#1#2#3Fiscal Fourth Quarter 2022 Results and Other Highlights Fiscal fourth quarter payments volume and processed transaction growth remained strong, while cross-border volume continued to recover Returned $2.9B of capital to shareholders in the form of share repurchases and dividends The board of directors increased Visa's quarterly cash dividend 20% to $0.45 per share and authorized a new $12.0B share repurchase program ● ● ● Income Statement Summary In billions, except percentages and per share data. % change is calculated over the comparable prior-year period. Net Revenues GAAP Net Income GAAP Earnings Per Share Non-GAAP Net Income(¹) Non-GAAP Earnings Per Share(¹) (1) Refer to the Non-GAAP and Adjusted Constant-Dollar Results Footnote for further details. Key Business Drivers YoY increase / (decrease), volume in constant dollars Payments Volume Cross-Border Volume Excluding Intra-Europe (²) Cross-Border Volume Total Processed Transactions (2) Cross-border volume excluding transactions within Europe. VISA Fiscal Fourth Quarter 2022 Financial Results USD $7.8 $3.9 $1.86 $4.1 $1.93 Q4 2022 Q4 2022 10% 49% 36% 12% % Change 19% 10% 13% 16% 19% Ⓒ2022 Visa. All rights reserved. 2#4#5100% 60% 40% 20% 0% (20%) Operational Performance Metrics Monthly Growth U.S. Stimulus Payments Jan Apr Jul Total Oct Credit Debit Jan 2021 2022 U.S. Payments Volume Growth Apr Jul Oct 1-21 100% 60% 40% 20% 0% (20%) Jan Total Note: February growth rate for total U.S. payments volume would have been 9% in 2021 if the impact of February 29, 2020 was excluded. Results are calculated over the comparable prior-year period. Refer to Operational Performance Data footnote for further information on these metrics. Fiscal Fourth Quarter 2022 Financial Results VISA Card Present Apr Jul Card Not Present Oct Jan Card Not Present, Excluding Travel Apr Ⓒ2022 Visa. All rights reserved. Jul 4 Oct 1-21#6#7#8#9#10#11#12#13#14#15#16#17#18#19#20#21#22