The largest payment systems at the moment are MasterCard and Visa, where they account for about 26% payment cards of the world, and on Visa - 57% . MasterCard and Visa, as well as the differences between them, will be discussed today.
- VISA. Initially (from 1958 to 1976) Visa was called BankAmericard, but as it developed, it was necessary to change the name to a neutral one. There were many options for renaming, but the developers decided to call it Visa - in the translation "registration / visa / registration" and in 1976 the card was issued with a new logo.
- Payment system Interbank Card Association first appeared in the USA in 1966, as a result of an agreement between several American banks. And only in 1979 it received the name by which it is known to the present moment - MasterCard Worldwide.
| Visa | Electron |
| classic | |
| Gold | |
| Platinum | |
| Maestro | |
| standard | |
| Gold | |
| Platinum |
Comparison of Visa Electron and MasterCard Maestro
Visa Electron and MasterCard Maestro are entry-level international cards that allow for a minimal fee (up to 200 rubles / year), and in some cases - for free ( depending on the bank chosen by the client), receive the necessary minimum range of services, including:
- Non-cash payments for goods and services;
- Non-cash money transfers without the help of an operator;
- Round-the-clock access to the account, with the possibility of its management;
Visa Electron and MasterCard Maestro are most often used as payroll and their main function is to store cash.
The functionality of Visa Electron and MasterCard Maestro cards is limited - for example, with MasterCard Maestro it is not possible to pay for orders via the Internet, while Visa Electron - the availability of this option depends on the bank that provides the card. But, even if the card function includes the ability to pay online, it is not recommended to do this, since it is quite difficult to protest the transactions and the money is credited to the seller's account immediately after the transaction is approved.
If we talk about the appearance of the cards, then they are not personalized ( nameless). In addition, there are no raised elements on the front side of the card indicating the card number ( it is applied by pressing), which limits their use in devices that require a card imprint.
Difference between Visa Classic and MasterCard Standard
Visa Classic and MasterCard Standard are universal cards that have a standard set of features. With the help of these cards it is possible to pay for purchases in stores or on the Internet. In addition, these cards can be used both on the territory of Russia and other countries. For most people, the features that these cards provide are enough - that's why they are the most common among the population. This segment includes debit and credit cards.
On average, the cost of annual maintenance of such cards is 300 rubles, which is an order of magnitude lower than Gold and Premium.
Comparison of MasterCard Gold and Visa Gold
MasterCard Gold and Visa Gold are primarily used to emphasize the status of their holder. Most often they are in demand by citizens who regularly travel abroad. The cost of annual maintenance is 3-5 thousand rubles, which is much more expensive than other types of cards.
Additional levels of protection, compared to other cards, are not provided for either MasterCard Gold or Visa Gold - despite the rather high cost. However, some banks offer cardholders specialized premium programs, as well as discounts and bonuses, for example:
- Opportunity to receive cash in subsidiary banks abroad without charging additional fees;
- Receiving discounts from bank partners when paying for: purchases, services in beauty salons, accommodation in hotels and inns, cafes and restaurants. In addition, it is possible to purchase travel vouchers from a bank partner with a discount of up to 5%;
- Invitations to various cultural VIP events and closed sales;
- The possibility of emergency cash receipt if the cardholder has lost it.
In addition, the price includes a standard set of services - Internet banking, SMS banking, SMS notification.
Difference between MasterCard Platinum and Visa Platinum
MasterCard Platinum and Visa Platinum are premium-class credit cards, just like Gold, they are primarily designed to emphasize the wealth of the owner. The cost of servicing the card averages from 5 to 10 thousand rubles per month. In addition to the status, the Platinum card gives its owner the following benefits:
- Exclusive service;
- Increased level of service around the world;
- Receiving discounts when using the services of bank partners;
- The ability to receive bonuses and make payments with them - including when buying tickets;
- Possibility of emergency cash withdrawal in case of loss of the card;
- Just like Gold, the ability to receive funds without paying additional fees;
In addition, the Platinum cardholder receives the maximum package of services from the bank itself, which includes:
- SMS banking,
- Internet banking,
- SMS notification.
In connection with the above, we can conclude that if the cardholder only needs to use it for purchases and its prestige is not important, then Visa Electron and MasterCard Maestro will be the most economical option.
