1
Operational Performance Data
The tables below provide information regarding the available operational results for the 3 months ended September 30, 2026, as well as the prior four quarterly reporting periods and the 12 months ended September 30, 2026 and 2025, for cards and other form factors carrying the Visa, Visa Electron, V PAY and Interlink brands.
1.
Branded Volume and Transactions
The tables present regional total volume, payments volume, and cash volume, and the number of payments transactions, cash transactions, accounts and cards for cards and other form factors carrying the Visa, Visa Electron, V PAY and Interlink brands and excludes Europe co-badged volume and transactions for all periods.
Card counts include PLUS proprietary cards.
Nominal and constant dollar growth rates over prior years are provided for volume-based data.
Total Volume($ billions) Growth (Nominal USD) Growth (Constant USD) Payments Volume ($ billions) Growth (Nominal USD) Growth (Constant USD) Payments Transactions (millions) Cash Volume ($ billions) Growth (Nominal USD) Growth (Constant USD) Cash Transactions (millions) Accounts (millions) Cards (millions)
All Visa Credit & DebitAsia Pacific $617 1.7% 3.2% $544 2.8% 3.7% 13,913 $72 (5.3%) (0.3%) 700
Canada 125 6.4% 7.7% 118 6.9% 8.2% 1,924 7 (0.9%) 0.3% 11
CEMEA 404 10.0% 8.5% 272 14.5% 12.6% 9,079 132 1.9% 1.0% 903
LAC 437 13.4% 8.5% 298 17.4% 12.8% 11,408 139 5.8% 0.3% 990
US 2,100 8.9% 8.9% 1,948 9.7% 9.7% 30,113 152 (0.5%) (0.5%) 684
Europe 1,045 7.3% 9.3% 900 8.9% 10.8% 22,795 145 (1.6%) 1.0% 602
Visa Inc. 4,728 8.0% 8.1% 4,080 9.3% 9.5% 89,232 647 0.4% 0.4% 3,890
Visa Credit ProgramsUS $974 10.7% 10.7% $959 10.5% 10.5% 10,870 $16 22.2% 22.2% 29
International 1,079 7.1% 8.1% 1,028 7.3% 8.4% 22,189 51 1.9% 2.3% 185
Visa Inc. 2,053 8.7% 9.3% 1,987 8.8% 9.4% 33,059 67 6.1% 6.5% 214
Visa Debit ProgramsUS $1,126 7.4% 7.4% $989 8.9% 8.9% 19,243 $136 (2.6%) (2.6%) 655
International 1,549 7.4% 7.1% 1,104 10.5% 10.1% 36,930 445 0.6% 0.4% 3,021
Visa Inc. 2,674 7.4% 7.2% 2,093 9.7% 9.5% 56,173 581 (0.2%) (0.3%) 3,676
Total Volume($ billions) Growth (Nominal USD) Growth (Constant USD) Payments Volume ($ billions) Growth (Nominal USD) Growth (Constant USD) Payments Transactions (millions) Cash Volume ($ billions) Growth (Nominal USD) Growth (Constant USD) Cash Transactions (millions) Accounts (millions) Cards (millions)
All Visa Credit & DebitAsia Pacific $606 3.7% 5.1% $532 4.5% 5.5% 13,389 $74 (1.8%) 2.2% 695 1,195 1,280
Canada 126 7.2% 7.1% 118 7.6% 7.5% 1,871 7 0.8% 0.8% 12 90 97
CEMEA 385 11.5% 9.6% 254 14.9% 12.9% 8,634 131 5.4% 3.7% 892 460 491
