V · Visa Inc. · Investor Relations

Two-thirds of U.S. consumers open to AI assistance this holiday season; Gen Z leads the way Fraud concerns remain top of mind with three-quarters of Americans taking precautions to safeguard themselves from losses SAN FRANCISCO--(BUSINESS WIRE)-- There may be a Secret Sant-AI behind your presents this year. New Visa research finds 41% of Americans wouldn't tell someone that AI helped choose their gift as more shoppers quietly hand AI the job of finding gifts and tracking down deals. More than half of U.S. adults (54%) have already used AI for at least one shopping task, up from 47% last year. The findings come from Visa's 2026 Holiday Spending Shift Survey, which polled more than 1,000 U.S. adults in late September in a survey commissioned by Morning Consult. The data paints a picture of consumers juggling persistent cost pressures, evolving technology and heightened fraud concerns, while still finding ways to check every box on their gift lists. “Consumers are approaching the holidays with both value and security in mind,” said Michael Brown, principal U.S. economist at Visa. “They’re looking for deals, experimenting with tools like AI and changing how they shop in response to fraud concerns. It’s a consumer who is adapting as the shopping experience itself continues to change.” AI Becomes a Holiday Helper Shoppers are most comfortable handing AI the practical tasks: comparing prices (61%), checking availability (59%), finding discounts (57%) and suggesting gift ideas (54%). Nearly a quarter say they're more comfortable using AI for shopping than they were last year. Gen Z is leading the shift. More than eight in 10 young consumers are open to AI assistance, and 73% would let it suggest gift ideas — 19 points higher than adults overall. But there's a gap between browsing and buying. While consumers are increasingly comfortable using AI assistants for discovery, research and decision-making, trusting one to make a purchase is a bigger leap — only 23% of U.S. consumers trust GenAI to handle payment transactions on their behalf, according to the Visa Trust Index . It's a familiar pattern: the technology often arrives before consumers fully trust the experience, similar to when payments moved online and again when commerce went mobile. What shifts the equation? Familiar brands. The Visa Trust Index found that 61% of consumers trust Visa to secure an AI-powered payment — rising to 68% among 18–34-year-olds and 71% among frequent AI users. As agentic commerce grows, that confidence may be what bridges the gap between AI as a shopping assistant and AI as a shopping agent. Shoppers Stretch Budgets as Costs Stay Top of Mind Cost-conscious shopping isn't going anywhere. Eighty-four percent of consumers say they've taken at least one action to manage higher everyday costs in the past year — most commonly hunting for discounts (47%), cutting discretionary spending (35%) and trading down to lower-cost brands (33%). Experiences Top Wish Lists, But Physical Gifts Win Wallets Besides cash, when it comes to gifts, Americans are dreaming of experiences. Travel (60%) and live-event tickets (55%) top the list of what people are most excited to give or receive. But actually buying gifts tells a different story. Only 15% of respondents are prioritizing experiences, while 27% are focused on physical items. Gen Z comes closest to aligning their wallets with their wishes-- 39% are splitting spending evenly between the two, compared to 26% of all adults. FIFA World Cup 2026 ™ Fever Shapes Gift-Giving The FIFA World Cup 2026 ™ is leaving its mark on holiday lists. Nearly a third of Americans say the tournament has boosted their interest in sports-related gifts, a figure that climbs to about half among households earning $100,000 or more and adults under 35. Cross-Border Shopping Goes Mainstream Three in 10 Americans expect to buy at least one gift from an overseas seller this season. Among Gen Z, it's more than half. The draw isn't just price. Quality

SAN FRANCISCO--(BUSINESS WIRE)-- Visa (NYSE: V) today announced its fiscal fourth quarter and full-year 2026 financial results through an earnings release that will be furnished with the Securities and Exchange Commission on a Form 8-K and available on its Investor Relations website at investor.visa.com/financial-information/quarterly-earnings/default.aspx . Visa will host a live audio webcast at 2:00 p.m. Pacific Time (5:00 p.m. Eastern Time) to discuss these financial results. The webcast and all related materials can also be accessed through Visa’s Investor Relations website at investor.visa.com . About Visa Visa (NYSE: V) is a world leader in digital payments, facilitating transactions between consumers, sellers, financial institutions and government entities across more than 200 countries and territories. Our mission is to connect the world through the most innovative, convenient, reliable and secure payments network, enabling individuals, businesses and economies to thrive. We believe that economies that include everyone everywhere, uplift everyone everywhere and see access as foundational to the future of money movement. Learn more at Visa.com . Investor Relations: Jennifer Como, 650-432-7644, InvestorRelations@visa.com Media Relations: Fletcher Cook, 650-432-2990, Press@visa.com Source: Visa Inc.

