Visa Direct

Real-time payments to over a billion cards worldwide.

Visa Direct offers real-time payment capabilities over Visa’s global, interoperable network.  Businesses and consumers can make payments to eligible card accounts, using solutions developed with participating financial institutions or payment service providers.

available for use by:

Issuer Banks
Acquirer Banks
Independent Developers


Free to use in Sandbox. Contact Visa for pricing and commercial details to use in Production.

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Build solutions for fast, simple, and secure digital payments

Visa Direct utilizes Visa’s global payment system to enable real-time push payment capabilities for financial institutions and their clients. Digital payment solutions can use Visa Direct to send funds directly to financial accounts - quickly, simply, and securely.

Key Features

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Push payments to over two billion eligible accounts, with real-time funds availability to over a billion.

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Support use cases including P2P, B2C disbursements, B2B, and P2B bill payments.

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Use APIs with mobile, web, ATM, and in-brand applications.

Related Content

Finix Payments team

How Finix Payments Uses Visa Direct

Finix Payments uses Visa Direct to power the Finix push-to-card (P2C) platform that enables real-time debit card payouts for businesses, replacing traditional, slower methods such as paper checks and ACH transfers.

Ecobank team

How Ecobank Uses Visa Direct

Ecobank uses Visa Direct to support mobile app features that allow customers to shop cash free with QR codes and send money to anyone in and across 33 African countries.

Zenith Bank team

How Zenith Bank Uses Visa Direct

Zenith Bank uses Visa Mobile Push Payments to power its scan to pay app, with the goal of providing a fast, simple and secure way of making payments by scanning QR codes with a smart phone.

Ingo Money app

How Ingo Money Uses Visa Direct

Ingo Money incorporates Visa Direct into its network of networks to help ensure real-time1 funds disbursement capabilities to nearly any debit, reloadable prepaid or credit card, mobile wallets, and even physical cash-out locations.

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