Visa Inc. is a payments technology company. The Company and its subsidiaries, including Visa U.S.A. Inc. (Visa U.S.A.), Visa International Service Association (Visa International), Visa Worldwide Pte. Limited, Visa Canada Corporation, Inovant LLC and CyberSource Corporation (CyberSource), operate a processing network, VisaNet, which facilitates authorization, clearing and settlement of payment transactions around the world. The Company also offers fraud protection for account holders and rapid payment for merchants. The Company provides its services to consumers, businesses, financial institutions and governments in over 200 countries and territories for electronic payments. It provides a range of payment solutions that support payment products that issuers can offer to their account holders, including pay now with debit, pay ahead with prepaid or pay later with credit products. It also offers a suite of digital, e-commerce, person-to-person payments, and mobile products and services.