Visa

Americans have been using credit to purchase goods since the 18th century. Today, the U.S. remains one of the top markets in the world in terms of credit card utilisation rate, reflecting a deeply ingrained credit culture. In 2023, the total value of credit card transactions in the U.S. reached USD 5.6 trillion, up 11% year on year, and accounting for 41% of all POS transactions. As of the first half of 2025, credit card spending in the U.S. was still on the rise, up 5.65% from the previous year. Among all payment methods, Visa remains the most popular card network in the U.S. market, with a 59% share.

Beyond the U.S., Visa is also the preferred payment method among U.K. consumers. Data shows that the total value of credit card payments in the U.K. reached USD 326.4 billion in 2024, and in 2023, Visa commanded a 59% share of the market.

Visa is a globally recognised payment method that enables seamless transactions worldwide through Visa cards that are jointly issued by partner banks and Visa Inc. As one of the leading international payment networks by total transaction value, Visa has issued over 4.8 billion payment credentials globally as of March 2025. By December 2024, approximately 42 million merchants around the world accept Visa payments. Visa serves an extensive range of needs, including online shopping, travel, cross-border settlements, virtual card payments, education, and healthcare services, with full support for both web and app environments. With the mission to "uplift everyone, everywhere by being the best way to pay and be paid," Visa is committed to integrating its payment solutions into every aspect of daily life worldwide.

In terms of security, Visa has built a comprehensive and robust risk management system that integrates EMV chip technology, Visa Secure (formerly Verified by Visa), AI-driven risk control, and the Zero Liability Policy. It also supports advanced features such as 3DS authentication and network tokenisation to effectively reduce fraudulent transaction rates and ensure end-to-end payment security. Merchants that accept Visa payments via Antom can further benefit from Antom's advanced AI-driven risk control capabilities, creating a dual-layered protection framework that enhances transaction security across the entire payment process.

Operating in over 200 markets and supporting settlements in more than 100 currencies, Antom has brought together more than 300 payment methods on its payment service platform. In addition to providing merchants with stable and efficient card acquiring services, the platform also delivers systematic risk control strategies and services. As a key pillar of Antom's global acquiring network, Visa consistently provides reliable payment support that enables businesses to thrive both locally and across borders.

Properties

The following table summarises the main features of Visa credit card payments, covering merchant acquiring, supported currencies, 3D Secure, recurring payments (MIT), refund options, and chargeback or dispute management, which will help businesses optimise their payment strategies.

Note: Visa credit card payments support global multi-currency transactions and advanced security verification, meeting business needs for cross-border and online payments.

[1]Partial capture is conditional and requires additional approval to be enabled.

[2] Partial refund is conditional and requires additional approval to be enabled.

User experience

This section shows the user experience of Visa in different scenarios:

API integration

As one of the world's leading credit card payment methods, Visa is widely used in cross-border e-commerce, subscription billing, and mobile payments. Through Antom's API integration or checkout solutions, merchants can quickly enable global acquiring and multi-currency settlement.

This section shows the difference in user experience between those PCI and non-PCI qualified under the API integration.

PCI qualified

This section shows the difference between the first-time and subsequent payments under the PCI qualified.

First-time payment

WebApp

Subsequent payments

Web

App

Non-PCI qualified

This section shows the difference between the first-time and subsequent payments under the non-PCI qualified.

First-time payment

Web

App

Subsequent payments

Web

App

SDK integration

This section shows the difference between the first-time and subsequent payments under the SDK integration.

First-time payment

Web

App

Subsequent payments

Web

App

Choose Visa payments for growth across the world

Whether in cross-border e-commerce, travel, hospitality, or digital subscription services, Visa provides merchants worldwide with a secure, efficient credit card payment solution.

FAQs

1. What are the benefits of enabling Visa payments through Antom?

Antom has fully integrated Visa payments, so merchants can access diverse online and offline payment options through a single setup and benefit from Visa's global authorisation, clearing, and risk management systems.

2. How do I enable Visa payments?

Merchants can apply to enable Visa payments through their acquiring bank or directly via Antom. Once the qualification review, technical integration, and security certification are completed, Visa payment acceptance will be enabled.

3. Why do American consumers prefer using credit cards?

American consumers' preference for credit cards comes down to three major advantages. First, they offer fast, convenient payments and interest-free repayment periods. Second, they provide generous sign-up bonuses and up to 5% cashback on everyday spending such as dining and gas. Third, responsible credit card use helps build a strong personal credit history, which directly impacts access to future loans and other financial services, making credit cards an indispensable part of the U.S. financial system.

4. What are the main credit card fraud risks today, and how can they be prevented?

U.S. merchants face increasingly sophisticated fraud risks, including phishing schemes that steal cardholder data, unauthorised transactions, buyer-initiated chargeback fraud, and synthetic identity fraud that leverages deepfake technology to bypass verification. These risks can result in significant financial losses and operational disruptions for merchants. To combat these challenges, Antom Shield offers AI-powered intelligent risk management, featuring a millisecond-level transaction risk assessment system that helps both merchants and consumers mitigate fraud in real time. Leveraging global-scale transaction data and advanced machine learning algorithms, Antom Shield not only protects consumers from fraud losses but also helps merchants streamline dispute resolution, reduce chargeback exposure, and maintain a secure payment environment without compromising conversion rates.

5. What is the Interchange++ pricing model?

Interchange++ is a highly transparent payment pricing model. This model accurately tracks the interchange fees and card network settlement fees incurred for each transaction, and it can calculate the cost estimate for a transaction before the payment is completed. With this precise, transaction-level pricing model, merchants can clearly understand the actual cost breakdown for each payment.

6. Does Antom charge an initial system fee or monthly service fee?

Antom's basic acquiring products do not charge any system setup fees, monthly service fees, technical integration fees, or account cancellation fees. If you would like to learn more about the specific service terms and fee structure, please contact our sales team, who will provide a customised service plan based on your business needs.