Visa is a global leader in digital payments that operates a proprietary transaction processing network connecting consumers, financial institutions, and merchants across more than 200 countries and territories. The company earns revenue primarily through service fees on transaction processing and data services, while facilitating consumer, commercial, and cross-border payments through a comprehensive range of products spanning credit and debit cards, digital wallets, money movement solutions, and value-added services including fraud prevention and loyalty programs. Visa does not issue cards, extend credit, or bear credit risk itself, instead functioning as the infrastructure backbone that enables secure and efficient commerce and money movement globally.