6
Tools and expertise to grow your business 2018 Visa Debit Product Profile
Visa helps your business succeed Visa is a trusted global brand known for strength, integrity and
industry-leading innovation. We continue to break new
ground with an advanced suite of debit solutions that can be
customized to meet your needs, streamline your processes, and
deliver exceptional value to you and the customers you serve.
Visa is a better way to pay and be paid, enabling consumers
and merchants to do business with confi dence.
Why choose Visa for debit?Visa’s industry leadership is your assurance of capability and quality
at the highest level. Here’s what sets Visa apart:
• The Visa Network – widely accepted around the world
• A commitment to uncovering debit potential and increasing usage
• Powerful tools and marketing resources to support your growth
• Strategic insights, benchmarking and diagnostics to optimize your
performance
• Sophisticated risk and fraud detection techniques to safeguard transactions
More places and more ways to use Visa
We’re expanding and modernizing.
• Over 46 million merchant locations globally1
• The exclusive major payment card network accepted at U.S. Costco locations,
the world’s 2nd largest retailer.2
• Multiple payment solutions: Visa Checkout, Visa Developer, Visa Direct
Visa off ers global scale
Visa Inc. operates one of the
world’s largest retail electronic
payments network3 with
international connections and
impressive payment volume.
Tools and expertise to grow your business
Industry-leading risk solutions
Authentication:
Visa Advanced Authorization (VAA) In-fl ight real-time risk scoring available for every VisaNet transaction
Visa Risk Manager (VRM) Lets fi nancial institutions decline only the highest risk transactions while
optimizing approval rates at point of purchase, resulting in reduced risk exposure and increased usage
Visa Consumer Authentication Service (VCAS) Visa’s hosted 3DS solution
delivers multiple layers of protection against eCommerce fraud
Mobile Location Confi rmation Unique geolocation service enhances
risk scoring
Travel Authorization Tag Incorporates travel data into authorization
Visa ID Intelligence Intelligent risk analytics
Transaction Advisor Lessens fraud on Automated Fuel Dispensers
Compromised Account Management System Identifi es accounts for reissuance
Risk Management:
Threat Intelligence Delivers real time threat information
Visa Claims Resolution Allows issuers to process disputes effi ciently
Consumer Transaction Controls Empowers consumers to limit card usage
Our methods include:
• Identifying fraud before it occurs using predictive analytics
• Tokenizing transaction data so payment data becomes
worthless to criminals
• Verifying cardholder identity before a transaction is made
• Optimizing the customer experience with best-in-class
payment products
Our approach keeps payments
effi cient and secure:
• Optimizing authorization rates
• Minimizing fraud
• Streamlining the payment process
Learn how Vissa can add strrength and ddrive
pperformancee for your debit portfolio. CCall 888-847-22242
and follow the prompts on the menu to be directed to the Sales Department.
VAA increases
the eff ectiveness of
fraud detection by
30-40%1
2018 Visa Debit Product Profi le
1 Visa Internal Analysis; Assuming a 10:1 False Positive Rate
Figures in the column to the right are rounded and are from the latest operational performance data except number of fi nancial institutions and ATMs.
1 Data provided to Visa by acquiring fi nancial institutions and other third parties.
2 National Retail Federation – Top 250 Global Retailers, 2016.
3 Based on payments volume, total volume, number of transactions and number of cards in circulation.
4 Includes payments and cash transactions.
5 As reported by client fi nancial institutions and therefore may be subject to change; includes ATMs in the Visa Europe territory.
USS $100.5T Total Volume4
(as of December 31, 2017)
665,0000Transaction Messages Per Second
(capacity as of August 2017)
3.2BBVisa Cards
(as of September 30, 2017)
116,1000Financial Institution Clients
(as of December 31, 2017)
1169.22B Total Transactions4
(as of December 31, 2017)
UUS $77.6TPayments Volume(as of December 31, 2017)
2.66M AATTMs5
(as of June 30, 2017)
1600 CCurrrenciees(as of December 31, 2016)
Visa’s integrated risk products for the transaction lifecycle
Visa helps your business succeed Visa is a trusted global brand known for strength, integrity and
industry-leading innovation. We continue to break new
ground with an advanced suite of debit solutions that can be
customized to meet your needs, streamline your processes, and
deliver exceptional value to you and the customers you serve.
Visa is a better way to pay and be paid, enabling consumers
and merchants to do business with confi dence.
Why choose Visa for debit?Visa’s industry leadership is your assurance of capability and quality
at the highest level. Here’s what sets Visa apart:
• The Visa Network – widely accepted around the world
• A commitment to uncovering debit potential and increasing usage
• Powerful tools and marketing resources to support your growth
• Strategic insights, benchmarking and diagnostics to optimize your
performance
• Sophisticated risk and fraud detection techniques to safeguard transactions
More places and more ways to use Visa
We’re expanding and modernizing.
• Over 46 million merchant locations globally1
• The exclusive major payment card network accepted at U.S. Costco locations,
the world’s 2nd largest retailer.2
• Multiple payment solutions: Visa Checkout, Visa Developer, Visa Direct
Visa off ers global scale
Visa Inc. operates one of the
world’s largest retail electronic
payments network3 with
international connections and
impressive payment volume.
Tools and expertise to grow your business
Industry-leading risk solutions
Authentication:
Visa Advanced Authorization (VAA) In-fl ight real-time risk scoring available for every VisaNet transaction
Visa Risk Manager (VRM) Lets fi nancial institutions decline only the highest risk transactions while
optimizing approval rates at point of purchase, resulting in reduced risk exposure and increased usage
Visa Consumer Authentication Service (VCAS) Visa’s hosted 3DS solution
delivers multiple layers of protection against eCommerce fraud
Mobile Location Confi rmation Unique geolocation service enhances
risk scoring
Travel Authorization Tag Incorporates travel data into authorization
Visa ID Intelligence Intelligent risk analytics
Transaction Advisor Lessens fraud on Automated Fuel Dispensers
Compromised Account Management System Identifi es accounts for reissuance
Risk Management:
Threat Intelligence Delivers real time threat information
Visa Claims Resolution Allows issuers to process disputes effi ciently
Consumer Transaction Controls Empowers consumers to limit card usage
Our methods include:
• Identifying fraud before it occurs using predictive analytics
• Tokenizing transaction data so payment data becomes
worthless to criminals
• Verifying cardholder identity before a transaction is made
• Optimizing the customer experience with best-in-class
payment products
Our approach keeps payments
effi cient and secure:
• Optimizing authorization rates
• Minimizing fraud
• Streamlining the payment process
Learn how Vissa can add strrength and ddrive
pperformancee for your debit portfolio. CCall 888-847-22242
and follow the prompts on the menu to be directed to the Sales Department.