LAC 432 16.3% 8.0% 293 21.4% 13.4% 11,061 139 6.7% (1.8%) 993 827 1,016
US 2,095 9.3% 9.3% 1,940 10.0% 10.0% 29,640 155 1.5% 1.5% 699 1,336 1,607
Europe 1,017 11.1% 9.3% 871 12.5% 10.8% 21,826 146 3.1% 1.3% 616 650 751
Visa Inc. 4,660 9.6% 8.6% 4,008 10.7% 9.9% 86,420 653 3.3% 1.2% 3,906 4,558 5,241
Visa Credit ProgramsUS $966 11.2% 11.2% $950 11.0% 11.0% 10,530 $16 24.1% 24.1% 32 378 567
International 1,048 9.2% 8.8% 999 9.6% 9.3% 21,293 49 2.4% 0.8% 182 886 1,060
Visa Inc. 2,014 10.1% 10.0% 1,949 10.3% 10.1% 31,823 65 6.9% 5.6% 214 1,264 1,627
Visa Debit ProgramsUS $1,130 7.8% 7.8% $990 9.0% 9.0% 19,110 $140 (0.5%) (0.5%) 667 958 1,040
International 1,516 10.4% 7.4% 1,069 13.3% 10.3% 35,488 448 4.0% 1.2% 3,025 2,336 2,574
Visa Inc. 2,646 9.2% 7.6% 2,059 11.2% 9.7% 54,597 588 2.9% 0.8% 3,692 3,294 3,614
For the 3 Months Ended September 30, 2026
For the 3 Months Ended June 30, 2026
~PAGE-BREAK~
2
Total Volume($ billions) Growth (Nominal USD) Growth (Constant USD) Payments Volume ($ billions) Growth (Nominal USD) Growth (Constant USD) Payments Transactions (millions) Cash Volume ($ billions) Growth (Nominal USD) Growth (Constant USD) Cash Transactions (millions) Accounts (millions) Cards (millions)
All Visa Credit & DebitAsia Pacific $598 5.5% 3.8% $521 6.3% 4.3% 12,688 $78 0.5% 0.4% 713 1,196 1,282
Canada 113 10.0% 5.7% 106 10.4% 6.0% 1,682 7 4.8% 0.7% 12 91 98
CEMEA 376 11.7% 9.5% 245 15.2% 13.3% 8,046 131 5.8% 3.0% 876 452 484
LAC 408 15.4% 8.3% 274 20.4% 14.2% 10,537 134 6.4% (2.0%) 994 813 1,005
US 1,932 7.4% 7.4% 1,788 8.1% 8.1% 27,261 145 (0.2%) (0.2%) 649 1,340 1,608
Europe 926 18.0% 9.8% 795 19.3% 11.0% 19,664 131 10.6% 3.0% 559 654 735
Visa Inc. 4,354 10.4% 7.6% 3,729 11.4% 8.8% 79,878 626 4.7% 0.8% 3,803 4,547 5,212
Visa Credit ProgramsUS $873 9.5% 9.5% $860 9.6% 9.6% 9,442 $13 2.5% 2.5% 22 375 556
International 989 11.4% 8.3% 942 11.6% 8.6% 19,771 47 8.7% 3.5% 171 891 1,055
Visa Inc. 1,862 10.5% 8.9% 1,802 10.6% 9.0% 29,212 60 7.3% 3.3% 194 1,266 1,611
Visa Debit ProgramsUS $1,059 5.7% 5.7% $928 6.7% 6.7% 17,819 $131 (0.5%) (0.5%) 626 965 1,052
International 1,433 14.0% 7.4% 999 17.8% 10.5% 32,846 434 6.0% 0.9% 2,983 2,316 2,549
Visa Inc. 2,492 10.3% 6.7% 1,927 12.2% 8.6% 50,665 566 4.4% 0.5% 3,609 3,281 3,601
Total Volume($ billions) Growth (Nominal USD) Growth (Constant USD) Payments Volume ($ billions) Growth (Nominal USD) Growth (Constant USD) Payments Transactions (millions) Cash Volume ($ billions) Growth (Nominal USD) Growth (Constant USD) Cash Transactions (millions) Accounts (millions) Cards (millions)
