Do Visa and MasterCard process exchange differently?

Which banks use MasterCard?

Here are a list of some of the largest credit card providers that use MasterCard:

• Amazon.
• Aqua.
• Capital One.
• Halifax.
• John Lewis.
• Lloyds Bank.
• M&S Bank.
• MBNA.

Which bank owns Visa card?

Bank of America

Question: Who owns the credit card companies? Once upon a time, Bank of America owned Visa, but I’m not sure if it’s been spun off.