How Visa uses AI

In April 2026 Visa announced six new and enhanced dispute resolution tools. For issuers and acquirers they include Dispute Intelligence (predictive models that support case by case decisions, generally available), Dispute Doc Analyzer (AI summaries of merchant documents for issuer analysts and auto populated questionnaires for acquirers) and Visa Dispute Case Manager, which unifies dispute workflows from intake to resolution. Merchant tools cover pre dispute handling, generative AI representment responses and Compelling Evidence 3.0 to reduce friendly fraud. Several tools are still in pilot or planned for late 2026; no outcome figures were disclosed.

No outcome disclosed.

Visa reported in December 2025 that hundreds of controlled, real world agent initiated transactions had been completed with partners in its Visa Intelligent Commerce programme. In the United States, closed beta pilots with agent enablers Skyfire, Nekuda, PayOS and Ramp executed consumer purchases and, in Ramp's case, corporate bill payments by card. In the UAE, Visa is working with Aldar so customers can use AI agents to pay recurring fees such as real estate service charges. In its June 2026 announcement with OpenAI, Visa says transactions will operate within user permissions such as spending limits, merchant categories or required approvals, on tokenized credentials. No outcome figures are disclosed.

No outcome disclosed.

Visa monitors merchant activity across its network for illegal commerce and acts through the acquirer that holds the merchant relationship; acquirers must remove merchants that cannot comply with Visa's rules and applicable law. Visa says that, using its AI tools and machine learning models, it saw a fivefold increase in acquirer remediation and terminations for merchant noncompliance between 2020 and 2024. Visa also monitors acquirers that serve high risk categories to check that their controls work.

• Detection improvement: 5x, 2020 to 2024; counts acquirer remediation and termination actions, a proxy for detection rather than a measured detection rate

  "Using our AI tools and machine learning models, we have seen a 5x increase in acquirer remediation and terminations for merchant noncompliance between 2020 and 2024."

  Claimed by: organization

Decision Manager is Visa's machine learning fraud management platform for merchants and acquirers. It gives each transaction a risk score from 0 to 99 drawn from hundreds of real time data points and automates the accept, review or reject decision. Visa reports that almost all transactions it screened in 2023 were resolved automatically and that active users cut manual reviews, which is the triage workload for fraud teams.

• Automation rate: 98.7%, 2023

  "In 2023, Decision Manager screened 3.2 billion transactions and prevented an estimated $33 billion in potential fraud losses — with 98.7% of all transactions processed through Decision Manager resolved automatically by AI."

  Claimed by: organization
• Interactions handled: 3.2 billion, 2023

  "In 2023, Decision Manager screened 3.2 billion transactions and prevented an estimated $33 billion in potential fraud losses — with 98.7% of all transactions processed through Decision Manager resolved automatically by AI."

  Claimed by: organization
• Alert volume reduction: at least 25%, active users, manual review reduction

  "For active users, Decision Manager has helped reduce manual reviews by 25% or more, freeing fraud teams to focus on complex or high-value cases rather than routine screening."

  Claimed by: organization