# Visa Pay

## Visa Pay is a product that enables interoperability between Visa and non-card ecosystems

## available for use by

Independent Developers

## Regional Availability

- N. America
- Asia-Pacific
- Europe
- CEMEA
- LAC

###### Visa Pay: The Future of Seamless Digital Payments

Visa Pay enables consumers to use their Visa Pay enabled local digital wallets and A2A networks to make payments online or offline at Visa-accepting merchant locations, without needing traditional physical card credentials. Visa Pay enhances digital wallet and A2A network provider services with seamless cross-border payment capabilities and widespread merchant acceptance, allowing their users to transact globally. Visa Pay enhances interoperability and is designed to provide a consistent, hassle-free payment experience. Visa Pay is offered through an API solution that encompasses multiple Visa services. Additionally, Visa Pay offers an SDK with a consumer interface and backend orchestration layer for easy integration.

Visa Pay services include:

- Account Credentialization
- Tokenization
- Network Processing
- Payment Interoperability

### Key Use-Cases

#### Tap

Participating wallet-users can make quick and secure payments by simply tapping their payments-enabled smartphone or wearable device at Visa-accepting merchant locations.

#### Scan or QR Codes

Participating wallet-users can make payments at merchant locations by scanning QR codes interoperably with their Visa Pay enabled mobile wallet.

#### eCommerce

Once enabled via Visa Pay, participating wallet-users can use their existing wallet to make purchases on eCommerce platforms via a white-label solution or Click-to-Pay enrollment.

#### P2P

Visa Pay allow wallets to initiate push payments securely over Visa Direct. Wallets can send money seamlessly using their simple identifiers (e-mail & phone number) —enabling cross-wallet P2P transfers.