VAA increases
the eff ectiveness of
fraud detection by
30-40%1
2018 Visa Debit Product Profi le
1 Visa Internal Analysis; Assuming a 10:1 False Positive Rate
Figures in the column to the right are rounded and are from the latest operational performance data except number of fi nancial institutions and ATMs.
1 Data provided to Visa by acquiring fi nancial institutions and other third parties.
2 National Retail Federation – Top 250 Global Retailers, 2016.
3 Based on payments volume, total volume, number of transactions and number of cards in circulation.
4 Includes payments and cash transactions.
5 As reported by client fi nancial institutions and therefore may be subject to change; includes ATMs in the Visa Europe territory.
USS $100.5T Total Volume4
(as of December 31, 2017)
665,0000Transaction Messages Per Second
(capacity as of August 2017)
3.2BBVisa Cards
(as of September 30, 2017)
116,1000Financial Institution Clients
(as of December 31, 2017)
1169.22B Total Transactions4
(as of December 31, 2017)
UUS $77.6TPayments Volume(as of December 31, 2017)
2.66M AATTMs5
(as of June 30, 2017)
1600 CCurrrenciees(as of December 31, 2016)
Visa’s integrated risk products for the transaction lifecycle
The Visa Debit Toolkit also includes:
Potential for added growthVisa Debit represents exceptional revenue potential for you, as debit cards are poised for further growth.
The use of debit has become increasingly important with an impressive sales volume of more than
$2.6 trillion in 2016.1
And there is still room to grow debit spend. With 26% of those who participated in the Visa Payments Panel continuing
to use cash and checks, and 73% of cash transactions falling below $25,2 Visa is now taking aim at well-defi ned targets
for future debit expansion.
The Visa Debit opportunity Optimize your debit portfolio with online supportWhen you partner with Visa, you never go it alone. You have a one-stop online resource to help you grow your
portfolio. Visit Visa Online for a complete toolkit of metrics and support including helpful guides and turnkey,
customizable marketing materials to help you take action.
Consumer Debit Scorecard
Visa’s fl agship metrics tool is unique in the industry. It identifi es potential for penetration, activation, and usage
improvement and lets you benchmark your portfolio against Peers (other issuers of your size) and the Visa System.
That lets you focus your resources where the opportunity is greatest, and move ahead with clarity and confi dence.
Visa has historically been the debit leader.1 We’ve made signifi cant,
strategic investments in innovation, security, and expanded acceptance
to drive future debit growth.
Visa Debit
• Accepted at tens of millions of merchants worldwide
• Purchasing power at point-of-sale and card-not-present
• Flexible and convenient cardholder verifi cation including
signature, no signature, PIN (PAVD), and biometrics
Visa/Plus ATM
• Cash access at 2+ million ATMs worldwide
and 600+ thousand ATMs in U.S.2
• Scalable and interoperable network
Interlink
• Accepted at 2.6 million U.S. merchant locations3
• Purchasing power at point-of-sale via PIN
Visa DPS
• Turnkey and reliable single-source
processing platform
• Debit and prepaid processing
• Fraud and risk services
Round out and enhance your debit portfolio with a full suite of products
1 Nilson Report issue #1119 published October 2017 2 Visa Annual Report 2017 3 Visa Interlink Matching Service (VIMS) Database
In-depth Research Whenever possible we use fi rsthand
customer research data to inform our
debit marketing strategies
Customizable Marketing Collateral
to help increase turnkey, multi-channel
campaigns to increase debit card usage
WebinarsIn-depth content on industry trends,
business opportunities and more
Insight Guidesto help increase the eff ectiveness
of your marketing eff orts
Branch Best Practices to help maximize new
account production
Performance Measurement Calculator
to estimate portfolio revenue potential
Cash to Debit Migration
Migrating cash to debit represents an enormous opportunity for Visa Debit issuers. Approximately $2 trillion in
Purchase PPE was in the form of cash, and 55% of these cash transactions were $15 or less. More possibilities ahead:
Visa is committed to opening up rich, powerful new markets for debit. We’ve pinpointed underpenetrated
verticals including rent, loan repayment, tuition, taxes and more – key markets that represent exciting
new opportunities for debit cards, and for your business. There is $3 trillion of cash and check spend with
the potential to be converted to debit card transactions.
$3 Trillion of untapped potential in new segments3
Loan Payment Rent Government & Tax Assisted Living
Charity Insurance Education
3 Aite How American Pay their Bills 2013-2016; Cardable opportunity: market opportunity excluding bank online bill pay, direct debit from customer DDA, and card payments. Only opportunities greater than $100B were considered
40%
35%
30%
25%
20%
15%
10%
5%
0%
Cash-to-card migration represents a $2T opportunity*
Less $5 - $15 - $25 - $35 - $50 - $75 - $100 - $300 - $500 - $1,500 + than $5 $14 $24 $34 $49 $74 $99 $299 $499 $1,499
Spend
Transactions
73% of transactions are below $25, representing
26% of spend
55% of transactions are below $15, representing
14% of spend
Sources: *Nilson Report / Euromonitor Data, Q1 2017. SEC fi lings, Oxford Economics, Nilson Reports, Analysis by Visa Business and Economics Insights; Cash excludes credit card, offl ine debit card and online debit card cash advances. U.S. Payments Panel Data, data from 3Q-2016 to 2Q-2017 included. Importantly, the $100-$299 band is only showing a spike based on the larger range of the band. It is 8x larger than the range of the previous band of $75-$99.
