Visa Debuts AI-Powered Commercial Solutions Hub

Visa introduced its Commercial Solutions (VCS) Hub, designed to offer issuers and FinTechs new commercial payment tools.

“Visa is not just modernizing commercial payments, we’re reinventing them,” Gloria Colgan, SVP and Global Head of Product, Visa Commercial Solutions, said in a news release announcing the hub Monday (Sept. 29). “With GenAI at the heart of the VCS Hub, we’re giving our partners the tools to amaze their clients, unlock new revenue streams and shape the future of money movement.”

According to the release, the platform offers users an end-to-end payables solution, allowing for full invoice and supplier payments, while also supporting flexible ad hoc payments to manage business needs.

“For embedded payments, seamless integration into accounting solutions is a core capability, making it easier and more secure for organizations to manage payments and focus on other essential business priorities,” the release added.

Visa says the VCS Hub will continue to expand and be enhanced with more commercial payment solutions and capabilities, with generative artificial intelligence (GenAI) at the core of this effort.

By combining fragmented systems into one ecosystem, the hub lets issuers and FinTechs bypass legacy limitations and “deliver truly differentiated value to their clients,” Visa said.

The VCS Hub is rolling out a time when AI has gone from being viewed as a “curiosity project” in the financial world to “operational plumbing” on Wall Street, as PYMNTS wrote recently.

“Payments firms are reaching the same inflection point,” that report added, citing a PYMNTS Intelligence survey that found that 98% of U.S. product leaders think that generative AI will reshape operations within three years.

As an example of this progression, Mastercard has introduced conversational AI for payments, embedding it directly into transactions “rather than treating it as an external add-on,” PYMNTS added, while Swift is experimenting with AI to spot cross-border fraud in real time.

“These are not experiments at the edges. They are examples of AI being woven in until it disappears into the workflow,” the report continued.

And the payments world has shown how invisible this AI integration can become, with large transaction models (LTMs) now securing payment flows in the background, constantly seeking patterns without requiring users to think about them.

“In that sense, AI does not feel like a discrete step. It feels like part of the infrastructure,” PYMNTS wrote.