{"id":3913,"date":"2026-04-01T12:36:37","date_gmt":"2026-04-01T12:36:37","guid":{"rendered":"https:\/\/www.finznest.com\/blog\/visa-launches-new-ai-tools-to-manage-the-charge-dispute-process\/"},"modified":"2026-04-01T12:36:37","modified_gmt":"2026-04-01T12:36:37","slug":"visa-launches-new-ai-tools-to-manage-the-charge-dispute-process","status":"publish","type":"post","link":"https:\/\/www.finznest.com\/blog\/visa-launches-new-ai-tools-to-manage-the-charge-dispute-process\/","title":{"rendered":"Visa launches new AI tools to manage the charge dispute process"},"content":{"rendered":"<div id=\"RegularArticle-ArticleBody-5\" data-module=\"ArticleBody\" data-test=\"articleBody-2\" data-analytics=\"RegularArticle-articleBody-5-2\"><span class=\"HighlightShare-hidden\" style=\"top:0;left:0\"\/><\/p>\n<div class=\"InlineImage-imageEmbed\" id=\"ArticleBody-InlineImage-108258630\" data-test=\"InlineImage\">\n<div class=\"InlineImage-wrapper\">\n<div>\n<p>Visa Inc. signage on the floor of the New York Stock Exchange (NYSE) in New York, US, on Wednesday, Jan. 28, 2026.<\/p>\n<p>Michael Nagle | Bloomberg | Getty Images<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"group\">\n<p><span class=\"QuoteInBody-quoteNameContainer\" data-test=\"QuoteInBody\" id=\"RegularArticle-QuoteInBody-1\">Visa<span class=\"QuoteInBody-inlineButton\"><span class=\"AddToWatchlistButton-watchlistContainer\" id=\"-WatchlistDropdown\" data-analytics-id=\"-WatchlistDropdown\"><button class=\"AddToWatchlistButton-watchlistButton\" aria-label=\"Add To Watchlist\" data-testid=\"dropdown-btn\"><span class=\"AddToWatchlistButton-addWatchListFromTag\"\/><\/button><\/span><\/span><\/span> is launching six new tools using artificial intelligence to modernize the process of disputing credit card charges, the company told CNBC exclusively.<\/p>\n<p>The digital payments company said the tools are designed to reduce the costs and frustration of &#8220;outdated&#8221; dispute processes for multiple entities involved in the payments process: merchants, issuers and acquirers.<\/p>\n<p>&#8220;Some of the challenges are these back-office systems are still largely manual,&#8221; Andrew Torre, Visa&#8217;s president of value-added services, told CNBC. &#8220;We really had to think differently about how we approach this at scale.&#8221;<\/p>\n<p>In 2025, Torre said, Visa processed more than 103 million charge disputes globally, marking a 35% increase since 2019. <\/p>\n<p>&#8220;Our goal is to streamline this as much as possible,&#8221; Torre said. &#8220;We&#8217;d love to be able to see that growth rate come down.&#8221;<\/p>\n<p>Visa&#8217;s new tools are part of a larger push by major banks and financial institutions to incorporate AI into their businesses \u2014 both internally and in consumer-facing applications. <span class=\"QuoteInBody-quoteNameContainer\" data-test=\"QuoteInBody\" id=\"RegularArticle-QuoteInBody-2\">JPMorgan Chase<span class=\"QuoteInBody-inlineButton\"><span class=\"AddToWatchlistButton-watchlistContainer\" id=\"-WatchlistDropdown\" data-analytics-id=\"-WatchlistDropdown\"><button class=\"AddToWatchlistButton-watchlistButton\" aria-label=\"Add To Watchlist\" data-testid=\"dropdown-btn\"><span class=\"AddToWatchlistButton-addWatchListFromTag\"\/><\/button><\/span><\/span><\/span> and <span class=\"QuoteInBody-quoteNameContainer\" data-test=\"QuoteInBody\" id=\"RegularArticle-QuoteInBody-3\">Goldman Sachs<span class=\"QuoteInBody-inlineButton\"><span class=\"AddToWatchlistButton-watchlistContainer\" id=\"-WatchlistDropdown\" data-analytics-id=\"-WatchlistDropdown\"><button class=\"AddToWatchlistButton-watchlistButton\" aria-label=\"Add To Watchlist\" data-testid=\"dropdown-btn\"><span class=\"AddToWatchlistButton-addWatchListFromTag\"\/><\/button><\/span><\/span><\/span> have both said they&#8217;re already using AI to hire fewer people. BNY spent $3.8 billion on technology in 2025, or about 19% of its revenue.<\/p>\n<p>Visa said three of its six new tools focus on merchants, allowing them to address potential disputes before they escalate, managing disputes with generative AI responses and providing a deeper level of detail on order insights to manage confusion over unfamiliar charges.<\/p>\n<p>For example, Torre said, many disputes are borne out of cardholders not recognizing a specific charge on their statements. With the new tool, Visa will be able to provide further details to financial institutions to show cardholders that data at a deeper level, according to the company.<\/p>\n<p>The other three tools are built for issuers and acquirers, using predictive AI models to aid in case-by-case analysis, analyzing documents for summaries and auto fill and establishing an AI-powered dispute platform to manage the entire process in one location, Visa said.<\/p>\n<p>&#8220;We&#8217;ll be able to get them insights and data so they can move from being reactive to proactive,&#8221; Torre said. <\/p>\n<p>Torre said Visa&#8217;s new AI tools are part of a broader host of solutions for consumers, including a subscription manager announced last week that allows cardholders to cancel unnecessary subscriptions directly on the manager. <\/p>\n<p>The automation will save time, money and unnecessary confusion for both parties, he added. Most of the tools will be generally available later this year, the company said.<\/p>\n<p>&#8220;We really believe that disputes in this solution makes it much easier to manage and resolve,&#8221; Torre said. &#8220;We think it has better outcomes for everyone.&#8221;<\/p>\n<\/div>\n<div class=\"ArticleBody-googlePreferredSourceContainer\" data-module=\"GooglePreferredSource\" data-id=\"RegularArticle-GooglePreferredSource-5\">Choose CNBC as your preferred source on Google and never miss a moment from the most trusted name in business news.<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Visa Inc. signage on the floor of the New York Stock Exchange (NYSE) in New York, US, on Wednesday, Jan. 28, 2026. Michael Nagle | Bloomberg | Getty Images Visa is launching six new tools using artificial intelligence to modernize the process of disputing credit card charges, the company told CNBC exclusively. The digital payments [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":3914,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[2959,2960,1035,2958,2961,1090,1896],"class_list":["post-3913","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","tag-charge","tag-dispute","tag-launches","tag-manage","tag-process","tag-tools","tag-visa"],"_links":{"self":[{"href":"https:\/\/www.finznest.com\/blog\/wp-json\/wp\/v2\/posts\/3913","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.finznest.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.finznest.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.finznest.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.finznest.com\/blog\/wp-json\/wp\/v2\/comments?post=3913"}],"version-history":[{"count":0,"href":"https:\/\/www.finznest.com\/blog\/wp-json\/wp\/v2\/posts\/3913\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.finznest.com\/blog\/wp-json\/wp\/v2\/media\/3914"}],"wp:attachment":[{"href":"https:\/\/www.finznest.com\/blog\/wp-json\/wp\/v2\/media?parent=3913"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.finznest.com\/blog\/wp-json\/wp\/v2\/categories?post=3913"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.finznest.com\/blog\/wp-json\/wp\/v2\/tags?post=3913"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}