1 Nilson Report issue #1119 published October 2017 (Excluded Private Label Prepaid & ACH) 2 Visa U.S. Payment Panel, 4 Quarters Ending 2Q 2017
Metrics Peer Group Peer Group Peer Group Peer Group Peer Group Visa System
1 – 20 21 – 50 51 – 100 101 – 250 251 - 400
Power Scores:
Transaction 14.88 13.00 13.96 12.35 11.60 12.80
Sales Volume $529.60 $466.70 $477.01 $435.97 $410.82 $458.18
PAU:
Penetration 81.7% 79.1% 80.4% 76.4% 75.6% 77.6%
Activation 75.0% 78.5% 78.2% 77.7% 79.2% 71.7%
Penetration* Activation 62.1% 60.7% 62.4% 61.6% 61.8% 55.6%
Usage 24.8 21.1 22.1 20.5 19.3 23.0
Portfolio:
Sales Volume $9,148,558,944 $514,826,309 $265,543,219 $125,902,309 $63,236,490 –
Transaction Volume 254,431,587 14,277,412 7,700,079 3,569,598 1,771,667 –
Sales Volume Growth 10.0% 12.7% 13.4% 12.1% 12.7% 9.4%
Transaction Count Growth 7.4% 10.0% 10.5% 8.9% 9.5% 6.7%
Average Ticket Size $35.75 $36.28 $34.69 $35.88 $36.20 $35.78
Accounts & Cards:
# of DDAs 5,698,102 414,568 212,146 144,181 55,639 –
# of Visa Debit Accounts 4,741,058 311,476 165,481 88,011 41,795 –
# of Active Visa Debit Accounts 3,344,336 236,854 125,053 63,146 32,349 –
# of Active Cards 4,125,897 233,757 123,874 60,353 30,016 –
Monthly Average per Active Card:
Sales per Active Card $746.50 $736.65 $725.26 $709.16 $710.83 $757.90
Transaction per Active Card 20.92 20.39 21.01 19.90 19.81 21.18
1111114.4.4.4.4.444 88888888888888 1111113.3.3.33 96969696969696966 1111111.1.1.1.1.1 66060606060601111113.3.3.3.3 0000000000000 1111112.2.2.222 33535353535 1111112.2.2.2.22 88080808080
$$$$$$525252525229.9.9.9.9.99 60606060606060 $$$$$$47474747474744 7.77.7.7.7 010101010101 $$$$$$$41414141414144 0.0.0.0.00 8282828282828$$$$$$464646464646464 6.6.6.6.666 707070707070 $$$$$$4343434343444 5.5.55.5 9797979797997 $$$$$$4545454545444 8.8.8.8.88 18181818188
88888881.1.11.11 7%7%7%7%7%7%7% 88888880.0.0.0.00 4%4%4%4%4%4%4%4 7777775.5.5.5.5.5 6%6%6%6%6%6%6%7777779.9.9.9.9.99 1%1%1%%1%1%% 7777776.6.6.6.6.66 4%4%4%4%4%4%4%4 7777777.7.7.7.7.7 6%6%6%6%6%6%6%
7777775.5.5.5.5.5 0%0%0%0%0%0%0% 7777778.8.8.8.8.88 2%2%2%2%2%2%2% 7777779.9.9.9.9.99 2%2%2%2%2%2%2%7777778.8.8.8.88 5%5%5%5%5%5%% 777777777.7.77.7%7%7%7%7%7%% 77777711.1.1.11 7%7%7%7%7%7%%
66666662.2.2222 1%1%1%1%1%1%% 66666662.2.2.2.22 4%4%4%4%4%4%4%4 66666661.1.1.1.1.1 8%8%8%8%8%8%8%86666660.0.0.0.00 7%7%7%7%7%7%% 6666661.1.1.1.1 6%6%6%6%6%6%6% 5555555.5.5.5.5 6%6%6%6%6%6%6%
22222224.4.4.4.4.444 8 8 8 888 22222222.22.222 11111 1111119.9.9.9.999 333333212121212122 .1.1111 22020202022 .5.5.5.55 22232323232 .0.0.0.00
$$$$$$9,9,9,9,9,9,9141414141414448,8,8,8,8,88 555555555558,8,8,8,8,88 94949494949494944 4 4 4 4444 $$$$$$26262626262665,5,5,5,5,5 545454545454443,3,3,3,3,3 2121212121212 9 9 9 9 999 $$$$$$$63636363636 2,2,2,2,22236363636363636,4,4,4,4,4,44490909090909090$$5$5$5$5$5144141414144,88,8,8,8,88262626262626,3,3,3,3,333090909090909 $1$1$1$1$1$125252525252 ,9,9,9,9,9,9990202020202020 3,3,3,3,333090909090909 –––
222222254545454545444,4,4,4,4,4,4,4431313131313 ,5,5,5,5558787878787887 7,7,7,7,77,707070707070700,0,0,0,0,00 0707070707079 9 9 9999 1,1,1,1,11 7777777777771,1,1,1,1,1 6666666666666667 7 777 7 1111114,4,4,4,4,444 2727272727272 7,7,7,7,774144141414144 2 2 2 222 3,3,3,3,3,3 5656565656569,9,9,9,9,9,9 5959595959988888 –––
1111110.0.0.0.0 0%0%0%0%0%0%0% 1111113.3.3.33 4%4%4%4%4%4%4%4 11111122.2222 7%7%7%7%7%7%7%1111112.22222 7%7%7%7%7%7%% 1111112.22.222 1%1%1%%1%1%% 999999.4.44.4.4.444%%%%%%%
777777.4.4.4.4.4.444% % % % %%% 101010101010.55.5.5.55% % % % %%% 9999999.55.5.5.55% % % % %%%10101010101 .0.0.0.000% % % %%%% 8.8.8.888 9%9%9%%9%9%9% 66.6.6.6.66 7%7%7%7%7%7%%
$$$$$$35353535353 .7.7.7.7.775 5 5 5 55 $$$$$$34343443434344.66.6.6.6669 9 9 9999 $$$$$$363636363636 2.2.2.2.2220 0 0 0 00$$3$3$3$3$336.6.6.666 2828282828228 $$3$3$3$3$35.5.5.5.5 888888888888 $$3$3$3$3$35.5.5.55 7878787878878
555555,6,6,6,6,666989898989898,1,1,1,1,1,102020202022 222222212121212122,1,1,1,1,11464646464646464 5555555,5,5,5,5,5 66363636363639 9 9 999 444444441414414141444,5,5,5,5,555686868686868 111111444444444444444 ,1,1,1,1,181818181818 ––––
44444444,7,7,7,7,7,74141414141444 ,0,0,0,00058585858588 111111665656565656 ,4,4,4,4,4,44481818181818 4414141414144 ,7,7,7,777795959595959593333331111111111,4,4,4,44444767676767676 88888888,8,8,8,8,88 010101010111111 –––
333333,3,3,3,3,3334444444444444444,3,3,3,3,3,3363636363636 11111125252525252 ,0,0,0,0,0,05353535353 332323232322,3,3,3,3,33349449494949494222222236366363636,8,8,8,8,88545444545444 66666663,3,3,3,3 14141441414446 6 6 6 66 –––
44444444,1,1,1,1,1125252525252 ,8,8,8,8,888979797979977 11111123232323232 ,8,8,8,8,8,8874747474744474 3303030303030,0,0,0,0,00161616161662222222333333333,7,7,7,7,7757575757577 66666660,0,0,0,00 3353535353 3 33 –––
$$$$$$747474747444746.6.6.6.6.66 50505050505050 $$$$$$727272727227 5.5.5.55 22626262626266 $$$$$$7171717171710.0.0.0.0.0 8383838383838 $$$$$$737373737336.6.6.6.66 665656565656 $$$$$$70707070709.9.9.9.9916161616166 $7$7$7$7$7$75757575757.9.9.9.99990000000
