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Tom Houghton

Chief Officer, Processing, Visa Europe Processing

Tom is head of Visa’s European Processing Business responsible for business strategy, planning and operations. The Visa Processing business provides its customers with access to the unrivalled processing capability of the global Visa network. The 24x7 processing service is proven in terms of speed, reliability and security.

Operating separately from the Scheme business, Processing manages the switching of payments instructions between card issuers and payment acquirers with authorisations and payment clearing and settlement services across the Visa Europe network, providing global acceptance through its partnership with Visa Inc. Processing enables domestic and international transactions of card-based payments made at the physical point-of-sale (POS) or ATM, and continually innovates to drive and facilitate the increasing trend of consumers and merchants towards e- and m-commerce. Tom has over 25 years’ experience in the payments industry. Prior to joining the Executive Leadership Team at Visa Europe he worked in the retail sector for a US based chain and a leading payments technology provider to acquirers, issuers and third party processors. He has held a variety of roles across Europe and the Americas, leading information technology, product management, client support, professional services and sales divisions.

Tom holds a degree in Business Administration with an emphasis in Technical Services from Bellevue University.

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Author's Latest Articles

June 09, 2016

Processing payments: delivering speed, reliability and security

At its core, payments processing is all about speed, reliability and security. The payments ecosystem is becoming more global and driven by innovation. At Visa Europe, having established separated scheme and processing businesses ahead of today’s European regulatory deadline, we are positioned well to continue to deliver the core processing capabilities that meet our customers’ needs.

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