Visa Direct to Make Funds Available in U.S. Cardholders’ Bank Accounts in One Minute or Less
Visa announced that starting April 2025, funds transferred to U.S. bank accounts via Visa Direct will be available within 1 minute or less. The service reaches 99% of bank accounts in the US and over 11 billion endpoints globally, including cards, accounts, and digital wallets.
The enhancement applies to various use cases including bill splitting, inter-account transfers, insurance payouts, and earned wage access. Visa Direct currently processes billions of real-time transactions across 50+ use cases in the US. The upgrade aims to improve operational efficiency for businesses and governments while maintaining strong security standards.
Visa ha annunciato che a partire da aprile 2025, i fondi trasferiti su conti bancari statunitensi tramite Visa Direct saranno disponibili entro 1 minuto o meno. Il servizio raggiunge il 99% dei conti bancari negli Stati Uniti e oltre 11 miliardi di punti di accesso a livello globale, inclusi carte, conti e portafogli digitali.
Il miglioramento si applica a vari casi d'uso, tra cui la suddivisione delle bollette, i trasferimenti interni, i pagamenti delle assicurazioni e l'accesso agli stipendi guadagnati. Visa Direct attualmente gestisce miliardi di transazioni in tempo reale in oltre 50 casi d'uso negli Stati Uniti. L'aggiornamento mira a migliorare l'efficienza operativa per le aziende e i governi, mantenendo elevati standard di sicurezza.
Visa anunció que a partir de abril de 2025, los fondos transferidos a cuentas bancarias de EE. UU. a través de Visa Direct estarán disponibles en 1 minuto o menos. El servicio alcanza el 99% de las cuentas bancarias en EE. UU. y más de 11 mil millones de puntos de acceso a nivel global, incluidas tarjetas, cuentas y billeteras digitales.
La mejora se aplica a varios casos de uso, incluyendo la división de facturas, transferencias entre cuentas, pagos de seguros y acceso a salarios ganados. Visa Direct actualmente procesa miles de millones de transacciones en tiempo real en más de 50 casos de uso en EE. UU. La actualización tiene como objetivo mejorar la eficiencia operativa para empresas y gobiernos, manteniendo altos estándares de seguridad.
비자는 2025년 4월부터 비자 다이렉트를 통해 미국 은행 계좌로 이체된 자금이 1분 이내에 이용 가능해질 것이라고 발표했습니다. 이 서비스는 미국의 99% 은행 계좌와 110억 개 이상의 글로벌 엔드포인트(카드, 계좌 및 디지털 지갑 포함)에 도달합니다.
이 개선 사항은 청구금 분할, 계좌 간 이체, 보험 지급 및 근로 소득 접근을 포함한 다양한 사용 사례에 적용됩니다. 비자 다이렉트는 현재 미국에서 50개 이상의 사용 사례에 걸쳐 수십억 건의 실시간 거래를 처리하고 있습니다. 이번 업그레이드는 기업과 정부의 운영 효율성을 높이는 동시에 강력한 보안 기준을 유지하는 것을 목표로 하고 있습니다.
Visa a annoncé qu'à partir d'avril 2025, les fonds transférés sur des comptes bancaires américains via Visa Direct seront disponibles en une minute ou moins. Le service atteint 99 % des comptes bancaires aux États-Unis et plus de 11 milliards de points d'accès dans le monde, y compris des cartes, des comptes et des portefeuilles numériques.
Cette amélioration s'applique à divers cas d'utilisation, notamment le partage de factures, les transferts entre comptes, les paiements d'assurance et l'accès aux salaires gagnés. Visa Direct traite actuellement des milliards de transactions en temps réel dans plus de 50 cas d'utilisation aux États-Unis. La mise à niveau vise à améliorer l'efficacité opérationnelle des entreprises et des gouvernements tout en maintenant des normes de sécurité élevées.
Visa hat angekündigt, dass ab April 2025 die auf US-Bankkonten über Visa Direct überwiesenen Gelder innerhalb von 1 Minute oder weniger verfügbar sein werden. Der Service erreicht 99% der Bankkonten in den USA und über 11 Milliarden Endpunkte weltweit, einschließlich Karten, Konten und digitaler Geldbörsen.
Diese Verbesserung gilt für verschiedene Anwendungsfälle, einschließlich der Aufteilung von Rechnungen, internen Kontoüberweisungen, Versicherungszahlungen und dem Zugang zu verdienten Löhnen. Visa Direct verarbeitet derzeit Milliarden von Echtzeitransaktionen in über 50 Anwendungsfällen in den USA. Das Upgrade zielt darauf ab, die Betriebseffizienz für Unternehmen und Regierungen zu verbessern und gleichzeitig hohe Sicherheitsstandards aufrechtzuerhalten.