22222220.00.000 929292929292 22222221.1.1.1.1 0101010101 1111119.9.9.9.9.9 8181818181822222220.0.000 393939393939 1111119.9.9.9.99 90909090909090 22222221.11.111181818188
FOR
ILLUSTRATIVE
PURPOSES ONLY
The Visa Debit Toolkit also includes:
Potential for added growthVisa Debit represents exceptional revenue potential for you, as debit cards are poised for further growth.
The use of debit has become increasingly important with an impressive sales volume of more than
$2.6 trillion in 2016.1
And there is still room to grow debit spend. With 26% of those who participated in the Visa Payments Panel continuing
to use cash and checks, and 73% of cash transactions falling below $25,2 Visa is now taking aim at well-defi ned targets
for future debit expansion.
The Visa Debit opportunity Optimize your debit portfolio with online supportWhen you partner with Visa, you never go it alone. You have a one-stop online resource to help you grow your
portfolio. Visit Visa Online for a complete toolkit of metrics and support including helpful guides and turnkey,
customizable marketing materials to help you take action.
Consumer Debit Scorecard
Visa’s fl agship metrics tool is unique in the industry. It identifi es potential for penetration, activation, and usage
improvement and lets you benchmark your portfolio against Peers (other issuers of your size) and the Visa System.
That lets you focus your resources where the opportunity is greatest, and move ahead with clarity and confi dence.
Visa has historically been the debit leader.1 We’ve made signifi cant,
strategic investments in innovation, security, and expanded acceptance
to drive future debit growth.
Visa Debit
• Accepted at tens of millions of merchants worldwide
• Purchasing power at point-of-sale and card-not-present
• Flexible and convenient cardholder verifi cation including
signature, no signature, PIN (PAVD), and biometrics
Visa/Plus ATM
• Cash access at 2+ million ATMs worldwide
and 600+ thousand ATMs in U.S.2
• Scalable and interoperable network
Interlink
• Accepted at 2.6 million U.S. merchant locations3
• Purchasing power at point-of-sale via PIN
Visa DPS
• Turnkey and reliable single-source
processing platform
• Debit and prepaid processing
• Fraud and risk services
Round out and enhance your debit portfolio with a full suite of products
1 Nilson Report issue #1119 published October 2017 2 Visa Annual Report 2017 3 Visa Interlink Matching Service (VIMS) Database
In-depth Research Whenever possible we use fi rsthand
customer research data to inform our
debit marketing strategies
Customizable Marketing Collateral
to help increase turnkey, multi-channel
campaigns to increase debit card usage
WebinarsIn-depth content on industry trends,
business opportunities and more
Insight Guidesto help increase the eff ectiveness
of your marketing eff orts
Branch Best Practices to help maximize new
account production
Performance Measurement Calculator
to estimate portfolio revenue potential
Cash to Debit Migration
Migrating cash to debit represents an enormous opportunity for Visa Debit issuers. Approximately $2 trillion in
Purchase PPE was in the form of cash, and 55% of these cash transactions were $15 or less. More possibilities ahead:
Visa is committed to opening up rich, powerful new markets for debit. We’ve pinpointed underpenetrated
verticals including rent, loan repayment, tuition, taxes and more – key markets that represent exciting
new opportunities for debit cards, and for your business. There is $3 trillion of cash and check spend with
the potential to be converted to debit card transactions.
$3 Trillion of untapped potential in new segments3
Loan Payment Rent Government & Tax Assisted Living
Charity Insurance Education
3 Aite How American Pay their Bills 2013-2016; Cardable opportunity: market opportunity excluding bank online bill pay, direct debit from customer DDA, and card payments. Only opportunities greater than $100B were considered
40%
35%
30%
25%
20%
15%
10%
5%
0%
Cash-to-card migration represents a $2T opportunity*
Less $5 - $15 - $25 - $35 - $50 - $75 - $100 - $300 - $500 - $1,500 + than $5 $14 $24 $34 $49 $74 $99 $299 $499 $1,499
Spend
Transactions
73% of transactions are below $25, representing
26% of spend
55% of transactions are below $15, representing
14% of spend
Sources: *Nilson Report / Euromonitor Data, Q1 2017. SEC fi lings, Oxford Economics, Nilson Reports, Analysis by Visa Business and Economics Insights; Cash excludes credit card, offl ine debit card and online debit card cash advances. U.S. Payments Panel Data, data from 3Q-2016 to 2Q-2017 included. Importantly, the $100-$299 band is only showing a spike based on the larger range of the band. It is 8x larger than the range of the previous band of $75-$99.
