*Visa Direct is a service that facilitates funds transfers by Visa’s client financial institutions.

• ¹Actual fund availability varies by financial institution and region. Visa requires fast-funds enabled issuers to make funds available to their recipient cardholders within a maximum of 30 minutes of approving the transaction. Please refer to your Visa representative and the Visa Direct Original Credit Transaction Global Implementation Guide for more information.
• ² Visa and Accenture analysis of existing/syndicated research and public data, September 2017.
• ³Aite Group 'North America insights on real-time payments' commissioned by Visa June June 2018. Based on Aite Group survey of 1,663 U.S. consumers in Q2 2015, and a survey of 2,379 North American consumers in Q4 2017.
• ⁴Aite Group 'North America insights on real-time payments' commissioned by Visa June 2018. Based on Aite Group survey of 2,379 North American consumers in Q4 2017.
• ⁵Information about listed solution providers is provided as a convenience and for informational purposes only, may not include all Visa Direct solution providers, and is based on information provided by each solution provider. Visa is not responsible for the accuracy of such information. All brand names and logos are the property of their respective owners, are used for identification purposes only, and do not imply product endorsement.