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Visa (NYSE:V) has launched “Visa & Main,” a new platform aimed at supporting U.S. small businesses.
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The company is working with Lendistry on a US$100 million working capital facility for eligible entrepreneurs.
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Visa has entered a milestone partnership with UnionPay International to extend Visa Direct reach into Chinese Mainland.
Visa, a global payments network, is moving beyond card transactions into tools that support small business operations and access to funding. The “Visa & Main” launch and the US$100 million working capital facility with Lendistry focus on practical needs such as cash flow and business resilience, areas many founders cite as ongoing pressure points.
At the same time, the UnionPay International agreement opens up Visa Direct access to users in Chinese Mainland, expanding remittance and payout options for consumers and businesses. For investors, these moves highlight how Visa is using its existing network to reach new user groups and transaction types, with an emphasis on inclusion and broader relevance across geographies.
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4 things going right for Visa that this headline doesn’t cover.
For Visa, this news sits at the intersection of product expansion and network depth. Visa & Main uses the existing payments rails to pull small businesses more tightly into its ecosystem, not just as card acceptors but as borrowers, marketers and users of software tools. The Lendistry partnership gives Visa a way to support working capital needs without taking on bank-like credit risk directly, while still keeping transaction and data flows on its network. On the other side, the UnionPay International deal pushes Visa Direct further into a large remittance and payout corridor. This matters as global money movement and business-to-consumer transfers become a bigger part of the model for Visa, Mastercard and American Express.
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The UnionPay International connection supports the existing narrative that cross-border solutions and Visa Direct are important to Visa’s money-movement ambitions.
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By leaning into account-to-account style payouts and remittances, Visa is competing in areas that the narrative flags as exposed to alternative real-time and stablecoin payment rails.
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The small-business platform and working capital facility deepen Visa’s role in financing and advisory services, which is not fully reflected in a story focused mainly on card volumes and cross-border fees.