1 Nilson Report issue #1119 published October 2017 (Excluded Private Label Prepaid & ACH) 2 Visa U.S. Payment Panel, 4 Quarters Ending 2Q 2017
Metrics Peer Group Peer Group Peer Group Peer Group Peer Group Visa System
1 – 20 21 – 50 51 – 100 101 – 250 251 - 400
Power Scores:
Transaction 14.88 13.00 13.96 12.35 11.60 12.80
Sales Volume $529.60 $466.70 $477.01 $435.97 $410.82 $458.18
PAU:
Penetration 81.7% 79.1% 80.4% 76.4% 75.6% 77.6%
Activation 75.0% 78.5% 78.2% 77.7% 79.2% 71.7%
Penetration* Activation 62.1% 60.7% 62.4% 61.6% 61.8% 55.6%
Usage 24.8 21.1 22.1 20.5 19.3 23.0
Portfolio:
Sales Volume $9,148,558,944 $514,826,309 $265,543,219 $125,902,309 $63,236,490 –
Transaction Volume 254,431,587 14,277,412 7,700,079 3,569,598 1,771,667 –
Sales Volume Growth 10.0% 12.7% 13.4% 12.1% 12.7% 9.4%
Transaction Count Growth 7.4% 10.0% 10.5% 8.9% 9.5% 6.7%
Average Ticket Size $35.75 $36.28 $34.69 $35.88 $36.20 $35.78
Accounts & Cards:
# of DDAs 5,698,102 414,568 212,146 144,181 55,639 –
# of Visa Debit Accounts 4,741,058 311,476 165,481 88,011 41,795 –
# of Active Visa Debit Accounts 3,344,336 236,854 125,053 63,146 32,349 –
# of Active Cards 4,125,897 233,757 123,874 60,353 30,016 –
Monthly Average per Active Card:
Sales per Active Card $746.50 $736.65 $725.26 $709.16 $710.83 $757.90
Transaction per Active Card 20.92 20.39 21.01 19.90 19.81 21.18
1111114.4.4.4.4.444 88888888888888 1111113.3.3.33 96969696969696966 1111111.1.1.1.1.1 66060606060601111113.3.3.3.3 0000000000000 1111112.2.2.222 33535353535 1111112.2.2.2.22 88080808080
$$$$$$525252525229.9.9.9.9.99 60606060606060 $$$$$$47474747474744 7.77.7.7.7 010101010101 $$$$$$$41414141414144 0.0.0.0.00 8282828282828$$$$$$464646464646464 6.6.6.6.666 707070707070 $$$$$$4343434343444 5.5.55.5 9797979797997 $$$$$$4545454545444 8.8.8.8.88 18181818188
88888881.1.11.11 7%7%7%7%7%7%7% 88888880.0.0.0.00 4%4%4%4%4%4%4%4 7777775.5.5.5.5.5 6%6%6%6%6%6%6%7777779.9.9.9.9.99 1%1%1%%1%1%% 7777776.6.6.6.6.66 4%4%4%4%4%4%4%4 7777777.7.7.7.7.7 6%6%6%6%6%6%6%
7777775.5.5.5.5.5 0%0%0%0%0%0%0% 7777778.8.8.8.8.88 2%2%2%2%2%2%2% 7777779.9.9.9.9.99 2%2%2%2%2%2%2%7777778.8.8.8.88 5%5%5%5%5%5%% 777777777.7.77.7%7%7%7%7%7%% 77777711.1.1.11 7%7%7%7%7%7%%
66666662.2.2222 1%1%1%1%1%1%% 66666662.2.2.2.22 4%4%4%4%4%4%4%4 66666661.1.1.1.1.1 8%8%8%8%8%8%8%86666660.0.0.0.00 7%7%7%7%7%7%% 6666661.1.1.1.1 6%6%6%6%6%6%6% 5555555.5.5.5.5 6%6%6%6%6%6%6%
22222224.4.4.4.4.444 8 8 8 888 22222222.22.222 11111 1111119.9.9.9.999 333333212121212122 .1.1111 22020202022 .5.5.5.55 22232323232 .0.0.0.00
$$$$$$9,9,9,9,9,9,9141414141414448,8,8,8,8,88 555555555558,8,8,8,8,88 94949494949494944 4 4 4 4444 $$$$$$26262626262665,5,5,5,5,5 545454545454443,3,3,3,3,3 2121212121212 9 9 9 9 999 $$$$$$$63636363636 2,2,2,2,22236363636363636,4,4,4,4,4,44490909090909090$$5$5$5$5$5144141414144,88,8,8,8,88262626262626,3,3,3,3,333090909090909 $1$1$1$1$1$125252525252 ,9,9,9,9,9,9990202020202020 3,3,3,3,333090909090909 –––
222222254545454545444,4,4,4,4,4,4,4431313131313 ,5,5,5,5558787878787887 7,7,7,7,77,707070707070700,0,0,0,0,00 0707070707079 9 9 9999 1,1,1,1,11 7777777777771,1,1,1,1,1 6666666666666667 7 777 7 1111114,4,4,4,4,444 2727272727272 7,7,7,7,774144141414144 2 2 2 222 3,3,3,3,3,3 5656565656569,9,9,9,9,9,9 5959595959988888 –––
1111110.0.0.0.0 0%0%0%0%0%0%0% 1111113.3.3.33 4%4%4%4%4%4%4%4 11111122.2222 7%7%7%7%7%7%7%1111112.22222 7%7%7%7%7%7%% 1111112.22.222 1%1%1%%1%1%% 999999.4.44.4.4.444%%%%%%%
777777.4.4.4.4.4.444% % % % %%% 101010101010.55.5.5.55% % % % %%% 9999999.55.5.5.55% % % % %%%10101010101 .0.0.0.000% % % %%%% 8.8.8.888 9%9%9%%9%9%9% 66.6.6.6.66 7%7%7%7%7%7%%
$$$$$$35353535353 .7.7.7.7.775 5 5 5 55 $$$$$$34343443434344.66.6.6.6669 9 9 9999 $$$$$$363636363636 2.2.2.2.2220 0 0 0 00$$3$3$3$3$336.6.6.666 2828282828228 $$3$3$3$3$35.5.5.5.5 888888888888 $$3$3$3$3$35.5.5.55 7878787878878
555555,6,6,6,6,666989898989898,1,1,1,1,1,102020202022 222222212121212122,1,1,1,1,11464646464646464 5555555,5,5,5,5,5 66363636363639 9 9 999 444444441414414141444,5,5,5,5,555686868686868 111111444444444444444 ,1,1,1,1,181818181818 ––––
44444444,7,7,7,7,7,74141414141444 ,0,0,0,00058585858588 111111665656565656 ,4,4,4,4,4,44481818181818 4414141414144 ,7,7,7,777795959595959593333331111111111,4,4,4,44444767676767676 88888888,8,8,8,8,88 010101010111111 –––
333333,3,3,3,3,3334444444444444444,3,3,3,3,3,3363636363636 11111125252525252 ,0,0,0,0,0,05353535353 332323232322,3,3,3,3,33349449494949494222222236366363636,8,8,8,8,88545444545444 66666663,3,3,3,3 14141441414446 6 6 6 66 –––
44444444,1,1,1,1,1125252525252 ,8,8,8,8,888979797979977 11111123232323232 ,8,8,8,8,8,8874747474744474 3303030303030,0,0,0,0,00161616161662222222333333333,7,7,7,7,7757575757577 66666660,0,0,0,00 3353535353 3 33 –––
$$$$$$747474747444746.6.6.6.6.66 50505050505050 $$$$$$727272727227 5.5.5.55 22626262626266 $$$$$$7171717171710.0.0.0.0.0 8383838383838 $$$$$$737373737336.6.6.6.66 665656565656 $$$$$$70707070709.9.9.9.9916161616166 $7$7$7$7$7$75757575757.9.9.9.99990000000