All Visa Credit & DebitAsia Pacific $618 2.2% 2.6% $539 2.9% 3.1% 13,223 $79 (2.2%) (0.8%) 731 1,181 1,262
Canada 124 5.3% 4.6% 117 5.5% 4.8% 1,841 7 2.1% 1.3% 12 92 98
CEMEA 383 12.8% 11.6% 250 16.7% 15.9% 8,309 133 6.3% 4.3% 888 444 479
LAC 428 13.4% 8.5% 285 17.8% 14.0% 10,998 144 5.6% (0.9%) 1,097 806 991
US 1,984 6.1% 6.1% 1,835 6.6% 6.6% 28,602 150 0.0% 0.0% 688 1,313 1,585
Europe 989 16.9% 9.6% 843 18.1% 10.8% 20,971 146 10.8% 3.1% 629 648 726
Visa Inc. 4,527 8.9% 7.0% 3,869 9.7% 8.0% 83,945 659 4.5% 1.2% 4,046 4,484 5,142
Visa Credit ProgramsUS $918 7.4% 7.4% $905 7.5% 7.5% 10,115 $13 7.1% 7.1% 19 366 539
International 1,038 9.8% 8.3% 989 9.9% 8.5% 20,789 49 9.4% 5.3% 187 880 1,039
Visa Inc. 1,956 8.7% 7.9% 1,894 8.7% 8.0% 30,904 62 8.9% 5.7% 206 1,246 1,578
Visa Debit ProgramsUS $1,067 5.0% 5.0% $930 5.9% 5.9% 18,487 $137 (0.6%) (0.6%) 669 947 1,046
International 1,504 12.3% 7.2% 1,045 15.5% 10.1% 34,554 460 5.5% 1.2% 3,170 2,291 2,518
Visa Inc. 2,571 9.1% 6.3% 1,975 10.8% 8.1% 53,041 596 4.0% 0.8% 3,839 3,238 3,564
Total Volume($ billions) Growth (Nominal USD) Growth (Constant USD) Payments Volume ($ billions) Growth (Nominal USD) Growth (Constant USD) Payments Transactions (millions) Cash Volume ($ billions) Growth (Nominal USD) Growth (Constant USD) Cash Transactions (millions) Accounts (millions) Cards (millions)
All Visa Credit & DebitAsia Pacific $606 3.5% 3.6% $530 4.3% 4.3% 12,946 $76 (1.6%) (1.4%) 728 1,164 1,247
Canada 117 4.4% 5.5% 110 4.5% 5.6% 1,791 7 2.8% 3.9% 12 89 96
CEMEA 367 12.4% 12.6% 238 16.9% 17.6% 7,969 129 5.0% 4.5% 877 432 462
LAC 385 6.3% 8.4% 254 11.4% 14.6% 10,308 131 (2.3%) (1.8%) 1,075 786 956
US 1,929 7.1% 7.1% 1,776 7.7% 7.7% 28,220 153 1.5% 1.5% 720 1,290 1,549
Europe 973 14.3% 9.4% 826 15.4% 10.4% 20,903 147 8.5% 3.9% 659 643 722
Visa Inc. 4,378 8.4% 7.6% 3,733 9.5% 8.8% 82,139 645 2.5% 1.6% 4,072 4,403 5,032
Visa Credit ProgramsUS $880 7.5% 7.5% $867 7.6% 7.6% 9,837 $13 0.9% 0.9% 17 363 532
International 1,008 9.8% 9.5% 958 9.7% 9.5% 20,372 50 10.4% 8.3% 189 863 1,012
Visa Inc. 1,888 8.7% 8.5% 1,826 8.7% 8.6% 30,209 63 8.2% 6.7% 206 1,226 1,544
Visa Debit ProgramsUS $1,048 6.9% 6.9% $908 7.7% 7.7% 18,384 $140 1.5% 1.5% 703 927 1,017
International 1,441 9.2% 7.1% 999 12.6% 10.0% 33,547 442 2.1% 0.9% 3,163 ,250 ,471
Visa Inc. 2,490 8.2% 7.0% 1,908 10.2% 8.9% 51,930 582 1.9% 1.1% 3,865 3,177 3,488
For the 3 Months Ended September 30, 2025
For the 3 Months Ended March 31, 2026
For the 3 Months Ended December 31, 2025
~PAGE-BREAK~
3
Total Volume($ billions) Growth (Nominal USD) Growth (Constant USD) Payments Volume ($ billions) Growth (Nominal USD) Growth (Constant USD) Payments Transactions (millions) Cash Volume ($ billions) Growth (Nominal USD) Growth (Constant USD) Cash Transactions (millions) Accounts (millions) Cards (millions)
