Visa is introducing six new AI-powered tools to streamline and modernize credit card dispute processes.

The digital payments firm stated that the tools aim to lower costs and ease the frustrations of “outdated” dispute processes for all parties involved, merchants, issuers, and acquirers, according to CNBC.

“Some of the challenges are these back-office systems are still largely manual,” Andrew Torre, Visa’s president of value-added services, said. “We really had to think differently about how we approach this at scale.”

Torre stated that in 2025, Visa managed more than 106 million charge disputes globally, representing a 35 per cent increase since 2019.

” Our goal is to streamline this as much as possible,” Torre noted. “We’d love to be able to see that growth rate come down.”

Visa’s new AI tools reflect a broader trend among major banks and financial institutions to integrate artificial intelligence into both internal operations and customer-facing services.

Visa said that three of its six new tools are aimed at merchants, helping them prevent disputes before they escalate, handle disputes using generative AI responses, and gain deeper order insights to clarify unfamiliar charges.

Torre explained that many disputes arise when cardholders don’t recognize charges on their statements. With the new tool, Visa can give financial institutions deeper-level data to help clarify these charges for cardholders.

The remaining three tools target issuers and acquirers, using predictive AI to support case-by-case analysis, summarize and auto-fill documents, and provide a centralized AI-powered platform to manage the entire dispute process, Visa said.

“We’ll be able to get them insights and data so they can move from being reactive to proactive,” Torre said.

The automation is expected to save time, reduce costs, and minimize unnecessary confusion for all parties, Torre added.

Visa said most of the tools will become generally available later this year.