# 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.

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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

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#### 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

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#### 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.

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

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

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**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