If the client plans to use the card when making purchases not only in stores, but also via the Internet, as well as using Internet banking services, while not spending a large amount of money on servicing, then it is recommended to choose between Visa Classic and MasterCard Standard.
If we are talking about prestige and a large number of functions, then the choice should be stopped at MasterCard Platinum or Visa Platinum.
What to choose - Visa or MasterCard
There is an opinion that Visa is an American payment system, and MasterCard is European, but thanks to globalization, they have long become international. For understanding, both maps are American and their main headquarters are in the USA. The shares of these companies are also traded on the New York Stock Exchange:
In order to decide which of the presented systems is better, you need to consider the differences between them, as well as their pros and cons.
Safety
When using a MasterCard payment system card, you need to enter a pin code in any case - regardless of the amount of the transaction, while when using Visa, when paying for small amounts, entering a pin code is not required.
Thus, the likelihood that unauthorized persons with MasterCard will be able to use it if the card is lost is much lower. Of course, for the majority of citizens, the security of their money plays an important role - that is why they prefer to use MasterCard.
In addition, when choosing a card, you should pay attention to the presence of chips and magnetic stripes on it - on which information about the card and its owner is encoded. On the chip, unlike the magnetic stripe, much more information is applied and it is subjected to more complex encryption - which is why it is much more difficult to copy information from it. MasterCard Maestro and Visa Electron only have a magnetic strip, which makes them more vulnerable. But starting with Visa Classic and MasterCard Standard (in some cases MasterCard Gold and Visa Gold - depending on the bank), the cards are already equipped with a chip.
- By the way, you can - read how and where to do it in our separate article.
Free legal and medical assistance
Visa cardholders can benefit from free medical and legal assistance. But, it is important to know that not all banks in our country have the opportunity to offer their customers such privileges. That is why this issue needs to be clarified in the selected bank. MasterCard does not provide such an opportunity to its customers - regardless of the bank.
Place of use
One of the decisive roles when choosing a Visa or MasterCard is played by the place where it is planned to use the card:
- Visa makes it possible to make the necessary payments in dollars;
- With Mastercard, you can make payments not only in dollars, but also in euros.
When paying in rubles on the territory of the Russian Federation, the difference between these payment systems is of no fundamental importance. However, when traveling abroad, this difference becomes noticeable.
Examples of conversions in different countries:
Germany
In Germany, payment for purchases is made in EUR:
Visa: RUB - USD - EUR;
MasterCard: RUB - EUR;
In Germany, it is much more profitable to use MasterCard - 1 conversion.
France
In France, the account is in euros, purchases are also settled in euros.
Visa: EUR - USD - EUR;
MasterCard: RUB - EUR;
The example shows that in France it is also much more profitable to use MasterCard than Visa, since in the latter case the funds will be subject to double conversion.
USD account
MasterCard: USD - EUR - USD;
In the USA, unlike France and Germany, it is more profitable to use Visa, since there is no conversion.
From the above examples, we can conclude the following:
Using MasterCard in Europe is more profitable. When traveling to the USA, on the contrary, it will be much more expedient to use the Visa payment system, since it has one conversion - into dollars.
Tariffs
It is important to remember that the tariffs for using cards in each bank are different. That is why, before making the final choice, it is recommended to clarify the following information:
- The cost of issuing a card;
- Maintenance cost (per year);
- Cash withdrawal limit;
- Conversion fee;
- The amount of the commission for withdrawing cash from ATMs of your bank;
- The amount of commission for withdrawing cash from ATMs of other banks. Some banks have a partnership agreement with some banks when withdrawing money from which no commission is charged;
- The cost of issuing a new card in case of loss;
- The cost of connecting additional services.
Bonuses
Both MasterCard and Visa offer various discounts and bonuses to their customers, for example, cardholders Visa Electron and Visa Classic can receive the following discounts:
- online store PUMA 10%;
- network of fitness clubs "Planet Fitness" 35%;
- Litres 10%;
- network of entertainment centers "Planet Bowling" 20%;
- and others.
In addition, Visa Electron and Visa Classic holders can receive gifts and/or bonuses from the jewelry brand SUNLIGHT and GetTaxi.
MasterCard cardholders also have the opportunity to take advantage of the discount in the following companies:
- "Coffee House" 10%;
- Kinohod 10%;
- "Formula Kino" 10%;
- and others.
