Visa is a world leader in digital payments, operating as a payments technology company, not a bank. It does not issue cards, extend credit, or set rates and fees for consumers. Instead, Visa's role is to provide its financial institution clients with payment products that they can then use to offer credit, debit, prepaid, and cash access programs to their customers. The company's mission is to connect the world through its innovative, reliable, and secure payment network, enabling individuals, businesses, and economies to thrive. In New Zealand, Visa works closely with local banks and businesses to drive the adoption of digital payments and commerce.