The card payment technique can be utilised for buying online and point-of-sale. Upon checkout with online stores, the client chooses the Visa logo or button, puts the number on their card, the date it expires and CVV2; the security code at the rear side of the card, then the user completes their payment. Merchants get instant confirmation after payment. Similar to other credit cards, the Visa card is eligible for chargebacks. Thus cardholders can claim their cash in case of disputes or fraud.The merchants willing to use the Visa online can secure their card sales by utilising the “Verified by Visa” application. That is the service that confirms genuine cardholders during the time of purchase. Online merchants are capable of accepting Visa payments either through direct solutions such as Click-and-Buy and PayPal via Payment Service Providers and Visa Payment Gateways. The transactions of Visa credit cards pay a commission of 1-3% for every transaction although it differs with merchants and country.It has an array of built-in security functions which send warning messages, for instance, when the purchase amount exceeds the limit. However, credit cards and debit cards vary in their usage. To use the Visa credit card, there must be an adequate amount of money available in your account that is linked to your card. However, with debit cards, the client can use their card in making payments that go beyond the available account balance but to a pre-determined limit.