Visa was traditionally a method for consumers to make payments to businesses. But increasingly it’s also involved in person-to-person payments, business-to-business payments, business-to-consumer payments, and even some government-to-person payments. Visa itself does not issue credit cards – they are issued under license, mostly by banks. Visa processes most of the transactions and collects service and data processing fees, effectively amounting to “toll booth” charges on every Visa transaction.