Delivering theFuture of Payments

Payments at any time, in any place, using any device

Visa Europe is the European payments company – owned, controlled and operated by our European members. Together, we are making payments faster, smarter, more convenient and more secure than ever before.

€1 in €7 of everyday spending is transacted using Visa

46.8m Visa payWave contactless cards issued
€1.233tr point-of-sale spending

459.9m Visa accounts
0.038% fraud-to-sales ratio

23m V PAY cards

CEO's foreword

2012 stands out as a key year for Visa Europe and our members.

The battle for the future of mobile money really took off – and, because the disputed territory lies at the meeting point of mobile phones with banking, payments, retailing, media and analytics – the stakes are high.

As the most trusted brand in payments, we have been leading the way – investing in new capabilities, establishing new lines of business, and forging new partnerships.

At the same time, we delivered a solid business performance: use of Visa continued to increase, rates of fraud were kept to an historic low, and our processing platforms brought yet more value to our members and partners.

Payment is becoming easier and more convenient. It can help retailers to improve and enrich the customer experience. It can also become a point of convergence between the online and offline worlds, a source of rich data, and a powerful new way to engender loyalty and influence behaviour.

Read more
CEO's foreword (PDF 110Kb)

Partnerships and collaborations

We have formed partnerships and collaborations with many of the biggest and most influential players in the mobile payments ecosystem – including operators, device manufacturers and other technology vendors.

Through these partnerships, we can influence and accelerate the deployment of innovative, mobile money solutions.

A formal partnership with a leading consumer insights and data analytics company.
A significant stake in a leading mobile banking technology and services company.
We work with the world’s largest smartphone provider on several levels.
A wide-ranging strategic partnership to drive new business opportunities.
A worldwide partnership to enable consumers to pay using their mobile phones.

We also engage actively across the retail community – helping many of the largest and most influential European merchants to appreciate the business benefits of new payment solutions and to plan for their implementation.

Enabling new commerce

We are building the infrastructures and the systems to facilitate commerce across any channel, using any device, in any place and at any time.

Our processing platforms are a significant asset. Connecting all of our members (and ultimately reaching out to all cardholders and retailers), our systems are flexible and secure. They enable us to quickly introduce our mobile-enabled services. Via highly secure gateways, they also interface directly with Europe's mobile and wireless networks.

Establishing new lines of business

Visa payWave
Visa payWave for mobile
V.me by Visa
Visa Alerts
Visa Personal Payments
Targeted marketing solutions
Mobile point-of-sale solutions

V.me by Visa in Spain

BBVA is the first financial institution to introduce the V.me by Visa digital wallet in Spain. Launched through a trial project in November 2012, BBVA plans for the full commercial launch to follow in 2013, making the wallet available to BBVA customers across Spain.

Visa payWave in Poland

Interest in Visa payWave contactless payments is strong right across Europe – but growth is particularly impressive in Poland, where the payments sector has worked together on a coordinated national rollout programme. By September 2012, the number of Visa payWave transactions had exceeded one million a week, and the country is moving fast towards Visa payWave for mobile.

Read more
Future of Payments (PDF 110Kb)
Enabling new commerce
(PDF 135kb)