Financial Services / Banking

Visa Inc. sustainability score: 51/100

51/100
Making progress-2 since last review
Joint 7th of 61 in Financial Services / Banking

Better than 88% of Financial Services / Banking

Leading practice starts at 60. The highest score on SINK is 71.

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About Visa Inc.

Visa Inc. is a global digital payments network processing card transactions across merchants and financial institutions. Founded in 1958 and headquartered in San Francisco, it forms a de facto duopoly with Mastercard controlling card payment infrastructure across developed and emerging markets, with 31,600 employees and $40 billion in annual revenue.

Founded 1958Head office San Francisco, United StatesStaff ~31,600 (2024)Revenue 40,000,000,000 USD (FY2025)Website ↗

Read Visa Inc.'s own report ↗

Our verdict

Visa operates a global payments duopoly enabling fossil-fuel commerce at scale without restriction, despite having SBTi-approved climate targets and 100% renewable electricity. Operational emissions rose 12.2% year-on-year; the company relies on offsets for carbon neutrality claims rather than absolute reductions. Nature risk and circular economy targets are absent.

Visa Inc. scores 51/100 (Making progress) on SINK's independent climate assessment, scored from public data only. Scores are free. Nobody can pay to change a score, speed it up or hide it. Last verified May 2026.

That places Visa Inc. joint 129th of 1,023 companies scored, and joint 7th of 61 in Financial Services / Banking.

The ten questions

What is Visa Inc. doing well, and where does it fall short?

Strongest on Energy Source and Carbon Footprint: Operations (8/10, 7/10). Weakest on Emissions Trajectory and Controversies & Red Flags (3/10, 3/10).

What's missing

Where Visa Inc. lost points

For each question that lost points, the evidence our public rubric looks for that we didn't find.

What would raise this score

  • Whether its emissions are fallingShow its emissions are falling.
  • Its record on controversiesDeal with the findings under question 10, in public.
  • Its effect on natureMeasure its effect on nature and have it independently verified.

Every question that lost points

  • Emissions from its own operations7/10Its own emissions aren't independently verified or tracked over several years.
  • Emissions from its supply chain6/10No full value-chain map or supplier engagement programme.
  • Whether its emissions are falling3/10No evidence its emissions are falling.
  • How clean its energy is8/10Its own operations aren't shown to run on 100% renewable energy.
  • Its effect on nature4/10Its effect on nature isn't measured or independently verified.
  • How it uses materials and handles waste5/10No measurable waste or recycling targets reported publicly.
  • Its effect on water5/10No measured water footprint with reduction targets.
  • Its climate targets7/10Its targets aren't validated by the Science Based Targets initiative.
  • How openly it reports7/10No annual impact report, or no pay linked to climate targets.
  • Its record on controversies3/10Points deducted for controversies or its business model. The finding is under question 10.

A score changes when the evidence does. We use new published evidence at the next rescore. Anyone can send us new evidence, free. How to send it.

The calculation

How is Visa Inc.'s SINK score calculated?

Same ten questions for every company. No private weighting.

SINK = (0.3 × Base + 0.7 × Performance) × Scale
Industry base impact
Financial Services / Banking sector ceiling.
50 / 100
Performance score
Sum of the ten questions, each scored 0 to 10.
55 / 100
Raw score
Weighted average before scale penalty.
(0.3 × 50) + (0.7 × 55) = 53.5
Scale penalty
Multiplier based on total emissions. Bigger polluters lose more.
× 0.95
Final score
Rounded. Making progress.
51 / 100
Where the evidence comes from

What evidence is Visa Inc.'s score based on?

15 sources used in this assessment. All publicly available. Each row shows which of the ten questions it informed.

60% of them were published by Visa Inc. itself; the rest come from independent sources.

Scored on 22 May 2026 under an earlier version of our method. We're re-checking it under the current method.

[1]Self-reported
2024 Visa Corporate Responsibility & Sustainability Report
2024
Q1Q2Q3Q4Q5Q6Q9
View →
[2]Self-reported
2023 Visa CDP Response
2023
Q2
View →
[3]Self-reported
2025 Visa CDP Response
2025
Q8Q9
View →
[4]Independent source
Visa GHG Emissions — Tracenable
Ongoing
Q1Q3
View →
[5]Independent source
Visa Emissions — Ditch Carbon
Ongoing
Q1Q2Q8
View →
[6]Self-reported
Visa Newsroom: Progress on Planet, People, Communities
2024
Q3
View →
[7]Self-reported
Visa Achieves 100% Renewable Electricity — Press Release
2020
Q4
View →
[8]Self-reported
2024 Visa Green Bond Report
2024
Q6Q7
View →
[9]Self-reported
Visa Corporate Responsibility & Sustainability Resources
Ongoing
Q9
View →
[10]Self-reported
Visa Planet CSR Hub
Ongoing
Q4Q5Q8
View →
[11]Public record
Payments Companies Look Towards Greener Future — Payments Dive
Unknown
Q6
View →
[12]Independent source
Visa Environmental and Social Impact — Green Digest
Unknown
Q7
View →
[13]Public record
Visa and Mastercard: The Global Card Network Duopoly
Unknown
Q10
View →
[14]Independent source
Greenpeace: Visa Is Bringing Bitcoin Pollution Everywhere
2024
Q10
View →
[15]Self-reported
Visa VisaNet Infrastructure
Ongoing
Q10
View →

If you believe a source has been misread or a newer version exists, submit a challenge.

For Visa

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    Visa Inc.: SINK sustainability score 51.

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Visa Inc. in context

How does Visa Inc. compare with other financial services / banking companies?

Where Visa Inc. sits among financial services / banking peers.

Among the 61 major financial services / banking brands we've scored, Visa Inc. is tied =7th of 61, with 1 other.

=7/61
Visa Inc.'s rank
36
Industry average
20
Industry low
65
Industry high
See all 61 in Financial Services / Banking →
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