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Visa Inc. operates a retail electronic payments network. The Company facilitates global commerce through the transfer of value and information among financial institutions, merchants, consumers, businesses and government entities. Its primary customers are financial institutions, for which it provides product platforms encompassing consumer credit, debit, prepaid and commercial payments. VisaNet, its centralized, global processing platform, enables the Company to provide financial institutions and merchants with a range of product platforms, transaction processing and related value-added services. The Company owns a family of payment brands, including Visa, Visa Electron, PLUS and Interlink, which it licenses to its customers for use in their payment programs. It manages and promotes its brands through advertising, promotional and sponsorship initiatives, and by card usage and merchant acceptance.