Visa Flexible Credential | Visa

Visa Flexible Credential

Visa Flexible Credential gives your customers a simple way to manage all accounts, with one single credential.

Every card, one powerful credential

Today’s cardholders aren’t short on options: 70% carry multiple cards from a single issuer,¹ while 84% use digital wallets or virtual accounts to manage their payments,¹ a trend that isn’t slowing down.

Financial institutions need to focus on more than just top-of-wallet status, and become the place their customers go, no matter which card they use. That’s what Visa Flexible Credentials delivers.

Built for today and tomorrow’s spenders

68 % of Gen Z consumers say they intend to use Visa Flexible Credentials.²

68%

of Gen Z consumers say they intend to use Visa Flexible Credentials.²

64 % of Gen Z would open new accounts with an FI if Visa Flexible Credentials was available.²

64%

of Gen Z would open new accounts with an FI if Visa Flexible Credentials was available.²

55 % of consumers are likely to consolidate accounts using Visa Flexible Credentials.²

55%

of consumers are likely to consolidate accounts using Visa Flexible Credentials.²

Made for cardholders. Built for issuers. Trusted by merchants.

Designed to enhance your cardholder’s experience

Total cardholder control.

Flexibility to switch between payment options instantly
Simplicity with easier card management
Familiar digital payment experience

Built to boost issuer performance

Powerful flexibility with simple integration.

Launch and scale fast with minimal disruption
Drive loyalty with enhanced flexibility and personalization
Enhance your offering for evolving cardholder needs

Made to enhance visibility for merchants

No added steps, just simple acceptance.

Full visibility into each transaction
Support for multiple networks without disruption
Runs on Visa’s trusted global network – no changes required

Visa Flexible Credential in action

SMBC ‘Olive’ Account

Visa Flexible Credential launched with Japan’s largest bank as part of its digital-first “Olive” account. The result? 42% higher spend volume per account vs the national average.³

Flexible by design. Simple to implement.

Visa Flexible Credential is API-enabled and designed to integrate into existing digital frameworks with minimal complexity. Whether you're looking to test, scale, or reimagine your card program – we’re here to support your next move.

Visa DPS. Powering your payments.

Get in touch to learn how Visa Flexible Credential can bring all of your cardholder spending into one central platform.

Visa Flexible Credential Consumer Concept Evaluation Fielded October 2023; n=700 US Consumers. Please contact your Visa Representative for market specific findings from United Kingdom (n700), South Africa (700), Egypt (n700), Pakistan (n700isa 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 Consumer Concept Evaluation Fielded October 2023; n=700 US Consumers.
Olive vs non-Olive SMFG accounts.