<SUBMISSION>
<ACCESSION-NUMBER>0001181431-09-036110
<TYPE>3
<PUBLIC-DOCUMENT-COUNT>2
<PERIOD>20090722
<FILING-DATE>20090722
<DATE-OF-FILING-DATE-CHANGE>20090722
<REPORTING-OWNER>
<OWNER-DATA>
<CONFORMED-NAME>LUCIO ANTONIO
<CIK>0001468749
</OWNER-DATA>
<FILING-VALUES>
<FORM-TYPE>3
<ACT>34
<FILE-NUMBER>001-33977
<FILM-NUMBER>09957871
</FILING-VALUES>
<MAIL-ADDRESS>
<STREET1>C/O VISA INC.
<STREET2>P.O. BOX 8999
<CITY>SAN FRANCISCO
<STATE>CA
<ZIP>94128-8999
</MAIL-ADDRESS>
</REPORTING-OWNER>
<ISSUER>
<COMPANY-DATA>
<CONFORMED-NAME>VISA INC.
<CIK>0001403161
<ASSIGNED-SIC>7389
<IRS-NUMBER>260267673
<STATE-OF-INCORPORATION>DE
<FISCAL-YEAR-END>0930
</COMPANY-DATA>
<BUSINESS-ADDRESS>
<STREET1>P.O. BOX 8999
<CITY>SAN FRANCISCO
<STATE>CA
<ZIP>94128-8999
<PHONE>(415) 932-2100
</BUSINESS-ADDRESS>
<MAIL-ADDRESS>
<STREET1>P.O. BOX 8999
<CITY>SAN FRANCISCO
<STATE>CA
<ZIP>94128-8999
</MAIL-ADDRESS>
<FORMER-COMPANY>
<FORMER-CONFORMED-NAME>Visa Inc.
<DATE-CHANGED>20070614
</FORMER-COMPANY>
</ISSUER>
<DOCUMENT>
<TYPE>3
<SEQUENCE>1
<FILENAME>rrd248791.xml
<DESCRIPTION>FORM 3
<TEXT>
<XML>
<?xml version="1.0"?>
<ownershipDocument>

    <schemaVersion>X0203</schemaVersion>

    <documentType>3</documentType>

    <periodOfReport>2009-07-22</periodOfReport>

    <noSecuritiesOwned>0</noSecuritiesOwned>

    <issuer>
        <issuerCik>0001403161</issuerCik>
        <issuerName>VISA INC.</issuerName>
        <issuerTradingSymbol>V</issuerTradingSymbol>
    </issuer>

    <reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0001468749</rptOwnerCik>
            <rptOwnerName>LUCIO ANTONIO</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>C/O VISA INC.</rptOwnerStreet1>
            <rptOwnerStreet2>P.O. BOX 8999</rptOwnerStreet2>
            <rptOwnerCity>SAN FRANCISCO</rptOwnerCity>
            <rptOwnerState>CA</rptOwnerState>
            <rptOwnerZipCode>94128-8999</rptOwnerZipCode>
            <rptOwnerStateDescription></rptOwnerStateDescription>
        </reportingOwnerAddress>
        <reportingOwnerRelationship>
            <isDirector>0</isDirector>
            <isOfficer>1</isOfficer>
            <isTenPercentOwner>0</isTenPercentOwner>
            <isOther>0</isOther>
            <officerTitle>Chief Marketing Officer</officerTitle>
        </reportingOwnerRelationship>
    </reportingOwner>

    <nonDerivativeTable>
        <nonDerivativeHolding>
            <securityTitle>
                <value>Class A Common Stock</value>
            </securityTitle>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>17481</value>
                    <footnoteId id="F1"/>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
            </ownershipNature>
        </nonDerivativeHolding>
    </nonDerivativeTable>

