A major challenge is the time sensitivity of disputes, where slow access to transaction details can trigger auto chargebacks and inflate friendly-fraud classifications.

Visa is rolling out six AI-powered tools to overhaul the credit-card dispute process, combining predictive AI, document analysis, and a centralized dispute management platform to speed decisions and cut manual reviews.

Three tools are designed for issuers to centralize dispute data and analysis, while three others target merchants to improve data sharing with card issuers.

The offering includes predictive network-wide data analysis, automated evidence summaries, and a unified case-management hub to streamline disputes across issuing banks and acquiring institutions.

Visa’s stock has fallen about 12% over the past year, but the forward price-earnings ratio sits around 21.79, above the industry, with a Zacks Rank of Buy and an expected next-year earnings growth of roughly 12%.

The launch ties into Visa’s broader AI-driven financial infrastructure strategy, emphasized by recent features for subscription management and a planned late-2026 rollout for more capabilities.

Updates to Order Insight and the new Compelling Evidence 3.0 are part of Visa’s proactive measures against friendly fraud in digital commerce.

Investors are watching how widely issuers and merchants will adopt these services and whether Visa can price them to cover added value without driving partners to alternatives.

Visa aims to shift from reactive claims handling to preventive, data-driven processes to improve margins for banks and merchants and reduce fraud-related losses.

Disputes surged in 2025 to over 106 million globally, a 35% rise since 2019, underscoring the growing burden on banks, merchants, and processors.

Industry observers frame Visa’s AI push as part of a larger trend in AI-enhanced financial services with material upside for firms that blend AI with payments data.

Analysts note legacy processes aren’t scalable for rising volumes and that direct issuer-merchant data access could cut disputes and improve service.