Visa is not a credit card company in the traditional sense; it is a that facilitates the exchange of monetary value between financial institutions, merchants, and consumers. The "Toll Road" Business Model Visa operates as a global "toll road" for commerce.
: For every $100 spent on its network, Visa earns roughly 25 cents in processing fees. visa credit card company
: Visa does not issue cards, extend credit, or set interest rates; these functions are handled by partner banks . Visa is not a credit card company in
: Bank of America spun off the program into a bank-owned cooperative, which was renamed Visa in 1976. Modern Infrastructure & AI or set interest rates
: In 2025, its VisaNet system processed over 257 billion transactions totaling $14.2 trillion. Evolutionary Origins