Every card, one powerful credential

Today’s cardholders aren’t short on options: 70% carry multiple cards from a single issuer,1 while 84% use digital wallets or virtual accounts to manage their payments,1 a trend that isn’t slowing down.

Financial institutions need to focus on more than just top-of-wallet status, and become the place their customers go, no matter which card they use. That’s what Visa Flexible Credentials delivers.

Built for today and tomorrow’s spenders

68 % of Gen Z consumers say they intend to use Visa Flexible Credentials.²

64 % of Gen Z would open new accounts with an FI if Visa Flexible Credentials was available.²

55 % of consumers are likely to consolidate accounts using Visa Flexible Credentials.²

Made for cardholders. Built for issuers. Trusted by merchants.

Visa Flexible Credential in action

Flexible by design. Simple to implement.

Visa Flexible Credential is API-enabled and designed to integrate into existing digital frameworks with minimal complexity. Whether you're looking to test, scale, or reimagine your card program – we’re here to support your next move.

Visa DPS. Powering your payments.

Get in touch to learn how Visa Flexible Credential can bring all of your cardholder spending into one central platform.

Contact the team
  1. Visa Flexible Credential Consumer Concept Evaluation Fielded October 2023; n=700 US Consumers. Please contact your Visa Representative for market specific findings from United Kingdom (n700), South Africa (700), Egypt (n700), Pakistan (n700isa Flex Account Consumer Research Conducted November 2022: Consumer evaluation of Flex Consumer Value Proposition to support Visa’s pitch to Issuers (AP Markets only)).
  2. Visa Flexible Credential Consumer Concept Evaluation Fielded October 2023; n=700 US Consumers.
  3. Olive vs non-Olive SMFG accounts.