Visa rolls out six AI tools to cut billions in fraud and dispute costs

Visa, which processes trillions of dollars in electronic transactions each year, has introduced six AI-powered dispute resolution tools to help merchants, issuers, and acquirers reduce costs, minimize fraud, and improve visibility, according to an announcement issued today.

“When outdated technology cannot keep pace, fraud goes undetected,” Andrew Torre, President of Value-Added Services at Visa, said in a statement. “Our expanded suite of dispute services gives clients the visibility they need to focus on what matters most: serving customers, launching new products and growing their businesses.”

Merchants can resolve disputes earlier through Visa Dispute Resolution Network, automate representment with Visa Dispute Recovery Manager, and prevent unnecessary disputes with Order Insight and Compelling Evidence 3.0.

Issuers and acquirers gain predictive guidance from Dispute Intelligence, faster document analysis via Dispute Doc Analyzer, and a unified dispute workflow with Visa Dispute Case Manager.

As disputes grow in volume and regulatory scrutiny intensifies, managing them efficiently has become a strategic focus.

Companies that still rely on manual, fragmented processes may miss revenue opportunities and face higher costs that more streamlined solutions could prevent, as noted by Sam Abadir, Research Director for Risk, Compliance and Financial Crime at IDC Financial Insights.

Visa handled 106 million disputes worldwide in 2025, a 35% increase since 2019.

Industry-wide, global chargeback transactions are expected to climb to roughly 324 million by 2028, highlighting the growing challenges for payment networks, according to Mastercard’s recent report.

Ecommerce-related chargeback costs hit an estimated $33.8 billion in 2025 and are projected to climb to approximately $42 billion by 2028. On average, a single disputed transaction costs a merchant $74 once fees and lost goods are counted.

Furthermore, in the US, every $1 of fraud actually costs businesses up to $5.75 in total operational and recovery expenses, according to the 2025 LexisNexis True Cost of Fraud Study.