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this post was submitted on 30 Aug 2024
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To be super pedantic, no, ownership of your money never transfers to visa. When your card is swiped (tapped, whatever) visa (or mc or Amex or whoever else) facilitates communication between your bank and the merchant's bank, but no money moves yet. At the end of the day the merchant settles out those transactions, but that's still just data. The money moves typically a day or two later, and that is done directly between the customer and merchant's bank. Source: worked in credit card processing for ~9 years.
TIL! thanks for that!