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Visa Card Payment Integration Service

Visa is the world's No. 1 card network, accepted at over 100 million merchants in more than 200 countries. Backed by an overwhelming share of the North American and European markets, including the United States and the United Kingdom, you can accept payments from customers worldwide with a single contract.

200+ countries, 100M+ merchants,
Visa, the most widely accepted card in the world

200+ countries
Countries with merchant acceptance
Visa official
100M+
Global merchants
Visa official
233.8B+
Annual transactions processed
FY2024, Visa official
approx. 60%
Share of US card purchase volume
Industry estimate (conservative)
Service coverage
200+ countries worldwide
Network operator
Visa Inc.
Last updated
2026-09-15

Payment methods

Hecto Financial integration is provided for online (web/app) payments.

  • Online payment

    Customers enter their Visa card number at web or app checkout, or pay with one click using a saved card, for instant approval.

  • Recurring/subscription payment

    Saved card data (network tokens) can be used to automatically approve recurring charges such as subscriptions and memberships, making it suitable for subscription-based services and SaaS businesses.

Onboarding process

A simple flow completed quickly with just PG integration

  1. 01
    Merchant application

    Apply easily online through Hecto Financial.

  2. 02
    Review and contract

    The contract is signed after merchant information is verified.

  3. 03
    PG integration

    Visa payments are integrated into your website or app checkout.

  4. 04
    Start accepting payments

    Once integration is complete, you can immediately accept Visa card payments worldwide.

Why adopt Visa

The world's largest card network under a single contract

  • Accepted in 200+ countries worldwide

    As the world's largest card network, usable at over 100 million merchants, it lets you broadly accept payments from overseas customers.

  • Overwhelming share in North America and Europe

    Visa processes more than half of US card purchase volume and is the standard for debit cards in the UK, making it especially advantageous for payments from Western customers.

  • Online security with 3-D Secure and tokenization

    Based on EMV 3-D Secure, the international standard for online payment authentication, and network tokenization, it lowers the risk of fraud in card-not-present transactions.

  • Single domestic contract, settlement in 3 currencies

    Adopt Visa with a single contract as a Korean entity, without needing an overseas entity or overseas bank account, and receive settlement in USD, KRW, or JPY as selected in your contract.

Key markets

Representative countries by region where Visa is especially strong

  • North America

    United States · Canada

  • Europe

    United Kingdom · France · Germany · Spain

  • Asia-Pacific

    Australia · India · Singapore

  • Latin America

    Brazil · Mexico

Customer segments you can newly capture

  • Cross-border shoppers

    Customers who enjoy shopping directly from overseas can pay with the Visa card they already use

  • Western travelers and buyers

    Broadly capture travelers and buyers from countries with high Visa share, such as the United States and Europe

  • Online subscription and recurring-payment customers

    Cover business customers that need recurring billing, such as overseas SaaS and subscription services

Frequently asked questions

Key information about adopting Visa card payments

QCan I adopt Visa card payments without an overseas entity?
Yes. Integrating through Hecto Financial lets you adopt Visa card payments without an overseas entity or overseas bank account.
QHow is Visa different from other card networks?
Visa is the world's largest card network, accepted at over 100 million merchants in more than 200 countries. It holds an overwhelming share of the North American and European markets, including the United States and the United Kingdom, making it the most widely used option for payments from Western customers.
QHow much is the payment fee?
Merchant fees vary depending on the transaction country, payment type (domestic vs. overseas), and payment gateway contract, and are generally set at typical international card payment fee levels. When integrating through Hecto Financial, fees are negotiated separately based on transaction volume.
QCan an online-only store also adopt this?
Yes. Hecto Financial's global payment service is provided for online (web/app) payments, so you can adopt it even if you only operate online sales channels such as your own store, an open marketplace, or a mobile app. It integrates into web and app checkout via a payment window or API.
QWhat currency is used for settlement?
Customers pay in the currency linked to their card, and after Hecto Financial receives and converts the overseas payment funds, settlement to the Korean merchant is made in USD, KRW, or JPY as selected in the contract. The settlement cycle and exchange rate basis follow the contract terms.
QCan I integrate other card networks (Mastercard, JCB, etc.) as well?
Yes. In addition to Visa, Hecto Financial supports major global card networks such as Mastercard, American Express, UnionPay, JCB, and Diners Club, and can also manage various country-specific local payment methods such as PayPay and Rakuten Pay under a single integrated contract.

Inquire about Visa payment integration

Hecto Financial's global payment specialist team supports the entire process from integration to settlement.

Contact us