22222220.00.000 929292929292 22222221.1.1.1.1 0101010101 1111119.9.9.9.9.9 8181818181822222220.0.000 393939393939 1111119.9.9.9.99 90909090909090 22222221.11.111181818188
FOR
ILLUSTRATIVE
PURPOSES ONLY
The Visa Debit Toolkit also includes:
Potential for added growthVisa Debit represents exceptional revenue potential for you, as debit cards are poised for further growth.
The use of debit has become increasingly important with an impressive sales volume of more than
$2.6 trillion in 2016.1
And there is still room to grow debit spend. With 26% of those who participated in the Visa Payments Panel continuing
to use cash and checks, and 73% of cash transactions falling below $25,2 Visa is now taking aim at well-defi ned targets
for future debit expansion.
The Visa Debit opportunity Optimize your debit portfolio with online supportWhen you partner with Visa, you never go it alone. You have a one-stop online resource to help you grow your
portfolio. Visit Visa Online for a complete toolkit of metrics and support including helpful guides and turnkey,
customizable marketing materials to help you take action.
Consumer Debit Scorecard
Visa’s fl agship metrics tool is unique in the industry. It identifi es potential for penetration, activation, and usage
improvement and lets you benchmark your portfolio against Peers (other issuers of your size) and the Visa System.
That lets you focus your resources where the opportunity is greatest, and move ahead with clarity and confi dence.
Visa has historically been the debit leader.1 We’ve made signifi cant,
strategic investments in innovation, security, and expanded acceptance
to drive future debit growth.
Visa Debit
• Accepted at tens of millions of merchants worldwide
• Purchasing power at point-of-sale and card-not-present
• Flexible and convenient cardholder verifi cation including
signature, no signature, PIN (PAVD), and biometrics
Visa/Plus ATM
• Cash access at 2+ million ATMs worldwide
and 600+ thousand ATMs in U.S.2
• Scalable and interoperable network
Interlink
• Accepted at 2.6 million U.S. merchant locations3
• Purchasing power at point-of-sale via PIN
Visa DPS
• Turnkey and reliable single-source
processing platform
• Debit and prepaid processing
• Fraud and risk services
Round out and enhance your debit portfolio with a full suite of products
1 Nilson Report issue #1119 published October 2017 2 Visa Annual Report 2017 3 Visa Interlink Matching Service (VIMS) Database
In-depth Research Whenever possible we use fi rsthand
customer research data to inform our
debit marketing strategies
Customizable Marketing Collateral
to help increase turnkey, multi-channel
campaigns to increase debit card usage
WebinarsIn-depth content on industry trends,
business opportunities and more
Insight Guidesto help increase the eff ectiveness
of your marketing eff orts
Branch Best Practices to help maximize new
account production
Performance Measurement Calculator
to estimate portfolio revenue potential
Cash to Debit Migration
Migrating cash to debit represents an enormous opportunity for Visa Debit issuers. Approximately $2 trillion in
Purchase PPE was in the form of cash, and 55% of these cash transactions were $15 or less. More possibilities ahead:
Visa is committed to opening up rich, powerful new markets for debit. We’ve pinpointed underpenetrated
verticals including rent, loan repayment, tuition, taxes and more – key markets that represent exciting
new opportunities for debit cards, and for your business. There is $3 trillion of cash and check spend with
the potential to be converted to debit card transactions.
$3 Trillion of untapped potential in new segments3
Loan Payment Rent Government & Tax Assisted Living
Charity Insurance Education
3 Aite How American Pay their Bills 2013-2016; Cardable opportunity: market opportunity excluding bank online bill pay, direct debit from customer DDA, and card payments. Only opportunities greater than $100B were considered
40%
35%
30%
25%
20%
15%
10%
5%
0%
Cash-to-card migration represents a $2T opportunity*
Less $5 - $15 - $25 - $35 - $50 - $75 - $100 - $300 - $500 - $1,500 + than $5 $14 $24 $34 $49 $74 $99 $299 $499 $1,499
Spend
Transactions
73% of transactions are below $25, representing
26% of spend
55% of transactions are below $15, representing
14% of spend
Sources: *Nilson Report / Euromonitor Data, Q1 2017. SEC fi lings, Oxford Economics, Nilson Reports, Analysis by Visa Business and Economics Insights; Cash excludes credit card, offl ine debit card and online debit card cash advances. U.S. Payments Panel Data, data from 3Q-2016 to 2Q-2017 included. Importantly, the $100-$299 band is only showing a spike based on the larger range of the band. It is 8x larger than the range of the previous band of $75-$99.
