The news: Visa launched the Visa Commercial Services (VCS) Hub, a platform that helps issuers and fintech companies deliver commercial payment solutions and embedded finance services backed by the power of genAI.

Key features: 

• AI-backed payables: Automated workflows can predict business needs and improve cash flow.
• Embedded payments: Customers can use APIs and AI to integrate payment capabilities into accounting functions.
• Reporting and Insights: Users can get reports to identify trends and make business decisions.
• Personalization: Clients can deliver individualized user experiences with tailored recommendations and alerts.

Why this matters: Networks are growing their revenues beyond traditional payment rails through value-added services. In fiscal year 2025 Q3, Visa made 32%of its revenues—$1.028 trillion—in non-transaction-related activities. 

As businesses and consumers have more opportunities to pay by bank or with stablecoins, network players like Visa need to offer diverse services to maintain growth. 

Our take: VCS Hub shows how card networks can position themselves in the modern payment ecosystem. 

If AI and stablecoins significantly disrupt traditional payment rails, Visa can still offer essential commerce solutions to issuers and fintechs, with businesses benefiting from the convenience of gaining access to tools that otherwise would require a separate contract with another provider.

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