- Service reaches 99% of U.S. bank accounts and 11 billion global endpoints
- Processes billions of real-time transactions across 50+ use cases
- Will reduce fund availability time to under 1 minute by April 2025
- Expands business opportunities in government benefits, healthcare payments, and service industry
- Implementation delayed until April 2025
- Actual fund availability still depends on receiving financial institution
Insights
This strategic move by Visa significantly enhances its competitive position in the real-time payments landscape. The 1-minute funds availability guarantee for Visa Direct transactions represents a major leap forward, particularly given Visa's extensive reach to 99% of U.S. bank accounts and over 11 billion global endpoints. The initiative strengthens Visa's moat in the payments ecosystem by setting a new industry standard for settlement speed.
The timing of this announcement is important as it comes amid increasing competition from emerging payment rails and real-time payment systems. By processing billions of real-time transactions across 50+ use cases, Visa is effectively expanding its revenue streams beyond traditional card payments into high-growth segments like earned wage access, insurance payouts and P2P transfers. This positions Visa to capture a larger share of the rapidly growing real-time payments market while maintaining its dominant position in the payments infrastructure.
The implementation of near-instant fund availability addresses a critical market demand and could drive significant transaction volume growth. This enhancement particularly benefits key growth segments like gig economy payments, insurance disbursements and B2B transactions where speed is crucial. The broad applicability across consumer, business and government use cases suggests substantial revenue potential.
While the April 2025 implementation timeline may seem distant, it allows for proper system integration and risk management. The endorsement from the U.S. Faster Payments Council adds credibility and indicates strong industry support. This development could accelerate the shift from traditional payment methods to real-time digital payments, potentially expanding Visa's transaction volumes and revenue base in the medium to long term.
Faster Delivery of Funds Improves Experience for Cardholders and Empowers Businesses to Operate More Effectively
Whether splitting a bill with friends, moving money between accounts, receiving an insurance claim payout or a worker accessing their earned wages, this change will ensure that funds are available in bank accounts within 1 minute or less, effective April 2025.
Visa Direct enables real-time2 money movement to eligible debit cards. Visa Direct reaches
“Today, Visa Direct processes billions of real-time transactions in the US, across 50+ use cases, making it a preferred choice for consumers when receiving money from businesses or moving money between their accounts. This change underscores Visa’s commitment to accelerating real-time payments,” said Jim Filice, VP, Head of Real-time Payments, Visa Direct. “At Visa, we are constantly striving to innovate and provide the best possible money movement experiences, and this update will significantly enhance the speed and convenience, while maintaining strong security standards.”
In addition to enhancing the cardholder’s experience, this update opens new avenues for businesses and governments to grow and thrive. With faster funds availability, organizations can enhance their operational efficiency, deliver better customer experiences, and foster trust among their clients. Whether it’s disbursing government benefits, processing healthcare payments, or handling tips in the service industry, the improved speed and reliability of money movement using Visa Direct empowers businesses and governments to operate in real-time more effectively.
“Faster payments are crucial for the modern economy, and this move by Visa is a significant step forward,” said Reed Luhtanen, Executive Director and CEO,
For more information on Visa Direct, visit: https://usa.visa.com/partner-with-us/payment-technology/visa-direct.html.
About Visa
Visa (NYSE: V) is a world leader in digital payments, facilitating transactions between consumers, merchants, financial institutions and government entities across more than 200 countries and territories. Our mission is to connect the world through the most innovative, convenient, reliable and secure payments network, enabling individuals, businesses and economies to thrive. We believe that economies that include everyone everywhere, uplift everyone everywhere and see access as foundational to the future of money movement. Learn more at Visa.com.
About the
The FPC is an industry-led membership organization whose vision is a world-class payment system where Americans can safely and securely pay anyone, anywhere, at any time and with near-immediate funds availability. By design, the FPC encourages a diverse range of perspectives and is open to all stakeholders in the
1Actual fund availability depends on
2Actual fund availability depends on receiving financial institution and region.
View source version on businesswire.com: https://www.businesswire.com/news/home/20241211701756/en/
Media Contact
Andy Gerlt, Visa
Press@Visa.com
Source: Visa Inc.
FAQ
When will Visa (V) implement the 1-minute fund transfer service in the US?
What is the current reach of Visa Direct in the United States?
How many use cases does Visa Direct (V) currently support in the US?
What types of transactions will benefit from Visa's (V) 1-minute transfer service?
How many global endpoints can Visa Direct reach?
