The next generation disbursements platform
¹Actual fund availability varies by financial institution.
Visa requires some issuers to make funds available to its cardholders within a maximum of 30 minutes of approving the transaction.
Drive better business with Visa Direct
while streamlining payment operations.

Customer experience innovation
Create innovative, real-time¹ payment solutions to improve your customer’s experience. As most consumers or small businesses have a debit card readily available, Visa Direct offers more convenient options for reimbursements, refunds, or rebates compared to those which require a current account and bank routing number. Transactions are processed in real-time,¹ with funds available to use within 30 minutes¹ rather than waiting for a deposited cheque or ACH bank transfer to clear.

Enhanced reporting + reconciliation
Visa Direct provides reporting capabilities such as transaction reconciliation data in the API response. APIs provide real-time¹ confirmation of funds received by a recipient's financial institution that helps keep books current. This provides a much faster reconciliation process compared to waiting for consumers to deposit cheques.

Go paperless + streamline operations
Reduce costs associated with processing paper cheques and statements. Streamline operations with reduced customer service calls and back office exception handling. Improve your customer reimbursement, refund or rebate process with a simple, fast and convenient way to pay. Consumers simply enter their eligible debit or prepaid card number directly in their web or mobile form, allowing the business to submit the disbursement transaction. This is significantly less effort compared to the time and cost of issuing a cheque or ACH bank transfer set-up and managing micro-deposit confirmations.
¹Actual fund availability varies by financial institution.
Visa requires some issuers to make funds available to its cardholders within a maximum of 30 minutes of approving the transaction.