to have a Visa card. It is based on a user’s Visa+ payname credential, which is linked to their participating payment app.

Does Visa+ support POS or merchant payments?

No, Visa+ does not support POS or merchant payments. Visa+ paynames may only be issued to personal (i.e., non-business) user accounts of participating payment apps.

Where is Visa+ available?

Visa+ is currently only available in the domestic US.

Visa+

Why Visa+?

Interoperability

Remove barriers between participating apps and merchants, while empowering users with choice.

Reach

Gain access to millions of new endpoints for both domestic peer-to-peer (P2P) and business-to-consumer (B2C) transactions.

Scale

Seamlessly connect to all participating platforms through a single integration with a trusted network.

A hand is holding a phone screen that displays an example of a Visa+ payname, which is (+amiller.wallet).

What’s a Visa+ payname?

Just one handle. This personalized, receive-only payment address, linked to a user’s payment app, eliminates the need to juggle multiple accounts or share personal contact info.

Payment apps can deepen engagement

Visa+ simplifies personal payments so users can do more without ever leaving their preferred participating payment app.

Convenience

Users can move funds from their participating app of choice rather than setting up multiple accounts.

Privacy

No need to share email addresses or phone numbers. A Visa+ payname is all users need to direct payments.

Real-Time¹ Payouts

Be the destination for users’ real-time¹ payouts from participating gig, marketplace and creator platforms.

A new peer-to-peer approach

With Visa+, users set up one payname in their preferred wallet, and pay or get paid regardless of the participating app their peers use.

Merchants can expand real-time¹ payments

Merchants can deliver real-time¹ payouts to participating payment apps, offering users flexibility to make their wallet apps a primary destination for earnings and other payments.

Convenience

Grant users more flexibility with increased options for how they get paid.

Privacy

There's no need to share sensitive details like emails or phone numbers to get paid — just a Visa+ payname.

Real-Time¹ Payouts

Enable secure, real-time¹ payouts to users’ Visa+-enabled accounts with a single integration.

Illustration of a merchant app that can transfer funds to neobanks and digital wallets.

Integration that pays

By integrating Visa+ into their platform, merchants can send payouts directly to customers’ participating digital wallet, neobank or any other Visa+-enabled account.

Visa+ partners²

Enable users to send and receive funds on other participating apps

Make it easier for payment apps and merchants to offer Visa+

A welcome solution

8/10

Surveyed consumers express interest in consolidating their P2P transfers.³

87 %

Of surveyed consumers agree that the concept of Visa+ is convenient, easy to use and innovative.⁴

83 %

Of surveyed gig workers, creators and freelancers said they’d likely select to receive payment for their work via P2P apps.⁵

Frequently asked questions

: A Visa+ payname is a unique, personalized, receive-only payment address linked to a user’s participating payment app account. The Visa+ payname follows a standardized format: +username.domain. Users may only have one Visa+ payname per eligible personal account in a participating payment app.
: Visa+ does not require users to have a Visa card. It is based on a user’s Visa+ payname credential, which is linked to their participating payment app.
: No, Visa+ does not support POS or merchant payments. Visa+ paynames may only be issued to personal (i.e., non-business) user accounts of participating payment apps.
: Visa+ is currently only available in the domestic US.

Interested in learning more?

Contact your Visa representative to learn how you can offer Visa+.

Actual fund availability depends on financial institution and region.
PayPal, Venmo, DailyPay & Tabapay live as of November 2023. Western Union, Current, Astra, Fiserv & i2C coming soon.
Research was commissioned by Visa Inc. and conducted among 3000 US P2P users aged 16-59 by online survey in June 2023 by Rand Marketing Research.
Research was commissioned by Visa Inc. and conducted among 900 US P2P users aged 18-40 by online survey in July 2021 by Murphy Research.
Research was commissioned by Visa Inc. and conducted among 300 US respondents who identified a gig worker, content creator and/or freelancer by online survey in December 2022 by Global Design Research.

The data fields presented on this page and on the screens in the above video are for illustrative purposes only and should not be relied upon as an accurate representation of the user experience.
The data in the above video are used for illustration only and do not reflect actual Visa data.