CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Millions	12 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2018
Operating Activities
Net income	$ 10,866	$ 12,080	$ 10,301
Adjustments to reconcile net income to net cash provided by (used in) operating activities:
Client incentives	6,664	6,173	5,491
Share-based compensation	416	407	327
Depreciation and amortization of property, equipment, technology and intangible assets	767	656	613
Deferred income taxes	307	214	(1,277)
VE territory covered losses incurred	(37)	(172)	(11)
Other	(145)	(271)	(64)
Change in operating assets and liabilities:
Settlement receivable	1,858	(1,533)	(223)
Accounts receivable	(43)	(333)	(70)
Client incentives	(8,081)	(6,430)	(4,682)
Other assets	(402)	(310)	59
Accounts payable	21	(24)	3
Settlement payable	(2,384)	1,931	262
Accrued and other liabilities	923	627	1,760
Accrued litigation	(290)	(231)	452
Net cash provided by (used in) operating activities	10,440	12,784	12,941
Investing Activities
Purchases of property, equipment and technology	(736)	(756)	(718)
Investment securities:
Purchases	(2,075)	(2,653)	(5,772)
Proceeds from maturities and sales	4,510	3,996	3,636
Acquisitions, net of cash and restricted cash acquired	(77)	(699)	(196)
Purchases of / contributions to other investments	(267)	(501)	(50)
Other investing activities	72	22	16
Net cash provided by (used in) investing activities	1,427	(591)	(3,084)
Financing Activities
Repurchase of class A common stock	(8,114)	(8,607)	(7,192)
Proceeds from issuance of senior notes	7,212	0	0
Repayments of debt	0	0	(1,750)
Dividends paid	(2,664)	(2,269)	(1,918)
Payment of deferred purchase consideration related to the Visa Europe acquisition	0	(1,236)	0
Cash proceeds from issuance of common stock under employee equity plans	190	162	164
Restricted stock and performance-based shares settled in cash for taxes	(160)	(111)	(94)
Payments to settle derivative instruments	(333)	0	0
Other financing activities	(99)	0	0
Net cash provided by (used in) financing activities	(3,968)	(12,061)	(10,790)
Effect of exchange rate changes on cash, cash equivalents, restricted cash and restricted cash equivalents	440	(277)	(101)
Increase (decrease) in cash, cash equivalents, restricted cash and restricted cash equivalents	8,339	(145)	(1,034)
Cash, cash equivalents, restricted cash and restricted cash equivalents at beginning of year	10,832	10,977	12,011
Cash, cash equivalents, restricted cash and restricted cash equivalents at end of year	19,171	10,832	10,977
Supplemental Disclosure
Cash paid for income taxes, net	2,671	2,648	2,285
Interest payments on debt	537	537	545
Charitable contribution of investment securities to Visa Foundation	0	0	195
Accruals related to purchases of property, equipment and technology	$ 38	$ 95	$ 77