Also, customers of the MasterCard payment system can get a 50% discount on Wi-Fi on board the aircraft by paying for the service. Transaero Connect.
Instead of output
In connection with the foregoing, the following conclusion can be drawn - if you plan to use the card exclusively on the territory of Russia, then there is no financial difference, but when it comes to traveling abroad, it is important to take into account conversions and choose a card and a currency account with minimal conversions.
Do not forget about security - the MasterCard system pays more attention to this issue than Visa. But if the cardholderIf you care about the opportunity to use free legal and medical assistance, then only Visa can provide this type of service.
Which card to choose depends on your individual needs. It is important to remember that the functions provided, as well as the cost of servicing in different banks, are different - that is why, before making a final choice, it is recommended that you familiarize yourself with the offers of several credit institutions in order to choose the best option.
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When applying for a bank card, managers often ask which payment system the client prefers - Visa or Mastercard? This question baffles many - the differences between them are not obvious. However, it is still worth knowing about them, Komsomolskaya Pravda reports.
On the territory of Kazakhstan, any of these cards is equally convenient to use: as a rule, if you can pay with Visa somewhere, Mastercard is also accepted there. But the homeland of these systems is different, and this factor should be taken into account when traveling abroad. There are other interesting details as well.
Visa and Mastercard cards: what do the statistics say?
Before you start comparing Visa and Mastercard, you need to understand what a payment system is. So, a payment system is a service for transferring money in electronic form, carried out according to a set of rules, and using software, hardware and technical means. Payment systems are local, that is, operating in one country or even within a separate segment of the national market, and international. Visa and Mastercard are among the latter, moreover, they are the most famous and common. Both of them allow you to withdraw cash from ATMs, as well as pay for purchases and services - both in regular retail outlets and on the Internet.
The visa is from the USA. Today, this American payment system, founded in 1970, is used in 200 countries around the world. Without exaggeration, the Visa system can be called one of the market leaders - it "owns" 30% of all bank cards in the world. The main currency for the Visa is dollars. That is why it is better to use a Visa card in the USA - in this case, the conversion rate will be more profitable.
The headquarters of Mastercard is also located in the USA, but this system has a base currency of operations - the euro. Therefore, when going on a trip to Europe, it is better to take a Mastercard card with you. The conversion will always depend on where you are - in America it will be done through the dollar, in the Eurozone - through the euro. The Mastercard system is represented in 210 countries, but its coverage is still slightly less than that of Visa - only about 16% of all bank cards bear its logo. However, in recent years this gap has begun to narrow.
It's important to know. If you are going to the USA, Canada, Southeast Asian countries, Mexico, Australia, Dominican Republic or Latin American countries, then it is better to opt for a Visa card. In Europe and Africa, it is more profitable to use Mastercard. In China and the ROK, there are practically no differences between these systems. But when you are going to Cuba, take an interest in the latest trends: if the dollar was not in honor there before, then the opening of the American embassy and the improvement of relations between the two countries can change something. In addition, not all ATMs in Cuba work with both payment systems. In the tourist places of Havana, it is easier for Visa holders, since tourists from Canada often come here and continue to come.
What is the difference between a Visa card and a Mastercard?
By themselves, bank cards, regardless of the payment system, are of different types, this is also worth considering.
Electronic cards
In this category, Visa offers the Visa Electron card, while Mastercard offers Maestro and Mastercard Electronic. This is the simplest and cheapest type of cards, the use of which is associated with some restrictions. With their help, you can withdraw money from ATMs and pay wherever there are payment terminals. But they do not allow you to make purchases on the Internet - at least, Maestro and Mastercard Electronic. Visa Electron can sometimes be used for online purchases, but this capability is set by the card issuing bank - some provide it, others do not. Abroad, electronic cards are not accepted everywhere, since the owner's name is not squeezed out on them, but simply printed, while imprinters widely used all over the world (devices for accepting payments without a terminal) require volumetric letters.
Classic cards
This is the most common type of cards with a low maintenance cost and wide functionality. Visa offers customers Visa Classic and Visa Business cards, and Mastercard - Mastercard Standard. Such cards allow you to withdraw cash from ATMs, pay for goods and services using payment terminals at retail outlets, and make purchases in online stores. When paying for purchases on the Internet, Visa uses the CVV2 code, and MasterCard uses CVC2.