All Visa Credit & DebitAsia Pacific $2,439 3.2% 3.6% $2,136 4.1% 4.1% 53,213 $303 (2.2%) 0.3% 2,838
Canada 488 7.1% 6.3% 459 7.5% 6.6% 7,319 29 1.6% 0.8% 47
CEMEA 1,549 11.5% 9.8% 1,021 15.3% 13.6% 34,067 527 4.8% 3.0% 3,559
LAC 1,705 14.6% 8.3% 1,150 19.2% 13.6% 44,003 555 6.1% (1.1%) 4,075
US 8,112 7.9% 7.9% 7,511 8.6% 8.6% 115,615 602 0.2% 0.2% 2,720
Europe 3,977 13.0% 9.5% 3,409 14.4% 10.9% 85,257 568 5.3% 2.1% 2,405
Visa Inc. 18,269 9.2% 7.8% 15,685 10.3% 9.1% 339,475 2,584 3.2% 0.9% 15,645
Visa Credit ProgramsUS $3,731 9.7% 9.7% $3,673 9.6% 9.6% 40,956 $57 14.1% 14.1% 103
International 4,155 9.3% 8.4% 3,958 9.5% 8.7% 84,042 196 5.4% 3.0% 726
Visa Inc. 7,885 9.5% 9.0% 7,631 9.6% 9.1% 124,998 254 7.3% 5.3% 829
Visa Debit ProgramsUS $4,382 6.5% 6.5% $3,837 7.6% 7.6% 74,659 $544 (1.0%) (1.0%) 2,618
International 6,003 10.9% 7.3% 4,216 14.1% 10.2% 139,818 1,786 4.0% 0.9% 12,198
Visa Inc. 10,384 9.0% 6.9% 8,054 10.9% 9.0% 214,477 2,331 2.8% 0.5% 14,816
Total Volume($ billions) Growth (Nominal USD) Growth (Constant USD) Payments Volume ($ billions) Growth (Nominal USD) Growth (Constant USD) Payments Transactions (millions) Cash Volume ($ billions) Growth (Nominal USD) Growth (Constant USD) Cash Transactions (millions) Accounts (millions) Cards (millions)
All Visa Credit & DebitAsia Pacific $2,362 1.0% 1.6% $2,052 1.4% 2.1% 49,337 $310 (1.6%) (1.7%) 2,949 1,164 1,247
Canada 455 4.0% 6.9% 427 4.2% 7.1% 6,862 29 1.2% 4.0% 47 89 96
CEMEA 1,389 11.0% 12.9% 886 15.9% 17.9% 29,850 503 3.3% 5.1% 3,468 432 462
LAC 1,488 3.2% 11.6% 965 8.1% 17.7% 39,484 523 (4.8%) 2.2% 4,540 786 956
US 7,515 6.3% 6.3% 6,915 6.9% 6.9% 109,135 600 0.1% 0.1% 2,851 1,290 1,549
Europe 3,520 11.4% 9.6% 2,980 12.9% 10.9% 78,504 540 3.6% 2.7% 2,617 643 722
Visa Inc. 16,729 6.6% 7.3% 14,224 7.8% 8.4% 313,171 2,505 0.2% 1.9% 16,473 4,403 5,032
Visa Credit ProgramsUS $3,400 6.3% 6.3% $3,350 6.3% 6.3% 37,499 $50 3.4% 3.4% 67 363 532
International 3,801 6.5% 8.4% 3,614 6.6% 8.5% 76,660 186 4.2% 5.7% 731 863 1,012
Visa Inc. 7,201 6.4% 7.4% 6,964 6.5% 7.4% 114,159 237 4.0% 5.2% 798 1,226 1,544
Visa Debit ProgramsUS $4,115 6.4% 6.4% $3,565 7.5% 7.5% 71,636 $550 (0.2%) (0.2%) 2,784 927 1,017
International 5,413 6.9% 8.0% 3,695 10.6% 10.9% 127,376 1,718 (0.2%) 2.1% 12,891 2,250 2,471
Visa Inc. 9,528 6.7% 7.3% 7,260 9.1% 9.3% 199,012 2,268 (0.2%) 1.6% 15,676 3,177 3,488
For the 12 Months Ended September 30, 2026
For the 12 Months Ended September 30, 2025
~PAGE-BREAK~
4
2.
