Deliver a unified customer experience with Visa Flex Credential

Easily bundle and manage offerings with a flexible credential from Visa, giving eligible cardholders an effortless digital payment experience.

• Meet digital demands
  84% of users intend to use virtual accounts and digital apps as the primary means for flexible payment accounts.¹

• Optimize management
  51% of users report strong appeal for streamlined access to multiple accounts.¹

• Increase cross-sell opportunity
  82% of users are likely to open new cards/accounts with a single bank.¹

Flexible payment options with multiple benefits

Visa Flex Credential helps improve engagement, chart new revenue streams and operational efficiencies.

Acquisition, loyalty and cross-selling

Provide flexibility and choice to encourage product exploration, promote top-of-wallet behavior and appeal to audiences from Gen Z on up.

Access, acceptance and choice

Use the power of our vast network to gain acceptance around the globe, and elevate card-level visibility to help stay top-of-mind and drive usage.

Back-end efficiencies

Help reduce expenses and streamline operations and product management by combining marketing campaigns, billing and other key services.

Use our technology to delight your customers

Manage multiple accounts with minimal effort. With a flexible credential from Visa your customers can easily access multiple funding sources under the same credential.

Pay with credit

Pay-in-4

Pay with points

Easy product integrations

Seamlessly offer new products to your customers under a single credential.

Pay with credit

Pay-in-4

Pay with points

Auto split for travel purchases

Use installments

Customizable features

Allow cardholders the option to assign funding sources to specific purchases and payments.

Auto split for travel purchases

Use installments

Payment Approved

Order Confirmed

Trusted infrastructure

Rely on Visa technology and support to help enable transactions and exceed customer expectations.

Payment Approved

Order Confirmed

"It’s been extremely well received by customers, with more than one million accounts opened in the first six months."
Takuya Ogawa, Product Planning and Development, Sumitomo Mitsui Card Company

Contact us to get started

Let’s talk about how Visa Flex Credential can offer you flexible payment options while providing flawless customer experiences.

More solutions for your business

With Visa technology on your side, you can gain a competitive edge to meet today’s challenges— and tomorrow’s.

Digital payment solutions
Simplify, secure and speed up the way you pay and you are getting paid.

Consumer experience
Boost loyalty through customer engagement, rewards and experiences.

Innovation
Explore the latest payment innovation from Visa.

Sources/Footnotes/Disclaimer

1 Sourced from Visa Flex Account Consumer Research Conducted November 2022: Consumer evaluation of Flex Consumer Value Proposition to support Visa’s pitch to Issuers (AP Markets only)

Visa Flexible Credential | Visa