CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Millions	9 Months Ended
	Jun. 30, 2019	Jun. 30, 2018
Operating Activities
Net income	$ 9,055	$ 7,456
Adjustments to reconcile net income to net cash provided by operating activities:
Client incentives (Note 2)	4,480	3,989
Share-based compensation (Note 11)	321	242
Depreciation and amortization of property, equipment, technology and intangible assets	484	450
Deferred income taxes	234	(1,133)
VE territory covered losses incurred (Note 4)	(170)	(9)
Other	(204)	(38)
Change in operating assets and liabilities:
Settlement receivable	(127)	(239)
Accounts receivable	(319)	(82)
Client incentives	(4,778)	(3,483)
Other assets	(172)	97
Accounts payable	(22)	(18)
Settlement payable	280	379
Accrued and other liabilities	257	1,408
Accrued litigation (Note 13)	(577)	446
Net cash provided by operating activities	8,742	9,465
Investing Activities
Purchases of property, equipment and technology	(507)	(523)
Proceeds from sales of property, equipment and technology	0	14
Investment securities:
Purchases	(2,321)	(3,354)
Proceeds from maturities and sales	3,870	2,789
Acquisitions, net of cash and restricted cash acquired	(136)	(196)
Purchases of / contributions to other investments	(482)	(35)
Proceeds / distributions from other investments	10	0
Other investing activities	(21)	0
Net cash provided by (used in) investing activities	413	(1,305)
Financing Activities
Repurchase of class A common stock (Note 9)	(6,480)	(5,604)
Repayments of long-term debt	0	(1,750)
Dividends paid (Note 9)	(1,706)	(1,435)
Payment of deferred purchase consideration related to Visa Europe acquisition	(1,236)	0
Cash proceeds from issuance of common stock under employee equity plans	127	135
Restricted stock and performance-based shares settled in cash for taxes	(106)	(90)
Net cash used in financing activities	(9,401)	(8,744)
Effect of exchange rate changes on cash and cash equivalents	(62)	(89)
Decrease in cash, cash equivalents, restricted cash and restricted cash equivalents	(308)	(673)
Cash, cash equivalents, restricted cash and restricted cash equivalents at beginning of period (Note 3)	10,977	12,011
Cash, cash equivalents, restricted cash and restricted cash equivalents at end of period (Note 3)	10,669	11,338
Supplemental Disclosure
Income taxes paid, net of refunds	1,992	1,649
Interest payments on debt (Note 6)	503	510
Accruals related to purchases of property, equipment and technology	$ 87	$ 35