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Visa Europe is a payments business.

By making payments easier, we bring more speed, security and simplicity to consumers, retailers and businesses, banks, other payment service providers and governments.

Visa Europe is a not-for-profit membership association, wholly owned, controlled and operated by more than 4,000 members – banks and other payment service providers, from 36 countries across Europe.

We don't issue cards. We don't sign up retailers. We don't decide cardholder or retailer fees. All this is done by the banks and other payment service providers who are members of Visa Europe.

We provide the brand, systems, services and rules that help make electronic payments between millions of European consumers, retailers and businesses and governments happen.

Our role is to connect the four groups in the transaction process:

• Issuers – the banks and other payment service providers that issue Visa cards to their customers
• Acquirers – the banks and other payment service providers that sign up retailers to accept Visa payments
• Cardholders – the people who use Visa cards to make fast, secure electronic payments
• Retailers – the businesses that accept Visa cards, benefiting from increased speed, efficiency and security, as well as guaranteed payment.

In Europe, there are 460 million Visa debit, credit and commercial cards.

In the 12 months ending June 2012 those cards were used to make purchases and cash withdrawals to the value of €1.8 trillion. 14% of consumer spending at the point of sale in Europe is with a Visa card, and almost 80% of that is on Visa debit cards.

Please view information on the Visa Contactless Barometer

For more information please visit www.visaeurope.com or contact us.

Latest Press Releases

  • Consumer spending off to a solid start in January

    - Consumer spending rises +1.3% on an annual basis in January
    - Strongest increases in Hotels, Restaurants & Bars (+9.7%) and Food & Drink (+4.9%)
    - Footwear & Clothing (-3.3%) spending declines for fourth month out of five

    09.02.15
  • April consumer spending growth strongest since 2010; shoppers increasing spend on fashion, food and eating out

    • Year-on-year household spending increased at the strongest rate for four years in April (+2.9%), following a slight increase in March (+0.5%).
    • Month-on-month expenditure was unchanged in April (+0.0%), following a strong rise in March (+1.4%).
    • Quarterly spending figures signalled that underlying expenditure improved in April (+1.2%), and at a similar rate to that recorded in March (+1.1%).
    • Non-seasonally adjusted year-on-year expenditure rose solidly through Online (+4.9%), Face-to-Face (+3.4%) and Mail/Telephone Order (+1.6%) categories in April.

    08.05.14
  • Spending on clothing soars at end of best quarter for consumer spending since the Olympics

    - Year-on-year household spending increased in March (+0.7%), following a slight increase in February (+0.3%).
    - Month-on-month expenditure rose solidly in March (+1.6%), following a marginal reduction in February
    (-0.3%).
    - Quarterly spending figures signalled that underlying expenditure improved in March (+1.2%), after a slight deterioration in February (-0.5%).
    - Non-seasonally adjusted year-on-year expenditure continued to rise solidly through Online spending channels (+4.0%), declined through Mail/Telephone Order categories (-2.2%), and was relatively unchanged in
    Face-to-Face categories (+0.1%).

    07.04.14
  • Household spending increases on the year in December

    - Year-on-year spending rose slightly in December (+0.6%), following the strongest annual increase for five months in November (+1.5%).

    - Quarterly spending figures signalled that underlying expenditure improved slightly in December (+0.1%), following a moderate increase in November (+1.1%).

    - Month-on-month consumer spending fell by -2.0% in December, following a slight increase in November (+1.0%).

    - Non-seasonally adjusted year-on-year expenditure increased markedly through Online spending channels (+6.8%), and slightly in Mail/Telephone Order categories (+0.3%), while Face-to-Face spending declined moderately (-1.9%).

    08.01.14
  • Household expenditure strengthens in November

    - Month-on-month consumer spending increased by +1.0% in November, following a modest decline in October (-1.4%).
    - Year-on-year spending rose at the second-strongest rate for over three years (+1.5%), following a slight increase in October (+0.5%).
    - Quarterly spending figures signalled that underlying expenditure improved at the strongest rate for seven months (+1.1%), following an increase in October (+0.8%).
    - Non-seasonally adjusted year-on-year expenditure increased across all three monitored spending channels in November: Face-to-Face (+1.3%), Online (+1.0%) and Mail/Telephone Order (+2.6%).

    05.12.13
  • Mega Monday: the UK’s busiest online shopping day cements the nation’s love of ecommerce

    - Visa Europe predicts that £450 million will be spent online as transactions top 7.7 million, making 2 December the busiest online shopping day ever
    - John Lewis has seen mobile orders more than double on a year ago, currently +114%. Within the John Lewis customer base, 42% of online traffic now comes from smartphones and tablet computers
    - The IMRG Capgemini e-retail index reveals mobile now accounts for 27% of online spend
    - Changing spending patterns suggest that this might be the last 'Mega Monday'

    25.11.13
  • Consumer spending increases on the year in October

    - Month-on-month consumer spending decreased by -1.6% in October, following a modest increase in September (+1.5%).
    - Year-on-year spending increased in October (+0.3%), following a moderate decrease in September
    (-1.2%).
    - Quarterly spending figures signalled increased expenditure in October (+0.7%), and was the first improvement in underlying expenditure since May.
    - Non-seasonally adjusted year-on-year expenditure increased through both Online (+2.9%) and Mail/Telephone Order (+6.4%) spending channels, but decreased in Face-to-Face categories (-1.7%).

    05.11.13
  • Another good month for UK consumer spending in September

    - Month-on-month consumer spending increased by +1.5% in September, little-changed from the solid rate of growth recorded in August (+1.6%).
    - Displaced consumer spending following the Olympics last year led to a reduction of year-on-year spending in September (-1.2%), following a slight increase in August (+0.8%).
    - Quarterly spending figures signalled only a slight reduction in expenditure during September, (-0.1%), as strong expenditure growth in September and August largely offset a weak July.
    - Non-seasonally adjusted year-on-year expenditure decreased through both Face-to-Face (-2.3%) and Online (-0.6%) spending channels in September, but increased slightly in Mail/Telephone Order categories (+0.3%).

    04.10.13
  • Strongest monthly rise in UK consumer spending in 2013

    - Month-on-month consumer spending increased in August (+1.6%), following a reduction of -2.4% in July. Quickest monthly increase in household expenditure since last September.
    - Year-on-year spending also increased in August (+0.8%), following a slight reduction in July (-0.1%).
    - However, quarterly spending figures signalled a reduced amount of consumer spending in August (-0.5%), following a difficult July.
    - Year-on-year expenditure increased across all three monitored spending channels in August: Face-to-Face +1.0%, Online +1.1% and Mail/Telephone Order categories +3.9%.

    05.09.13
  • Consumer spending strengthens in June

    - Month-on-month consumer spending increases for the second successive month in June (+1.1%), up from +0.7% in May.

    - Year-on-year spending increases for the fourth consecutive month in June: growth of +2.1%, up from +1.5% in May, and the strongest annual increase since October 2010.

    - Depressed spending in April has a drag effect on the quarterly spending figures which registers at -0.5% in June.

    - Consumer spending strengthens across all three expenditure channels, with a strong increase recorded in online annual spending (+2.1%).

    04.07.13

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