Visa Europe is a payments technology business owned and operated by member banks and other payment service providers from 38 countries. Visa Europe is at the heart of the payments ecosystem providing the services and infrastructure to enable millions of European consumers, businesses and governments to make electronic payments. Its members are responsible for issuing cards, signing up retailers and deciding cardholder and retailer fees. Visa Europe is also the largest transaction processor in Europe, responsible for processing more than 18 billion transactions annually. Visa Europe works in partnership with Visa Inc. to enable global Visa payments in more than 200 countries and territories.