1 Nilson Report issue #1119 published October 2017 (Excluded Private Label Prepaid & ACH) 2 Visa U.S. Payment Panel, 4 Quarters Ending 2Q 2017
Metrics Peer Group Peer Group Peer Group Peer Group Peer Group Visa System
1 – 20 21 – 50 51 – 100 101 – 250 251 - 400
Power Scores:
Transaction 14.88 13.00 13.96 12.35 11.60 12.80
Sales Volume $529.60 $466.70 $477.01 $435.97 $410.82 $458.18
PAU:
Penetration 81.7% 79.1% 80.4% 76.4% 75.6% 77.6%
Activation 75.0% 78.5% 78.2% 77.7% 79.2% 71.7%
Penetration* Activation 62.1% 60.7% 62.4% 61.6% 61.8% 55.6%
Usage 24.8 21.1 22.1 20.5 19.3 23.0
Portfolio:
Sales Volume $9,148,558,944 $514,826,309 $265,543,219 $125,902,309 $63,236,490 –
Transaction Volume 254,431,587 14,277,412 7,700,079 3,569,598 1,771,667 –
Sales Volume Growth 10.0% 12.7% 13.4% 12.1% 12.7% 9.4%
Transaction Count Growth 7.4% 10.0% 10.5% 8.9% 9.5% 6.7%
Average Ticket Size $35.75 $36.28 $34.69 $35.88 $36.20 $35.78
Accounts & Cards:
# of DDAs 5,698,102 414,568 212,146 144,181 55,639 –
# of Visa Debit Accounts 4,741,058 311,476 165,481 88,011 41,795 –
# of Active Visa Debit Accounts 3,344,336 236,854 125,053 63,146 32,349 –
# of Active Cards 4,125,897 233,757 123,874 60,353 30,016 –
Monthly Average per Active Card:
Sales per Active Card $746.50 $736.65 $725.26 $709.16 $710.83 $757.90
Transaction per Active Card 20.92 20.39 21.01 19.90 19.81 21.18
1111114.4.4.4.4.444 88888888888888 1111113.3.3.33 96969696969696966 1111111.1.1.1.1.1 66060606060601111113.3.3.3.3 0000000000000 1111112.2.2.222 33535353535 1111112.2.2.2.22 88080808080
$$$$$$525252525229.9.9.9.9.99 60606060606060 $$$$$$47474747474744 7.77.7.7.7 010101010101 $$$$$$$41414141414144 0.0.0.0.00 8282828282828$$$$$$464646464646464 6.6.6.6.666 707070707070 $$$$$$4343434343444 5.5.55.5 9797979797997 $$$$$$4545454545444 8.8.8.8.88 18181818188
88888881.1.11.11 7%7%7%7%7%7%7% 88888880.0.0.0.00 4%4%4%4%4%4%4%4 7777775.5.5.5.5.5 6%6%6%6%6%6%6%7777779.9.9.9.9.99 1%1%1%%1%1%% 7777776.6.6.6.6.66 4%4%4%4%4%4%4%4 7777777.7.7.7.7.7 6%6%6%6%6%6%6%
7777775.5.5.5.5.5 0%0%0%0%0%0%0% 7777778.8.8.8.8.88 2%2%2%2%2%2%2% 7777779.9.9.9.9.99 2%2%2%2%2%2%2%7777778.8.8.8.88 5%5%5%5%5%5%% 777777777.7.77.7%7%7%7%7%7%% 77777711.1.1.11 7%7%7%7%7%7%%
66666662.2.2222 1%1%1%1%1%1%% 66666662.2.2.2.22 4%4%4%4%4%4%4%4 66666661.1.1.1.1.1 8%8%8%8%8%8%8%86666660.0.0.0.00 7%7%7%7%7%7%% 6666661.1.1.1.1 6%6%6%6%6%6%6% 5555555.5.5.5.5 6%6%6%6%6%6%6%
22222224.4.4.4.4.444 8 8 8 888 22222222.22.222 11111 1111119.9.9.9.999 333333212121212122 .1.1111 22020202022 .5.5.5.55 22232323232 .0.0.0.00
$$$$$$9,9,9,9,9,9,9141414141414448,8,8,8,8,88 555555555558,8,8,8,8,88 94949494949494944 4 4 4 4444 $$$$$$26262626262665,5,5,5,5,5 545454545454443,3,3,3,3,3 2121212121212 9 9 9 9 999 $$$$$$$63636363636 2,2,2,2,22236363636363636,4,4,4,4,4,44490909090909090$$5$5$5$5$5144141414144,88,8,8,8,88262626262626,3,3,3,3,333090909090909 $1$1$1$1$1$125252525252 ,9,9,9,9,9,9990202020202020 3,3,3,3,333090909090909 –––
222222254545454545444,4,4,4,4,4,4,4431313131313 ,5,5,5,5558787878787887 7,7,7,7,77,707070707070700,0,0,0,0,00 0707070707079 9 9 9999 1,1,1,1,11 7777777777771,1,1,1,1,1 6666666666666667 7 777 7 1111114,4,4,4,4,444 2727272727272 7,7,7,7,774144141414144 2 2 2 222 3,3,3,3,3,3 5656565656569,9,9,9,9,9,9 5959595959988888 –––
1111110.0.0.0.0 0%0%0%0%0%0%0% 1111113.3.3.33 4%4%4%4%4%4%4%4 11111122.2222 7%7%7%7%7%7%7%1111112.22222 7%7%7%7%7%7%% 1111112.22.222 1%1%1%%1%1%% 999999.4.44.4.4.444%%%%%%%
777777.4.4.4.4.4.444% % % % %%% 101010101010.55.5.5.55% % % % %%% 9999999.55.5.5.55% % % % %%%10101010101 .0.0.0.000% % % %%%% 8.8.8.888 9%9%9%%9%9%9% 66.6.6.6.66 7%7%7%7%7%7%%
$$$$$$35353535353 .7.7.7.7.775 5 5 5 55 $$$$$$34343443434344.66.6.6.6669 9 9 9999 $$$$$$363636363636 2.2.2.2.2220 0 0 0 00$$3$3$3$3$336.6.6.666 2828282828228 $$3$3$3$3$35.5.5.5.5 888888888888 $$3$3$3$3$35.5.5.55 7878787878878
555555,6,6,6,6,666989898989898,1,1,1,1,1,102020202022 222222212121212122,1,1,1,1,11464646464646464 5555555,5,5,5,5,5 66363636363639 9 9 999 444444441414414141444,5,5,5,5,555686868686868 111111444444444444444 ,1,1,1,1,181818181818 ––––
44444444,7,7,7,7,7,74141414141444 ,0,0,0,00058585858588 111111665656565656 ,4,4,4,4,4,44481818181818 4414141414144 ,7,7,7,777795959595959593333331111111111,4,4,4,44444767676767676 88888888,8,8,8,8,88 010101010111111 –––
333333,3,3,3,3,3334444444444444444,3,3,3,3,3,3363636363636 11111125252525252 ,0,0,0,0,0,05353535353 332323232322,3,3,3,3,33349449494949494222222236366363636,8,8,8,8,88545444545444 66666663,3,3,3,3 14141441414446 6 6 6 66 –––
44444444,1,1,1,1,1125252525252 ,8,8,8,8,888979797979977 11111123232323232 ,8,8,8,8,8,8874747474744474 3303030303030,0,0,0,0,00161616161662222222333333333,7,7,7,7,7757575757577 66666660,0,0,0,00 3353535353 3 33 –––
