Visa+ 揭幕：跨平台支付名彻底改变点对点支付

Visa+ 于 2022 年 4 月推出，旨在弥合点对点支付应用程序之间的差距，支持向 Venmo 和 PayPal 等参与的数字钱包进行实时付款。该服务允许用户设置连接到 Visa 令牌的唯一 Visa+ 支付名，确保隐私和安全。 Visa+ 解决了支付系统的碎片化问题，为 B2C 支付流程提供互操作性，并使企业能够实时支付资金。 Visa+ 计划在 2024 年通过与 Astra、Brightwell、Cross River Bank 和 Fiserv 的合作进行扩张，旨在推动电子工资获取解决方案的采用，并增强数字支付领域的整体消费者体验。

Visa+ Service Unveiled: Revolutionizing Peer-to-Peer Payments with Cross-Platform Interoperability

Visa+ 服务推出：通过跨平台互操作性彻底改变点对点支付

In a groundbreaking move, Visa has introduced Visa+, a transformative service that bridges the gap between disparate payment apps, enabling real-time payouts to participating digital wallets. Building on its initial plans, Visa+ has officially launched its consumer service with inaugural partners PayPal, Venmo, and DailyPay.

Visa 推出了一项突破性举措 Visa+，这是一项变革性服务，可弥合不同支付应用程序之间的差距，实现向参与的数字钱包实时付款。在其最初计划的基础上，Visa+ 已与首批合作伙伴 PayPal、Venmo 和 DailyPay 正式推出消费者服务。

Seamless Cross-Platform Transactions: The Power of Visa+

无缝跨平台交易：Visa+ 的力量

Visa+ empowers consumers to seamlessly send and receive payments across different payment platforms without the limitations of traditional payment systems. To facilitate this interoperability, participating wallets introduce a simplified user flow, allowing eligible consumers to establish unique Visa+ paynames. These paynames are linked to a Visa token, ensuring secure and efficient transactions.

Visa+ 使消费者能够跨不同支付平台无缝发送和接收付款，而不受传统支付系统的限制。为了促进这种互操作性，参与的钱包引入了简化的用户流程，允许符合条件的消费者建立独特的 Visa+ 支付名。这些支付名与 Visa 令牌相关联，确保交易安全高效。

To initiate a payment, senders simply enter the recipient's Visa+ payname in their participating wallet app. The sending wallet then queries the Visa+ service, matching the payname to the underlying Visa token. Subsequently, the funds are pushed directly into the recipient's Visa+ linked account, completing the transaction in real time.

要发起付款，发件人只需在其参与的钱包应用程序中输入收件人的 Visa+ 付款名即可。然后，发送钱包查询 Visa+ 服务，将付款名与基础 Visa 代币进行匹配。随后，资金直接存入收款人的 Visa+ 关联账户，实时完成交易。

Privacy and Security: The Cornerstones of Visa+

隐私和安全：Visa+ 的基石

Visa+ prioritizes consumer privacy and security through its innovative paynames. Unlike traditional payment systems that require users to share sensitive information such as phone numbers or emails, Visa+ eliminates the need for such data exchange. Paynames serve as unique identifiers, protecting user data and reducing the risk of fraud.

Visa+ 通过其创新的支付名称优先考虑消费者的隐私和安全。与要求用户共享电话号码或电子邮件等敏感信息的传统支付系统不同，Visa+ 消除了此类数据交换的需要。付款名充当唯一标识符，保护用户数据并降低欺诈风险。

Furthermore, Visa+ employs multi-layered risk controls, including mandatory KYC screening and tokenization. KYC screening ensures that eligible consumers are thoroughly verified before issuing Visa+ paynames, while tokenization safeguards user account information, preventing unauthorized access.

此外，Visa+ 采用多层风险控制，包括强制性 KYC 筛选和标记化。 KYC 筛选可确保符合资格的消费者在发放 Visa+ 付款名之前得到彻底验证，而标记化可保护用户帐户信息，防止未经授权的访问。

Driving Consumer Preference: The Rise of Peer-to-Peer Payments

推动消费者偏好：点对点支付的兴起

In recent years, consumer payment preferences have undergone a profound shift, with peer-to-peer (P2P) payments gaining significant traction. In the US alone, P2P payment volume soared to an estimated $993 billion in 2023, fueled by the widespread adoption of smartphones and the growing popularity of online commerce.