Premium cards
Both systems issue premium-level cards: Visa Gold and Visa Platinum - from Visa, Mastercard Gold and Mastercard Platinum - from Mastercard. Such cards are not just a payment instrument, but a status symbol that emphasizes the wealth of the owner. Gold and Platinum cards provide the right to a number of additional services - for example, free insurance during foreign trips, discounts when renting a car abroad, the opportunity to participate in discount programs of payment systems and receive exclusive discounts from bank partners. In addition, the holder of a Visa Platinum card and above receives a special priority line of communication with the bank, the ability to quickly receive cash in case of loss of the card, and sometimes a personal manager. It is worth noting that the range of services for Visa is not limited to this - the system also provides its especially important clients with legal and medical assistance abroad, concierge services, and so on. It would seem that Visa clearly wins in the premium segment, but do not rush to make a decision. In addition to the service offered by the payment system, there are also special services of the issuing bank. And often the functionality of the card is supplemented by various offers from the bank itself, so that in the end Visa and Mastercard will be equal in convenience. It is also worth mentioning the international program of discounts and privileges Mastercard Priceless Cities (“Priceless Cities”), launched in 2011. Today, the status of "priceless city" has a number of large cities: London, Singapore, Sydney, Beijing, Toronto, Moscow and others. The main idea of the program is a personal approach to the interests of each cardholder. The program is developed in partnership with the best museums, restaurants and recreational facilities, which allows cardholders to enjoy unique offers, discounts and other privileges provided by program partners.
Credit and debit cards
Cards of both payment systems can be either debit (the client uses only his own funds) or credit (the client uses the bank's money and repays the loan monthly). There is also an intermediate option - debit cards with an overdraft. In this case, the cardholder uses his own money, but if necessary, he can go into the red and use borrowed funds. Credit cards have a credit limit, as well as a daily spending limit; Visa Classic, Visa Business and Mastercard Standard have it lower than premium Visa Gold, Visa Platinum, Mastercard Gold and Mastercard Platinum.
Which card is better?
So which payment system to choose? Let's try to compare both. Coverage of countries: 200 - for Visa versus 210 - for Mastercard. Mastercard wins. Prevalence: on a global scale, Visa is more common than Mastercard - 29% of all cards belong to the first system, 16% to the second. Visa won. Prevalence in the Republic of Kazakhstan: a year earlier, there were 2.8 times more Visa owners than MasterCard - 10.6 million against 3.8, respectively. And in this parameter, Visa wins. Payment options: Visa cards are accepted by more than 20 million companies worldwide. Mastercard has an even higher figure - 30 million outlets. Victory for Mastercard. Online shopping: Both systems enable you to securely pay for goods and services online. Draw. Security: cards of both payment systems have comparable security parameters. Visa uses the Visa Money Transfer service (to transfer money from a Visa card to a Visa card and to transfer cash to a Visa card through an ATM/terminal). A similar Mastercard MoneySend service is also used by a number of banks, although it is less common. In addition, Visa supports the additional security system Verified by Visa.
When applying for a new card at the bank, you will probably be asked to choose a payment system. And this question confuses many ordinary people, do not everyone know how a Visa differs from a Mastercard? Let's try to figure out what is what and which system should be chosen.
general information
Today, both payment systems have been successfully distributed around the world. MasterCard is a European payment system, while Visa is an American one. If someone tells you that the main difference between a Visa card and a Mastercard is reliability, do not believe it. Both systems work without major failures, all operations are performed at the same speed around the world. But keep in mind that not all cards issued by Russian banks work outside of our country. Checking this is very simple, look at your plastic rectangle. If the inscriptions on it are embossed, your card will work abroad, but the symbols applied with paint or pressed in indicate the possibility of using a payment instrument exclusively on the territory of the Russian Federation. This is not always a bad thing, if you rarely travel and most often use the card in Russia, one of the lower types that works only in your homeland will do. Cheap service will be a tangible plus.
What is the difference between a Visa and a Mastercard when making payments abroad?
