Visa Unveils Six AI Tools to Tackle Rising Fraud Costs

TLDR

• Visa has launched six artificial intelligence tools to reduce fraud and dispute costs.
• The new services aim to help merchants, issuers, and acquirers manage disputes more efficiently.
• Visa handled 106 million disputes worldwide in 2025, reflecting a 35% increase since 2019.
• Global chargeback transactions are projected to reach 324 million by 2028.
• E-commerce chargeback costs totaled $33.8 billion in 2025 and may rise to $42 billion by 2028.

Visa has launched six artificial intelligence tools to address rising dispute volumes and fraud expenses. The company said the new products aim to lower merchant costs and improve case visibility. The rollout comes as global chargebacks and compliance demands continue to increase.

Visa Expands Dispute Platform with Six AI-Driven Services

Visa introduced six tools that target merchants, issuers, and acquirers across the dispute cycle. The company designed the products to automate workflows, improve case tracking, and reduce manual reviews. Visa said these services help clients control fraud exposure and recover lost revenue. The company processes trillions of dollars in transactions each year across global markets.

Andrew Torre, President of Value-Added Services at Visa, outlined the company’s approach in a statement.

He added that the expanded dispute suite gives clients visibility to serve customers and grow operations. Visa confirmed that it handled 106 million disputes worldwide in 2025.

Merchants and Issuers Target Faster Resolution and Lower Fraud Losses

Merchants can address disputes earlier through the Visa Dispute Resolution Network. They can also automate representment through Visa Dispute Recovery Manager. Visa said Order Insight and Compelling Evidence 3.0 help prevent unnecessary disputes before escalation. These tools aim to reduce processing time and limit operational costs.

Issuers and acquirers receive predictive insights from Dispute Intelligence. They can analyze documents faster through Dispute Doc Analyzer and manage workflows with Visa Dispute Case Manager. Visa said these products centralize dispute handling and shorten case review cycles. The company stated that integrated systems reduce delays and improve case accuracy.

Industry data shows disputes continue to rise across payment networks. Mastercard reported that global chargeback transactions may reach 324 million by 2028. Visa recorded a 35% increase in disputes since 2019. E-commerce chargeback costs reached $33.8 billion in 2025 and may climb to $42 billion by 2028.

Merchants face rising expenses tied to each disputed transaction. Industry estimates show a single chargeback costs $74 per case. The 2025 LexisNexis True Cost of Fraud Study reported that every $1 of fraud costs U.S. businesses up to $5.75. Visa stated that its new dispute tools aim to address these escalating financial pressures.

Sam Abadir, Research Director for Risk, Compliance, and Financial Crime at IDC Financial Insights, addressed operational challenges. He said companies using manual processes risk higher costs and lost revenue. He noted that streamlined systems can improve efficiency and strengthen dispute management. Visa confirmed that the new tools are now available to clients globally.

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