Visa says it received an additional $1.4 billion in payments at trade schools.

Visa says that just 7 cents for every $100 in card purchases is lost to fraud, half the rate of 10 years ago.

Visa said about 3.4 million of its accounts were accessed by the computer hacker.

Visa said its appeal could take a few months longer.

Every year $1.8 trillion is spent worldwide in amounts of $10 or less, Visa said.

Visa, the credit card consortium, said sales at Internet merchants rose by 179 percent for the last two months of the year.

Visa says its fees range between 1 percent and 2 percent.

Visa and Mastercard both say their cards are accepted by more than 6 million merchants.

Visa said it would pay $2 billion, reflecting its much larger share of the debit card market.

Smaller banks, with less sophisticated technology, were more likely to take longer to give customers credit, Visa said.