CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Millions	12 Months Ended
	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2017
Operating Activities
Net income	$ 12,080	$ 10,301	$ 6,699
Adjustments to reconcile net income to net cash provided by (used in) operating activities:
Client incentives (Note 3)	6,173	5,491	4,565
Share-based compensation (Note 16)	407	327	235
Depreciation and amortization of property, equipment, technology and intangible assets	656	613	556
Deferred income taxes	214	(1,277)	1,700
VE territory covered losses incurred (Note 5)	(172)	(11)	(209)
Charitable contribution of Visa Inc. shares (Note 19)	0	0	192
Other	(271)	(64)	54
Change in operating assets and liabilities:
Settlement receivable	(1,533)	(223)	94
Accounts receivable	(333)	(70)	(54)
Client incentives	(6,430)	(4,682)	(4,628)
Other assets	(310)	59	(147)
Accounts payable	(24)	3	(30)
Settlement payable	1,931	262	(176)
Accrued and other liabilities	627	1,760	465
Accrued litigation (Note 20)	(231)	452	1
Net cash provided by (used in) operating activities	12,784	12,941	9,317
Investing Activities
Purchases of property, equipment and technology	(756)	(718)	(707)
Proceeds from sales of property, equipment and technology	0	14	12
Investment securities:
Purchases	(2,653)	(5,772)	(3,238)
Proceeds from maturities and sales	3,996	3,636	5,012
Acquisitions, net of cash and restricted cash acquired	(699)	(196)	(302)
Purchases of / contributions to other investments	(501)	(50)	(46)
Proceeds / distributions from other investments	12	2	4
Other investing activities	10	0	0
Net cash provided by (used in) investing activities	(591)	(3,084)	735
Financing Activities
Repurchase of class A common stock (Note 14)	(8,607)	(7,192)	(6,891)
Repayments of long-term debt	0	(1,750)	0
Dividends paid (Note 14)	(2,269)	(1,918)	(1,579)
Payment of deferred purchase consideration related to the Visa Europe acquisition	(1,236)	0	0
Proceeds from issuance of senior notes	0	0	2,488
Debt issuance costs	0	0	(15)
Cash proceeds from issuance of common stock under employee equity plans	162	164	149
Restricted stock and performance-based shares settled in cash for taxes	(111)	(94)	(76)
Net cash provided by (used in) financing activities	(12,061)	(10,790)	(5,924)
Effect of exchange rate changes on cash and cash equivalents	(277)	(101)	236
Increase (decrease) in cash, cash equivalents, restricted cash and restricted cash equivalents	(145)	(1,034)	4,364
Cash, cash equivalents, restricted cash and restricted cash equivalents at beginning of year	10,977	12,011	7,647
Cash, cash equivalents, restricted cash and restricted cash equivalents at end of year	10,832	10,977	12,011
Supplemental Disclosure
Income taxes paid, net of refunds	2,648	2,285	3,038
Interest payments on debt	537	545	489
Charitable contribution of investment securities to Visa Foundation	0	195	0
Accruals related to purchases of property, equipment and technology	$ 95	$ 77	$ 50