It is more convenient to travel to European countries with MasterCard. When withdrawing cash or paying for services, monetary units will be automatically converted into euros, at the rate of your bank and with a minimum commission. Let's imagine that you and Mastercard decide to visit the USA. American dollars are in use everywhere, and we have a ruble account. Since the payment system is European, monetary units will first be converted into euros and only then into dollars. The operation will not take much time, but imagine the size of the commission. For Visa, the situation looks similar, it is more profitable to pay with cards of this system in the USA than in Europe. What is the difference between a Visa and a Mastercard besides this? When converting OIF, Visa removes a commission, only 1.5%, but Mastercard does not have such a commission at all.
Other card differences and special perks
You will notice the difference between a Visa and a MasterCard with the simplest cards. For example, it does not require you to enter a secret code to write off insignificant amounts from your account, while all MasterCard cards carry out the operation only after entering the pin code. Plus or minus it is up to you, but remember that a secret password is the protection of your financial resources. On the other hand, if you suddenly forget the pin code, you will have to change the card. For holders of higher category cards, the Visa offers special benefits, such as free medical or legal assistance. Mastercard cannot boast of such services. But keep in mind that not all banks offer these privileges in Russia, the cost of servicing the card itself is quite high.
Now you know the difference between Visa and Mastercard, choose according to your needs and taste. And remember that if you choose a card of an average or lower type for use on the territory of our country, you most likely will not notice the difference between the two payment systems.
International systems Visa and MasterCard occupy the leading positions in the market of payment systems in Russia. Their main task is to transfer cash payments to non-cash ones and increase their security. In Russia, IPS Visa occupies about 45% of the market, and IPS MasterCard about 49%. At first glance, these payment systems are the same, but still there are differences between them. What is the difference between a Mastercard and a Visa is described in this article.
IPU Visa has American roots and is developed and maintained by VISA Int. The company is not financial, it supplies technologies for making payments and ensuring their security. The main technology is Visa Pay Wave. The share of Visa plastic emission in the world is about 28.5%. To a greater extent, it is trusted in the USA, Canada, Mexico and less in the countries of Southeast Asia (India, China, Thailand).
The company entered the Russian market in 2009. She developed a method for ensuring the security of transactions VISA 3-D Secure. Working to improve the security of payments, the company aims to simplify the handling of plastic when shopping online. MPS Visa cooperates with all Russian banks.
Visa MPS conducts payment transactions all over the world, spending no more than 1.4 seconds for each of them. With each payment, about a hundred different parameters are checked and evaluated. More than 15 thousand banks from different countries are connected to it. The base currency of Visa is dollars.
Visa System Security
The buyer, the seller, the issuing bank and the acquiring bank that controls the payments are involved in making payments. Visa security includes three independent areas:
- Issuer. It includes tools for accepting and making payments, sellers.
- Acquirer (a financial institution that produces plastic, as well as its holders).
- Interactions. It includes elements that ensure the effective interaction of all areas.
When transferring money between card accounts, replenishing an account in cash at ATMs, the Visa Money Transfer service is used for security. Additional service Verified by Visa is supported. For small amounts of non-cash transfers, you do not need to enter a PIN code.
Payment system Mastercard
Representative office of MasterCard Inc. also located in the USA. MPS Mastercard unites more than 20 thousand banks in 210 countries of the world. The priority directions of its development are:
- plastic emission under the brands Cirus, Maestro, MasterCard
- online electronic payments
- ensuring the demand of individuals and legal entities for banking services
In the plastic market, Mastercard's share is 25%. Over 25 billion transactions pass through it every year. Mastercard is more popular in the EU countries, China and Brazil. Less credible in North America. In all cases of payments, a PIN code is required. In Russia, Mastercard cooperates with Sberbank, VTB, Russian Standard and other credit organizations. The base currency of the Master Card is the euro.
There is no fundamental difference in technologies between these MPS. Visa provides payments in dollars and rubles, and Mastercard - in euros and rubles. When traveling to Europe, it is recommended to issue a Master Card, and when traveling to the USA, a Visa. If you do the opposite, then when paying in dollars, the money from the ruble account of the MasterCard card will be first converted into euros, and then into dollars. A commission is charged for each conversion. The same will happen when paying in euros with a Visa card: rubles are converted into dollars, and then into euros with the corresponding commission. For its holders, this is an additional cost.
In terms of payment reliability, both MPS are the same, although it is believed that Visa is more reliable.
