Enable workers, small business clients and consumers access to funds through eligible debit cards

Secure

We make it possible for fast and secure payments to travel across the world.

Scale

Move money in real time³ at a global scale to eligible cards.

Convenience

Deliver an experience to workers with access to funds or earnings between pay periods.

Worker payouts

Provide workers access to their earnings between pay periods⁴

Gig

Gig workers can collect a portion of their wages once jobs are completed.

Earned Wage Access (EWA)

Workers can access their earnings when they need it with Visa Direct.

Freelance

Freelancers and independent contractors can get paid for their work faster than traditional direct deposits, which can take days to arrive.

Multi-Level Marketing

Direct sellers can access their earned income quickly and easily through eligible cards.

Payroll

Employers can offer seamless gig worker payouts.

Small and medium business (SMB) payouts

Empower small businesses by offering them a way to access their funds faster²

Marketplaces

Marketplaces can send payments to their sellers faster than traditional methods.

Merchant settlement

Merchants can collect their card sales revenue when they want instead of waiting for standard settlement periods.

Digital goods

Creators can receive fast payments through their eligible cards for digitally licensed goods and content.

E-commerce platforms

Sellers can access their sales revenue quickly and easily.

Online lending

Loan recipients can access funds in real time³ upon approval.

Consumer payouts

For any business, customers can experience the benefit of fast payouts²

Insurance claims

Insurance companies can help improve customer satisfaction in real time.³

Watch the case study

Gaming and lottery winnings

Betting companies can allow players to cash out their winnings in real time.³

Travel reimbursements

Airlines, railroad, and hospitality companies can issue customer reimbursements quickly and simply.

Education payouts

Educational institutions can issue financial aid and other student disbursements with speed and simplicity.

Consumer refunds

Consumer businesses of many types can issue fast customer refunds with Visa Direct.

Lending

Financial institutions can provide real-time³ access to consumer loans.

Partners offering Visa Direct enabled solutions

We partner with best-in-class solution partners⁶ to help businesses accelerate money movement.

See list of partners
  1. Visa Direct is a network that facilitates funds transfers by Visa’s client financial institutions.
  2. Use cases are for illustrative purposes only. Program providers are responsible for their programs and compliance with any applicable laws and regulations.
  3. Actual fund availability depends on receiving financial institution and region.
  4. Earned Wage Access Preferences Survey (April 2019). Commissioned by Visa and conducted by Ask Your Target Market (AYTM) among 1,000 gig workers and contractors across the United States.
  5. PYMNTS survey of 359 small businesses in the United States, June 2020.
  6. Availability varies by market. Please refer to your Visa representative for more information on availability.