Visa Inc. has introduced six new artificial intelligence-driven dispute resolution services aimed at reducing fraud losses, cutting administrative costs, and improving how financial institutions and merchants handle transaction disputes.
In a statement, the company said the new tools are designed to modernise dispute management, increase transparency around fraud-related expenses, and allow businesses to focus more on growth and customer experience.
Visa revealed that it processed about 106 million disputes globally in 2025, a 35 per cent rise compared to 2019. It said the steady increase highlights growing challenges in the payments ecosystem, including rising operational costs and customer dissatisfaction linked to transaction errors and fraud.
New AI dispute tools
Among the newly introduced services is the Visa Dispute Resolution Network, which helps merchants manage issues before they escalate into formal disputes. The system is expected to reduce resolution time and ease administrative pressure, with wider deployment planned for late 2026.
Another key solution, the Visa Dispute Recovery Manager, uses generative AI and predictive scoring to automate how merchants respond to disputes and improve chances of recovering funds.
The company also launched Order Insight, which provides detailed transaction information to help consumers and banks quickly verify legitimate charges and reduce unnecessary claims. An upcoming update will allow merchants to submit stronger evidence under the “Compelling Evidence 3.0” framework to help curb friendly fraud.
For banks and payment processors, Visa introduced Dispute Intelligence, an AI system that analyses global transaction data to support decision-making in dispute cases.
Other tools include the Dispute Doc Analyser, which summarises merchant documents using AI to speed up review processes, and the Visa Dispute Case Manager, a central platform that integrates dispute handling across different card networks.
Industry response
Speaking on the development, the Vice President and Cluster Head for West Africa at Visa, Andrew Uaboi, said the solutions are designed to address rising complexity in global payment systems.
He noted that outdated dispute systems often increase fraud risk and operational burden, stressing that the new tools will help stakeholders focus more on customer service, innovation, and business growth.
Visa said the rollout of these technologies marks a major step toward automating and improving efficiency in global payment dispute management.
