Value-added services Trends & Statistics
Fiserv revenues fall but earnings shows signs of Clover improvement
Organic sales fell 4%, with banking and financial units lagging despite AI-led efficiency plans
Visa and Mastercard note consumer resilience, wager on stablecoin and marketing solutions for growth
They see stablecoin rails as the future, with added services like marketing lifting revenues
Visa’s agentic commerce hub positions the network as an agentic middle man
The network giant is betting on easy integration to protect its dominance into the agentic era.
Mastercard debuts bespoke genAI model for fraud prevention
The foundational model can help predict future transactions from anonymized payments data.
Fiserv’s flat Q4 earnings suggest long road ahead for ‘One Fiserv’ strategy
After a bruising Q3, Fiserv’s new strategies show a path forward.
Strength in value-added services and commercial payments drive Visa’s Q1 2026 earnings success
International and commercial spending, along with value-added services, drove the network’s revenues.
Mastercard fails to capture full Capital One credit card renewal in otherwise solid Q4 2025 earnings
Consumer spending remained strong, but the network is losing its hold on Capital One’s credit program.
Visa’s Tap to Phone is reshaping the POS landscape
The explosion of softPOS is reshaping the POS landscape and forcing hardware and software providers to pivot
Visa leans into international, non-card payments to fuel growth
Holiday spend, international transactions, and non-card payments boosted growth
Mastercard’s Q4 card tie-ups can help offset potential losses from Capital One-Discover deal
Partnerships, non-card payments, and value-added services will help offset potential losses from the Capital One-Discover merger
Chewy, Petco lean into healthcare, services to drive growth
The pet adoption boom went bust: As the number of new pet owners normalizes, Chewy and Petco are looking to healthcare and services to drive growth.
Klarna’s profitability improvements set it up for a strong IPO next year
While it still faces hurdles, the company’s finances have improved markedly—setting it up for a strong IPO in 2025
Acquisitions will help Mastercard maintain Q3’s strong revenue growth
Recent acquisitions and service launches will help it maintain momentum
Visa plans layoffs despite strong end to FY 2024
Even so, it’s laying off workers as it dives into value-added services and non-card payments
Mastercard’s ID verification pilot makes buying age-restricted items easier
The service makes purchasing age-restricted items online easier and can help merchants speed up checkout times
Chase pioneers targeted in-app advertising with banking customer data
For a fee, the bank’s new media solutions team will let retailers target customers based on spending habits.
Key Participants in a Payment Transaction 2024
Acquirers, networks, and issuers each play distinct roles in the payments purchasing chain. But those roles are shifting as providers adapt to the rise of software and value-added services, increased payment method choice, and cloud-based innovation.
Small-Business Payment Disruptors
Increasing digitization among the 32 million US small businesses is changing the competitive landscape and forcing banks, acquirers, and fintechs to invest in next-generation features. These features range from payments and value-added services to outreach.
Powerful data and analysis on nearly every digital topic.
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