Alternative Lending

Lending has changed – for the better – for both for consumers and businesses. Through Visa, you now have more variety in the lending solutions you can offer. 

Want to create installment loans by issuing virtual cards that can be used by consumers or businesses at point of sale? Or maybe you prefer to provide loan disbursements quickly through push payments? Just build your use case on top of Visa’s technology, and you’re good to go. 

alt-lending

See how Alternative Lending Solutions from Visa can help enable real-time* funding to your consumers or merchants

Alternative Lending might be for you if you are a startup or other business:

  • Providing direct-to-consumer or merchant loan disbursements
  • Providing consumers the option to pay for purchases in installments at the point of sale through virtual card issuance or on their existing credit or debit cards
  • Looking to offer micro loans through mobile devices in emerging markets

Want to learn more about payments?

Check out Steps to Launch a Payments Program to dig deeper. 

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Build Your Alternative Lending Solution

Want to build your own solution?  See All Capabilities >

CORE


Installments

Installments allow consumers to pay for qualifying purchases over time using their Visa credit or debit cards, including physical or virtual cards utilizing tokenization. It can be a big benefit for consumers because it helps provide increased flexibility and transparency, and can help drive sales and revenue for merchants and lenders.**

Things to Consider

To use installments, you will need a BIN Sponsor or a direct Visa License as well as an Issuer Processor.

Product Documentation

Check out our beta APIs at Visa Next.

CORE


Push Payments

Push payment transactions allow funds to be sent to and from any eligible Visa debit or reloadable prepaid card. Funds are posted to a deposit or omnibus account via the Primary Account Number of the card. In addition, Visa offers the Visa Push Payment Gateway Service to enable push-to-card capabilities for non-Visa cards in the U.S. and Canada.

Things to Consider

To enable fast payments to over one billion cards globally, you will need a Visa Direct Partner. A Visa Direct Partner can help you find an acquirer.

Product Documentation

Our products are documented and accessed through Visa Developer Center.

CORE


Issuance and Controls

Issue virtual and physical cards and give your users the ability to manage card controls, like spend restrictions.

Things to Consider

To enable digital issuance, you will need a BIN Sponsor or a direct Visa License as well as an Issuer Processor.

Product Documentation

Check out our beta APIs at Visa Next.

I’m ready to start building!

We’ll take you to Visa Developer Center to start your project.

Go to Visa Developer Center

Learn More

Learn more about payments and how to bring your product to market.

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Fintech Fast Track Program

Quick and easy way to onboard with Visa.
Great for entrepreneurs looking for favorable commercial terms and hands-on guidance.