    <derivativeTable>
        <derivativeHolding>
            <securityTitle>
                <value>Employee Stock Option (right to buy)</value>
            </securityTitle>
            <conversionOrExercisePrice>
                <value>44.00</value>
            </conversionOrExercisePrice>
            <exerciseDate>
                <footnoteId id="F2"/>
            </exerciseDate>
            <expirationDate>
                <value>2018-03-18</value>
            </expirationDate>
            <underlyingSecurity>
                <underlyingSecurityTitle>
                    <value>Employee Stock Option</value>
                </underlyingSecurityTitle>
                <underlyingSecurityShares>
                    <value>94800</value>
                </underlyingSecurityShares>
            </underlyingSecurity>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
            </ownershipNature>
        </derivativeHolding>
        <derivativeHolding>
            <securityTitle>
                <value>Employee Stock Option (right to buy)</value>
            </securityTitle>
            <conversionOrExercisePrice>
                <value>56.47</value>
            </conversionOrExercisePrice>
            <exerciseDate>
                <footnoteId id="F3"/>
            </exerciseDate>
            <expirationDate>
                <value>2018-11-05</value>
            </expirationDate>
            <underlyingSecurity>
                <underlyingSecurityTitle>
                    <value>Employee Stock Option</value>
                </underlyingSecurityTitle>
                <underlyingSecurityShares>
                    <value>23906</value>
                </underlyingSecurityShares>
            </underlyingSecurity>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
            </ownershipNature>
        </derivativeHolding>
    </derivativeTable>

    <footnotes>
        <footnote id="F1">Includes 4,981 shares which were granted as restricted stock pursuant to the Visa Inc. 2007 Equity Incentive Compensation Plan on November 5, 2008. The restricted stock vests in the three equal installments on each of the first three anniversaries of the date of the grant, subject to earlier vesting in full in limited circumstances specified in the award agreement.</footnote>
        <footnote id="F2">The option vests in three equal annual installments.  The first installment vested on March 18, 2009, and the remaining two installments vest on March 18, 2010 and March 18, 2011.</footnote>
        <footnote id="F3">The option vests in three equal annual installments.  The first installment will vest on November 5, 2009, and the remaining two installments vest on November 5, 2010 and November 5, 2011, subject to earlier vesting in full in limited circumstances as specified in the award agreement.</footnote>
    </footnotes>

    <ownerSignature>
        <signatureName>Jenny Kim, Attorney-in-Fact</signatureName>
        <signatureDate>2009-07-22</signatureDate>
    </ownerSignature>
</ownershipDocument>
</XML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-24.
<SEQUENCE>2
<FILENAME>rrd222909_251710.htm
<DESCRIPTION>POWER OF ATTORNEY
<TEXT>
<HTML>
<HEAD>
<TITLE>
rrd222909_251710.html
</TITLE>
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<BODY>
<PRE>
				POWER OF ATTORNEY
				(Section 16)

	KNOW ALL BY THESE PRESENTS, that the undersigned hereby
authorizes each of Joshua R. Floum, Thomas A. M'Guinness, Ariela St.
Pierre and Jenny Kim of Visa Inc., a Delaware corporation (the
"Company"), or any of them signing singly, to execute for and on
behalf of the undersigned, in the undersigned's capacity as Chief
Marketing Officer of the Company, Forms 3, 4 and 5, and any amendments
thereto, and cause such form(s) to be filed with the United States
Securities and Exchange Commission pursuant to Section 16(a) of the
Securities Act of 1934, relating to the undersigned's beneficial
ownership of securities in the Company.  The undersigned hereby grants
to such attorney-in-fact full power and authority to do and perform
any and every act whatsoever requisite, necessary, or proper to be
done in the exercise of any of the rights and powers herein granted,
as fully to all intents and purposes as the undersigned might or could
do if personally present, with full power of substitution or
revocation, hereby ratifying and confirming all such attorney-in-fact,
or such attorney-in-fact's substitute or substitutes, shall lawfully
do or cause to be done by virtue of this power of attorney and the
rights and powers herein granted.  The undersigned acknowledges that
the foregoing attorney-in-fact, in serving in such capacity at the
request of the undersigned, is not assuming, nor is the Company
assuming, any of the undersigned's responsibilities to comply with
Section 16 of the Securities Exchange Act of 1934.

	This Power of Attorney shall remain in full force and effect
until the earliest of:  (1) the undersigned is no longer required to
file Forms 3, 4 and 5 with respect to the undersigned's holdings of,
and transactions in, securities issued by the Company; (2) this Power
of Attorney is revoked by the undersigned in a signed writing
delivered to the foregoing attorney-in-fact; or (3) as to a specific
attorney-in-fact, employment of such attorney-in-fact and the company
is terminated.

	IN WITNESS WHEREOF, the undersigned has caused this Power of
Attorney to be executed as of this 16th day of July, 2009.

	By:  /s/Antonio Lucio
	Name:	Antonio Lucio
	Title:	Chief Marketing Officer





</PRE>
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</SUBMISSION>
