Smarter Stand-In Processing (STIP)
Smarter STIP helps improve payment experiences during outages by mirroring issuer approval decisions with up to 95% accuracy.1
Unlock intelligent payments at scale
VisaNet +AI is a set of network services that helps deliver smarter authorization, clearing, and settlement for banks, merchants, and consumers.
A new generation of faster, smarter services
We’ve invested in the platforms needed to execute complex AI models in milliseconds, enabling new capabilities across transaction flows with the speed and reliability of VisaNet.
Smarter Posting
Smarter Posting helps enable faster consumer payment experiences and reduce confusion from posting delays.
Smarter Settlement Forecast (SSF)
SSF, currently in pilot phase, helps optimize treasury operations by delivering daily settlement forecasts up to seven days in advance.
195% average accuracy observed in internal simulation of the Smarter STIP model offline on transactions in Q4 2019 for all Visa BINs globally.
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VisaNet is one of the world’s largest payment networks, enabling fast, secure, and reliable digital payments in more than 200 countries and territories.