• Help boost customer satisfaction with real-time* payments

Banking customers want easy, on-demand payments

89 %

of surveyed customers are likely to use their debit card for real-time* payments1

88 %

of surveyed customers prefer to transfer funds between their accounts in real time2

83 %

of surveyed mobile users of peer-to-peer (P2P) payments say immediate access to funds is important3

* Actual fund availability depends on receiving financial institution and region.

  • ¹ Digital Disbursements Consumer Preference study of 2,000 US consumers, 2017. Q: Please answer the next question based on this scenario: Imagine businesses would allow you to receive reimbursements/payments to your bank account in minutes by adding your debit card information. Your account information would be completely protected and secure. You would no longer need to receive paper checks in the mail or wait days for a bank direct deposit to clear. Given this option, how likely would you be to choose to receive funds through your debit card?”
  • ² Aite Group and Visa, Inc. survey of 2,199 U.S. consumers Q2-2020
  • ³ 83% of surveyed respondents answered “Somewhat important” or “Very important” to the question “How important is it that fund sent to you via P2P payments (eg.Venmo, PayPal, Square Cash/Cash App, Apple Pay Cash, Google Pay Send, Zelle, etc.) are available in your bank account immediately?” Auriemma Research, Mobile Pay Tracker W1 2020 Report

Visa Direct enables real-time* money movement

Reach people around the world

Help people in countries around the world send and receive money via their debit card.

Deliver better experiences

Let customers easily send money in real time using an eligible debit card.

Simplify operations

Unlock global scale from a single access point using an eligible debit card.

Enable secure payments

Access a trusted card network with robust controls meant to help ensure P2P funds and information are handled securely and appropriately.

* Actual funds availability depends on receiving financial institution and region.

The impact of real-time* payments

Increased cardholder spending

Cardholders that received Visa Direct enabled real-time* payments are more likely to use their card for everyday purchases: 90% of funds received were spent again in outgoing transactions.⁴

Rapid, sustained adoption

The number of cardholders who receive real-time* payments is growing at a rapid rate. Most of these cardholders continue to receive more real-time* payments to their debit cards after the first one.

Engagement with underbanked cardholders

A single real-time* payment can trigger more sustained card usage patterns among low debit users in both increased transactions and increased dollar spend.

* Actual funds availability depends on receiving financial institution and region.

⁴ Debit Impact Analysis study conducted using a test group of approx. 2.5 million debit cardholders that received their 1st OCT in September 2018, from different issuers, spend and tenure levels, and Visa Direct P2P and Funds Disbursement programs. The incremental POS lift was calculated using the differential of the test group vs. a synthetic control group.

Why Visa Direct for retail banks

Elevate consumer banking to the world stage

See how Visa Direct helps enable P2P experiences that can seamlessly integrate with consumer accounts and debit cards, and send funds to billions of endpoints around the world.

Phone with money transfer of 50 euros shown on screen.

Develop competitive P2P products

See how Visa Direct can help banks enhance their P2P user experience and meet consumer expectation for ease and transparency.

Cross-Border capabilities

Move money securely and at scale with combined card and account capabilities that can reach 174 countries cross-border.5

Risk and Compliance

Access a trusted network with robust controls meant to help secure funds and information are handled securely and appropriately.

Learn more about Risk and Compliance

* Actual funds availability depends on receiving financial institution and region.

⁵ Availability varies by market. Please refer to your Visa representative for more information on availability.

Enable money movement between accounts

Send money between accounts in real time*

See how Visa Direct can help enable fast account-to-account transfers using an eligible card.

Boost customer acquisition

87 %

of surveyed consumers consider real-time funding at new account opening to be important2

Improve customer engagement

68 %

of surveyed consumers say real-time transfers would increase account usage2

Reduce customer churn

74 %

of surveyed consumers may consider switching to a bank or brokerage that offers real-time transfers2

* Actual funds availability depends on receiving financial institution and region.

² Aite Group and Visa, Inc. survey of 2,199 U.S. consumers Q2-2020

How Commerce Bank improved customer experience

See how the innovative bank has used Visa Direct to help simplify payouts and meet customer demand with a push-to-card solution.

Read the case study

The Commerce Bank logo, member FDIC.

Find out what Visa Direct payment solutions can do for you and your clients

Find a Visa Direct solution provider