近年来，消费者的支付偏好发生了深刻的转变，点对点（P2P）支付获得了显着的吸引力。仅在美国，由于智能手机的广泛采用和在线商务的日益普及，P2P 支付额预计在 2023 年飙升至 9,930 亿美元。

Younger Americans, in particular, have embraced P2P payment apps like Venmo, Zelle, PayPal, and Cash App, drawn by the convenience, rewards, and loyalty programs offered by these platforms. Nearly half of US adults using P2P apps regularly rely on them for splitting expenses and managing everyday financial needs.

尤其是年轻的美国年轻人，受到这些平台提供的便利、奖励和忠诚度计划的吸引，已经接受了 Venmo、Zelle、PayPal 和 Cash App 等 P2P 支付应用程序。近一半使用 P2P 应用程序的美国成年人经常依靠它们来分摊开支和管理日常财务需求。

Visa+: Bridging the Interoperability Gap

Visa+：弥合互操作性差距

Despite the popularity of P2P apps, a notable absence of widely available solutions hindered real-time transactions between users of different payment systems, such as transferring funds between Venmo and PayPal. This gap prompted the launch of Visa+, a service designed to address this fragmentation and promote standardization across diverse payment systems.

尽管 P2P 应用程序很受欢迎，但广泛可用的解决方案的明显缺乏阻碍了不同支付系统的用户之间的实时交易，例如在 Venmo 和 PayPal 之间转移资金。这一差距促使 Visa+ 的推出，该服务旨在解决这种碎片化问题并促进不同支付系统的标准化。

By expanding its reach through partnerships with enablers such as DailyPay, Astra, Brightwell, Cross River Bank, and Fiserv, Visa+ aims to deepen its footprint with end-customers and offer a comprehensive range of payment functionalities. These include real-time business-to-consumer disbursements, streamlined transaction processing, and fraud management capabilities.

通过与 DailyPay、Astra、Brightwell、Cross River Bank 和 Fiserv 等推动者合作扩大其影响力，Visa+ 旨在加深其与最终客户的联系，并提供全面的支付功能。其中包括实时企业对消费者支付、简化的交易处理和欺诈管理功能。

Beyond P2P: Visa+ Enhances Business Transactions

超越 P2P：Visa+ 增强商业交易

Visa+ not only enhances consumer experiences in P2P transactions but also extends cross-platform interoperability to business-to-consumer (B2C) payment flows through its APIs. This integration simplifies operations for wallets, neobanks, fintechs, gig platforms, and other payout providers. By eliminating the need for multiple individual agreements typically required in closed-loop P2P ecosystems, Visa+ streamlines the process, reducing complexity and improving efficiency.

Visa+不仅增强了消费者在P2P交易中的体验，还通过其API将跨平台互操作性扩展到企业对消费者（B2C）支付流程。这种集成简化了钱包、新银行、金融科技、零工平台和其他支付提供商的运营。通过消除闭环 P2P 生态系统通常需要的多个单独协议的需要，Visa+ 简化了流程，降低了复杂性并提高了效率。

Expansion and Future Roadmap: Visa+ Poised for Global Reach

扩张和未来路线图：Visa+ 蓄势待发，触达全球

Visa+ is poised for global expansion, with plans to extend its services beyond the US and support cross-border use cases. The service will continue to evolve, with additional features and improvements planned to enhance its functionality and meet the growing demands of consumers and businesses alike.

Visa+ 已做好全球扩张的准备，计划将其服务扩展到美国以外并支持跨境用例。该服务将继续发展，计划提供更多功能和改进，以增强其功能并满足消费者和企业不断增长的需求。

Visa+: A Catalyst for Digital Payment Transformation

Visa+：数字支付转型的催化剂

Visa+ represents a significant leap forward in the digital payment landscape. Its innovative approach to cross-platform interoperability, robust security features, and extensive reach through partnerships position it as a driving force in shaping the future of payments. As Visa+ expands its scope and capabilities, it has the potential to revolutionize the way consumers and businesses transact, fostering seamless, secure, and efficient payment experiences on a global scale.

Visa+ 代表了数字支付领域的重大飞跃。其跨平台互操作性的创新方法、强大的安全功能以及通过合作伙伴关系实现的广泛影响力使其成为塑造支付未来的驱动力。随着 Visa+ 扩大其范围和功能，它有可能彻底改变消费者和企业的交易方式，在全球范围内促进无缝、安全和高效的支付体验。