Parameters of Visa and MasterCard payment systems
| No. p.p. | Options for comparing payment systems | Visa | MasterCard |
| 1. | Country of creation | USA | USA |
| 2. | Coverage of the global plastic emission market | 28,6% | 25% |
| 3. | Coverage of the plastic market in Russia | 45% (80 partner banks) | 49% (100 partner banks) |
| 4. | Number of countries using the system | 200 | 210 |
| 5. | Possibility of contactless payment | paywave | paypass |
| 6. | Codes used in electronic payments | CVV2 | CVC2 |
| 7. | Types of produced plastic | debit, credit, co-branded | same |
| 8. | The speed of operations | about 1.4 sec | the same |
| 9. | Payment security level | high | high |
| 10. | Internet payment security technology | VerifiedByVisa | Secure Code |
| 11. | Service fee | banks establish themselves | different banks have different |
| 12. | Virtual cards | there is | there is |
| 13. | Payments from card account to card account (P2P) | since 2013 (Personal Payments) | since 2015 (MoneySend) |
| 14. | Countries of predominant use of the MEA | USA, Latin America, Canada, Australia, Thailand | Europe, Brazil, China |
| 15. | Issuance of mini-format cards | releases | releases |
| 16. | Loyalty programs for any plastic holders | 5-10% discounts for partner companies, which are more than 50 organizations. | MasterCard Rewards program: accrual of bonuses and their exchange for gifts, discounts |
Electronic cards
These are entry-level cards: Visa Electron, MasterCard Electronic, Maestro, MasterCard Unebossed, as a rule, salary or pension cards. Their popularity is due to the low cost of maintenance (within 5-10 dollars per year or free of charge). They pay in stores, withdraw cash.
They are not accepted for payments in online stores and abroad. This is due to the fact that the plastic is not embossed with the owner's name for identification. There are some differences: when paying for a Visa, you do not need to enter a PIN code, but with the Maestro it is required. In practice, everything is determined by the type of payment terminal.
Classic cards
The classic (middle level) include MasterCard Standart, Visa Classic, Visa Business. They are also widely used by bank customers. Embossing the owner's name makes them multifunctional and versatile. They pay for online purchases. Special codes are applied to this plastic. The disadvantages include the relatively high cost of maintenance (15-25 dollars per year). The difference between payment systems for this category of cards is in payments on the Internet: for Visa, the option is connected at the discretion of the bank, while for MasterCard this function is available only to unembossed plastic holders.
Premium cards
In the premium family of cards (Gold, Platinum, Premium), there are more differences between the systems. They offer holders of this class of plastic different sets of additional services. MasterCard has developed a partner loyalty program, emergency assistance in case of card loss. At Visa, the range of additional services has been expanded: legal advice, medical assistance by phone, booking tickets and tables in restaurants, etc. For servicing cards, they charge from three to ten thousand rubles. in year.
Which card is better in Russia
In Russia, electronic and classic cards differ little, so any MPS will do. ATMs also serve them equally. Holders of premium-level plastic choose a payment system whose offers and programs are more profitable for them.
Sberbank products
Sberbank is actively cooperating with Visa and MasterCard, but in the debit card offers it is mainly Visa (premium, classic, entry-level). MasterCard offers young clients under the age of 25. The family of credit cards includes gold and classic MasterCard, the rest are Visa. Sberbank still prefers the Visa system, although they do not have significant differences in the territory of the Russian Federation.
Which card to choose for a trip abroad
When traveling abroad, the base currency of the Visa and MasterCard systems is important in order to avoid the double conversion procedure. With a ruble card account, payment for purchases in dollars or euros will be after conversion at the rate of the issuing bank and the corresponding commission.
To Europe
When traveling to Europe, MasterCard cards have advantages, since the conversion of rubles will be into euros.
IN THE USA
When traveling to the United States, it is advisable to choose the Visa system. In it, the conversion of the ruble will be immediately into dollars. If you take a MasterCard, then the rubles will first be converted into euros at the bank's rate, and then at the rate of the same bank, euros into dollars. With each conversion, the bank will remove the commission.
Summing up, we can conclude that for those who live and work in Russia, there is no difference between the two payment systems for entry-level and mid-level services. Premium card holders will choose for themselves the one whose loyalty program suits them best. For those who travel around the world, it is better to have the plastic of these two systems.
Video: VISA or MasterCard? There's an answer!