$$$$$$747474747444746.6.6.6.6.66 50505050505050 $$$$$$727272727227 5.5.5.55 22626262626266 $$$$$$7171717171710.0.0.0.0.0 8383838383838 $$$$$$737373737336.6.6.6.66 665656565656 $$$$$$70707070709.9.9.9.9916161616166 $7$7$7$7$7$75757575757.9.9.9.99990000000
22222220.00.000 929292929292 22222221.1.1.1.1 0101010101 1111119.9.9.9.9.9 8181818181822222220.0.000 393939393939 1111119.9.9.9.99 90909090909090 22222221.11.111181818188
FOR
ILLUSTRATIVE
PURPOSES ONLY
Visa helps your business succeed Visa is a trusted global brand known for strength, integrity and
industry-leading innovation. We continue to break new
ground with an advanced suite of debit solutions that can be
customized to meet your needs, streamline your processes, and
deliver exceptional value to you and the customers you serve.
Visa is a better way to pay and be paid, enabling consumers
and merchants to do business with confi dence.
Why choose Visa for debit?Visa’s industry leadership is your assurance of capability and quality
at the highest level. Here’s what sets Visa apart:
• The Visa Network – widely accepted around the world
• A commitment to uncovering debit potential and increasing usage
• Powerful tools and marketing resources to support your growth
• Strategic insights, benchmarking and diagnostics to optimize your
performance
• Sophisticated risk and fraud detection techniques to safeguard transactions
More places and more ways to use Visa
We’re expanding and modernizing.
• Over 46 million merchant locations globally1
• The exclusive major payment card network accepted at U.S. Costco locations,
the world’s 2nd largest retailer.2
• Multiple payment solutions: Visa Checkout, Visa Developer, Visa Direct
Visa off ers global scale
Visa Inc. operates one of the
world’s largest retail electronic
payments network3 with
international connections and
impressive payment volume.
Tools and expertise to grow your business
Industry-leading risk solutions
Authentication:
Visa Advanced Authorization (VAA) In-fl ight real-time risk scoring available for every VisaNet transaction
Visa Risk Manager (VRM) Lets fi nancial institutions decline only the highest risk transactions while
optimizing approval rates at point of purchase, resulting in reduced risk exposure and increased usage
Visa Consumer Authentication Service (VCAS) Visa’s hosted 3DS solution
delivers multiple layers of protection against eCommerce fraud
Mobile Location Confi rmation Unique geolocation service enhances
risk scoring
Travel Authorization Tag Incorporates travel data into authorization
Visa ID Intelligence Intelligent risk analytics
Transaction Advisor Lessens fraud on Automated Fuel Dispensers
Compromised Account Management System Identifi es accounts for reissuance
Risk Management:
Threat Intelligence Delivers real time threat information
Visa Claims Resolution Allows issuers to process disputes effi ciently
Consumer Transaction Controls Empowers consumers to limit card usage
Our methods include:
• Identifying fraud before it occurs using predictive analytics
• Tokenizing transaction data so payment data becomes
worthless to criminals
• Verifying cardholder identity before a transaction is made
• Optimizing the customer experience with best-in-class
payment products
Our approach keeps payments
effi cient and secure:
• Optimizing authorization rates
• Minimizing fraud
• Streamlining the payment process
Learn how Vissa can add strrength and ddrive
pperformancee for your debit portfolio. CCall 888-847-22242
and follow the prompts on the menu to be directed to the Sales Department.
VAA increases
the eff ectiveness of
fraud detection by
30-40%1
2018 Visa Debit Product Profi le
1 Visa Internal Analysis; Assuming a 10:1 False Positive Rate
Figures in the column to the right are rounded and are from the latest operational performance data except number of fi nancial institutions and ATMs.
1 Data provided to Visa by acquiring fi nancial institutions and other third parties.
2 National Retail Federation – Top 250 Global Retailers, 2016.
3 Based on payments volume, total volume, number of transactions and number of cards in circulation.
4 Includes payments and cash transactions.
5 As reported by client fi nancial institutions and therefore may be subject to change; includes ATMs in the Visa Europe territory.
USS $100.5T Total Volume4
(as of December 31, 2017)
665,0000Transaction Messages Per Second
(capacity as of August 2017)
3.2BBVisa Cards
(as of September 30, 2017)
116,1000Financial Institution Clients
(as of December 31, 2017)
1169.22B Total Transactions4
(as of December 31, 2017)
UUS $77.6TPayments Volume(as of December 31, 2017)
2.66M AATTMs5
(as of June 30, 2017)
1600 CCurrrenciees(as of December 31, 2016)
Visa’s integrated risk products for the transaction lifecycle
