We bought it on the IPO and on the dip to 45 in the great recession, invested a total of 20k in it due to feelings we had similar to yours, combined with the fact that they don't lend they are just the middle man. It's up 6 figures for us after the split. We haven't sold any of it because I think it has a ways to go, their earnings are good, the future is digital, they just acquired Europe, they've taken over a number of large accounts like USAA and Costco and the numbers for VisaPay are going up, and they've been increasing the dividend. However their PE is sky high.
You'd probably be better off in an index fund long term based on statistics but if you have money that you don't mind losing, then there are worse stocks out there to invest in IMHO.