Visa is a kind of payment system, rather than a credit card in itself. Card providers issue their credit cards using Visa’s system. Mastercard is the main alternative. Cards featuring either logo can be used with 29million merchants globally.
You will find the Visa logo on an enormous variety of credit cards issued by the likes of Barclaycard, RBS and NatWest, MBNA and Capital One. Some providers may also make use of Visa's growing variety of payment methods such as contactless. Visa has also introduced ‘the Verified by Visa’ scheme which protects your card details when making a purchase online.
Guide to Visa credit cards
Visa is a technology and payments system which credit card and debit providers choose to sign up to. It is not a bank and doesn’t issue cards, but it provides the processing systems which connect Visa bank and payment service providers with retailers that accept Visa.
If you have a Visa credit card, you can use it in more than 29 million places across the world.
Credit cards give you valuable consumer protection that cash and debit cards don’t. Under Section 75 of the Consumer Credit Act, if you pay for goods or services using a credit card, the card provider is jointly liable with the retailer if something goes wrong.
This protection only applies to items or services costing between £100 and £30,000. So, for example, if you ordered a bed costing £500 and the shop you bought it from goes bust before it is delivered, the credit card provider should provide you with a full refund.
Many Visa credit cards now come with contactless payment technology so that you can make simple, fast and secure payments of purchases less than £30. To make the transaction, you simply need to hold your contactless card within a few centimetres of a payment terminal and funds will be automatically deducted without you having to enter your PIN.
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