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Small Business Hub
Visa Small Business Advantage Program
Small businesses are the engine room of Australia’s economy, and Visa is committed to helping them thrive.
Visa's Small Business Advantage Program helps small businesses trade smarter, grow faster and compete on a global stage. From payment choices that save money and grow revenue to agentic commerce, data-driven insights, and tools to help safeguard against fraud and scams, the program is designed to remove friction and unlock opportunity which could help collectively save small businesses $500 million over 5 years. With a five-year commitment to strengthen security and support innovation to boost productivity through grants and practical support, Visa is championing the businesses that keep Australia moving.
Acquirer Small Business Program
Visa’s Acquirer Small Business Program is designed to make payments fairer, simpler and more affordable for Australia’s 2.5 million small businesses. Delivered as part of the Visa Small Business Advantage Program, which could help Australian SMBs collectively save over $500 million over the next five years, it gives access to some of the lowest payment acceptance costs in the country – helping businesses save money, strengthen margins and reinvest in growth.
The program brings small businesses onto some of our most competitive pricing. That means meaningful impact: the potential for significant savings on everyday transactions, tens of thousands of dollars saved annually depending on volume, and more than $150 million in cost reductions each year nationally¹.
Beyond affordability, the Acquirer Small Business Program is part of Visa’s broader five-year commitment to uplift small business productivity and digital capability. Together with enhanced fraud prevention tools, scam protection technologies, Visa Intelligent Commerce and support through the Visa Vibe Grants Program, Visa is helping small businesses trade smarter, safer and more efficiently.
Speak to your merchant services provider.
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1 Based on Visa estimates
AI & Agentic Commerce
AI commerce is set to transform how people shop and buy from small businesses.
Imagine a future where daily errands and purchasing tasks are seamlessly handled by intelligent assistants.
AI is already changing how customers shop online and discover products. Instead of browsing multiple sites, customers can now rely on AI agents to search, compare and even initiate purchases on their behalf.
Turn shoppers into loyal customers
Visa Intelligent Commerce helps businesses deliver seamless, personalised shopping experiences that can boost loyalty and conversions. With end-to-end solutions, from secure payments to post-purchase support, businesses can turn every interaction into a growth opportunity. Providing access to a global marketplace, with more than 4.9 billion cards across over 220 countries and territories, and the ability to quickly and securely accept payments in different currencies, Visa creates a level playing field for small businesses where they are able to compete alongside larger sellers.
Customer experience and business benefits
- Shoppers receive personalised product recommendations powered by unique spend signals from Visa
- Intelligent agents automatically apply promotions, loyalty points and the most secure payment method at checkout
- Tokenised payments and authentication APIs protect transactions while reducing friction
- Sellers can see higher conversion rates, fewer cart abandonments and stronger repeat engagement
- Help provide access to post-purchase protections, such as dispute resolution, safeguard both buyer and seller trust
Insights
Visa empowers small businesses with data‑driven insights to help drive smarter decisions and growth.
Entrepreneurship & Productivity: Practical Levers for Australia’s Small Business Hubs
Australia’s small businesses are the backbone of local economies, driving jobs and growth in every corner of the country. In recent years, outer metro suburbs have emerged as hotspots for new business formation, with strong year-on-year growth in both numbers and turnover. Yet, many of these businesses aren’t scaling as quickly as their inner-city counterparts. Visa’s Business & Economic Insights research shows that targeted investments in infrastructure and skills could transform these regions into the country’s next big engines for productivity.
Vibe the Night
From city centres to regional hubs, Australia’s night-time economy is evolving, with new data from Visa showing it’s more dynamic, more diverse and increasingly driven by Gen Z. The Visa Australia Night-Time Economy Index 2025 reveals where the strongest vibes are, while insights from the Visa Vibe Economy Report, developed in partnership with McCrindle, uncover how Australians are shaping the future of life after dark. Together, these findings reveal that night-time activities bring energy, productivity and opportunity to our cities and regions - making now the perfect time to rediscover your nights.
To help bring these experiences to life, Visa will launch the Visa Vibe Grants program in 2026, supporting local businesses to grow, adapt, and deliver vibrant after-dark offerings that keep cities and communities thriving.
Toolkit
SMB Fraud Toolkit: Stand Up to Fraud
Whether you’re a seasoned entrepreneur or just starting your journey, this Fraud Prevention Toolkit has been designed to help you safeguard your business against fraud and ensure long-term success.
Practical Business Skills
Small businesses are the backbone of the global economy. Through the Practical Business Skills programme, we’re equipping entrepreneurs with free resources and tools to help them prosper.
Commercial Offers
A comprehensive suite of benefits and offers to enhance your business.
Merchant Signage
Let customers know you accept Visa