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.
: Bank of America spun off the program into a bank-owned cooperative, which was renamed Visa in 1976. Modern Infrastructure & AI visa credit card company
The company began as a radical experiment in decentralized finance. Visa is not a credit card company in
: Visa does not issue cards, extend credit, or set interest rates; these functions are handled by partner banks . or set interest rates