Cross-Border Volume
The table below represents cross-border volume growth for cards and other form factors carrying the Visa, Visa Electron, V PAY, Interlink and PLUS brands.
Cross-border volume refers to payments and cash volume where the issuing country is different from the merchant country.
PeriodTotalGrowth(Nominal USD)TotalGrowth (Constant USD)Ex.
Intra-Europe Growth (Constant USD)
3 Months EndedSep 30, 2026 13% 14% 14%
Jun 30, 2026 15% 13% 12%
Mar 31, 2026 21% 12% 11%
Dec 31, 2025 18% 12% 11%
Sep 30, 2025 17% 12% 11%
12 Months EndedSep 30, 2026 16% 13% 12%
(1) Cross-border volumes excluding transactions within Europe drive our international transaction revenue.
3.
Visa Processed Transactions The table below includes payments and cash transactions, and represent transactions using cards and other form factors carrying the Visa, Visa Electron, V PAY, Interlink and PLUS brands processed on Visa’s networks.
Period Processed Transactions (millions) Growth
3 Months EndedSep 30, 2026 74,184 10%
Jun 30, 2026 71,662 10%
Mar 31, 2026 66,086 9%
Dec 31, 2025 69,400 9%
Sep 30, 2025 67,654 10%
12 Months EndedSep 30, 2026 281,331 9%
~PAGE-BREAK~
5
Footnote
Payments volume represents the aggregate dollar amount of purchases made with cards and other form factors carrying the Visa, Visa Electron, V PAY and Interlink brands and excludes Europe co-badged volume for the relevant period, and cash volume represents the aggregate dollar amount of cash disbursements obtained with these cards for the relevant period and includes the impact of balance transfers and convenience checks, but excludes proprietary PLUS volume.
Total volume represents payments and cash volume.
Visa payment products are comprised of credit and debit programs, and data relating to each program is included in the tables.
Debit programs include Visa’s signature based and Interlink (PIN) debit programs.
The data presented is based on transactions processed by Visa and reported by Visa’s financial institution clients on their operating certificates.
Estimates may be utilized if data is unavailable.
Previously presented information may be updated.
Prior period updates, if any, are not material.
Visa’s CEMEA region is comprised of countries in Central Europe, the Middle East and Africa.
Several European Union countries in Central Europe, Israel and Turkey are not included in CEMEA.
LAC is comprised of countries in Central and South America and the Caribbean.
International includes Asia Pacific, Canada, CEMEA, Europe and LAC.
Information denominated in U.S. dollars is calculated by applying an established U.S. dollar/local currency exchange rate for each local currency in which Visa Inc. volumes are reported ("Nominal USD").
These exchange rates are calculated on a quarterly basis using the established exchange rate for each quarter.
To eliminate the impact of foreign currency fluctuations against the U.S. dollar in measuring performance, Visa Inc. also reports year-over-year growth in total volume, payments volume and cash volume on the basis of local currency information ("Constant USD").
This presentation represents Visa’s historical methodology which may be subject to review and refinement.
Figures in the tables may not recalculate exactly due to rounding.
The totals and percentages are calculated based on unrounded numbers.
~PAGE-BREAK~
