Visa Inc. is a global payments technology company headquartered on 595 Market Street in San Francisco, California, although much of the company's staff is based in Foster City, California. It facilitates electronic funds transfers throughout the world, most commonly through Visa-branded credit card and debit cards. Visa does not issue cards, extend credit or set rates and fees for consumers; rather, Visa provides financial institutions with Visa-branded payment products that they then use to offer credit, debit, prepaid and cash-access programs to their customers. In 2008, according to The Nilson Report, Visa held a 38.3% market share of the credit card marketplace and 60.7% of the debit card marketplace in the United States. In 2009, Visa’s global network processed 62 billion transactions with a total volume of $4.4 trillion.