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v3.26.1

Debt | 6 Months Ended
--- | ---
Mar. 31, 2026
Debt Disclosure [Abstract] |
Debt | Note 8—Debt The Company had outstanding debt as follows:
| March 31, 2026 |  | September 30, 2025 |  | Effective Interest Rate(1)
| (in millions, except percentages)
U.S. dollar notes |  |  |  |  |
3.15% Senior Notes due December 2025 | $ | — |  |  | $ | 4,000 |  |  | 3.26 | %
1.90% Senior Notes due April 2027 | 1,500 |  |  | 1,500 |  |  | 2.02 | %
0.75% Senior Notes due August 2027 | 500 |  |  | 500 |  |  | 0.84 | %
2.75% Senior Notes due September 2027 | 750 |  |  | 750 |  |  | 2.91 | %
3.80% Senior Notes due February 2029 | 900 |  |  | — |  |  | 3.99 | %
2.05% Senior Notes due April 2030 | 1,500 |  |  | 1,500 |  |  | 2.13 | %
4.10% Senior Notes due February 2031 | 750 |  |  | — |  |  | 4.23 | %
1.10% Senior Notes due February 2031 | 1,000 |  |  | 1,000 |  |  | 1.20 | %
4.40% Senior Notes due February 2033 | 700 |  |  | — |  |  | 4.54 | %
4.15% Senior Notes due December 2035 | 1,500 |  |  | 1,500 |  |  | 4.23 | %
4.70% Senior Notes due February 2036 | 650 |  |  | — |  |  | 4.79 | %
2.70% Senior Notes due April 2040 | 1,000 |  |  | 1,000 |  |  | 2.80 | %
4.30% Senior Notes due December 2045 | 3,500 |  |  | 3,500 |  |  | 4.37 | %
3.65% Senior Notes due September 2047 | 750 |  |  | 750 |  |  | 3.73 | %
2.00% Senior Notes due August 2050 | 1,750 |  |  | 1,750 |  |  | 2.09 | %
Euro notes |  |  |  |  |
1.50% Senior Notes due June 2026 | 1,560 |  |  | 1,587 |  |  | 1.71 | %
2.25% Senior Notes due May 2028 | 1,444 |  |  | 1,470 |  |  | 2.57 | %
2.00% Senior Notes due June 2029 | 1,156 |  |  | 1,176 |  |  | 2.13 | %
3.125% Senior Notes due May 2033 | 1,156 |  |  | 1,176 |  |  | 3.20 | %
2.375% Senior Notes due June 2034 | 751 |  |  | 764 |  |  | 2.53 | %
3.50% Senior Notes due May 2037 | 751 |  |  | 764 |  |  | 3.62 | %
3.875% Senior Notes due May 2044 | 693 |  |  | 705 |  |  | 4.02 | %
Total debt | 24,261 |  |  | 25,392 |  |  |
Unamortized discounts and debt issuance costs | (172) |  |  | (171) |  |  |
Hedge accounting fair value adjustments(2) | (113) |  |  | (50) |  |  |
Total carrying value of debt | $ | 23,976 |  |  | $ | 25,171 |  |  |
Reported as: |  |  |  |  |
Current maturities of debt | $ | 1,559 |  |  | $ | 5,569 |  |  |
Long-term debt | 22,417 |  |  | 19,602 |  |  |
Total carrying value of debt | $ | 23,976 |  |  | $ | 25,171 |  |  |
(1)Effective interest rates disclosed do not reflect hedge accounting adjustments. (2)Represents the fair value of interest rate swap agreements entered into on a portion of the outstanding senior notes. Senior Notes In February 2026, the Company issued fixed-rate senior notes in a public offering in an aggregate principal amount of $3.0 billion, with maturities ranging between 3 and 10 years and interest rates ranging between 3.80% and 4.70%. Interest on these notes is payable semi-annually on February 12 and August 12 of each year, commencing August 12, 2026. The net aggregate proceeds, after deducting discounts and debt issuance costs, were approximately $3.0 billion. The Company intends to use the net proceeds for general corporate purposes, which may include, among other things, the refinancing of existing indebtedness. The Company’s outstanding senior notes are senior unsecured obligations of the Company, ranking equally and ratably among themselves and with the Company’s existing and future unsecured and unsubordinated debt. The senior notes are not secured by any assets of the Company and are not guaranteed by any of the Company’s subsidiaries. As of March 31, 2026, the Company was in compliance with all related covenants. Each series of senior notes may be redeemed as a whole or in part at the Company’s option at any time at specified redemption prices. During the six months ended March 31, 2026, the Company repaid $4.0 billion of principal upon maturity of its senior notes due December 2025. Commercial Paper Program Visa maintains a commercial paper program to support its working capital requirements and for other general corporate purposes. Under the program, the Company is authorized to issue up to $3.0 billion in outstanding notes, with maturities up to 397 days from the date of issuance. As of March 31, 2026 and September 30, 2025, the Company had no outstanding obligations under the program. In April 2026, the Company issued and fully repaid $500 million of commercial paper.

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- Definition The entire disclosure for information about short-term and long-term debt arrangements, which includes amounts of borrowings under each line of credit, note payable, commercial paper issue, bonds indenture, debenture issue, own-share lending arrangements and any other contractual agreement to repay funds, and about the underlying arrangements, rationale for a classification as long-term, including repayment terms, interest rates, collateral provided, restrictions on use of assets and activities, whether or not in compliance with debt covenants, and other matters important to users of the financial statements, such as the effects of refinancing and noncompliance with debt covenants. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Topic 815 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 8A -Publisher FASB -URI https://asc.fasb.org/1943274/2147480434/815-10-50-8A Reference 2: http://www.xbrl.org/2003/role/disclosureRef 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