SAN FRANCISCO--(BUSINESS WIRE)-- Visa (NYSE: V) today announced its participation in the following investor conferences. On Monday, November 9, Chris Suh, Chief Financial Officer, will present at the Citi FinTech Conference. The discussion will begin at 9:00 a.m. Eastern Time and last for approximately 35 minutes. On Tuesday, November 10, Andrew Torre, President, Value-Added Services, will present at the KBW Fintech Ecosystem Conference. The discussion will begin at 1:55 p.m. Eastern Time and last for approximately 40 minutes. On Tuesday, December 1, Mr. Suh will present at the UBS Global Technology and AI Conference. The discussion will begin at 8:15 a.m. Mountain Time and last for approximately 30 minutes. On Tuesday, December 8, Ryan McInerney, Chief Executive Officer, will present at the Wells Fargo TMT Summit. The discussion will begin at 8:00 a.m. Pacific Time and last for approximately 35 minutes. Listen-only audio webcasts and replays will be accessible for 30 days following each event and available on the Investor Relations website at investor.visa.com . About Visa Visa (NYSE: V) is a world leader in digital payments, facilitating transactions between consumers, sellers, financial institutions and government entities across more than 200 countries and territories. Our mission is to connect the world through the most innovative, convenient, reliable and secure payments network, enabling individuals, businesses and economies to thrive. We believe that economies that include everyone everywhere, uplift everyone everywhere and see access as foundational to the future of money movement. Learn more at Visa.com . Investor Relations: Jennifer Como, 650-432-7644, InvestorRelations@visa.com Media Relations: Fletcher Cook, 650-432-2990, Press@visa.com Source: Visa Inc.

New offerings include enhanced supplier-spend analytics, virtual-card fraud prevention capabilities and a live pilot enabling trusted AI agents to complete B2B invoice payments SAN FRANCISCO--(BUSINESS WIRE)-- Visa (NYSE: V) announced three capabilities across commercial card growth, virtual card security and agentic commerce for commercial payments. The capabilities are designed to help financial institutions, fintechs and businesses automate payment processes while maintaining the trust, visibility and control those transactions require for the future. The enhanced capabilities include: SESA 2.0, the next generation of Supplier Enablement Spend Analytics, uses AI-driven spend analysis and predictive insights to help clients identify high-potential supplier opportunities. The enhanced platform helps organizations prioritize resources, focus enablement efforts and estimate the economic value of their commercial card program. Visa Commercial Fraud Solutions , a new suite of capabilities designed to help issuers and businesses validate suppliers, authenticate virtual-card payment activity and apply controls before a payment is approved. A live agentic pilot with BILL and Billtrust that enables trusted AI agents to initiate and help complete approved invoice payments through supplier portals, using Visa Intelligent Commerce and Visa’s Trusted Agent Protocol. “Businesses are moving quickly to automate the work around payments, from identifying supplier opportunities to approving invoices and executing transactions,” said Darren Parslow, global head of Visa Commercial Solutions. “These capabilities are designed to help them do that with the data, security and controls they need - whether they are growing commercial card acceptance, helping protect virtual-card payments from fraud, or testing how trusted AI agents can act on their behalf.” Helping financial institutions find commercial card growth Visa today announced the next generation of Supplier Enablement Spend Analytics, SESA 2.0. Building on four years of experience in helping financial institutions evaluate supplier payment opportunities, SESA 2.0 combines AI-driven supplier scoring, Visa commercial payments data, buyer benchmarks and business-value modeling. Together, these capabilities help financial institutions identify suppliers that may be more likely to accept commercial card payments and estimate potential commercial card growth opportunities. Since launch, SESA has helped financial institutions uncover more than $600 billion in potential cardable spend. 1 As business payments become more digital, financial institutions need both a clear view of where card acceptance opportunities may exist and the information to evaluate those opportunities with confidence. Enhanced visibility into card acceptance can help suppliers and buyers make more informed decisions as they modernize payment flows. Strengthening trust in commercial virtual card payments Visa today announced Visa Commercial Fraud Solutions, a suite of capabilities designed to help strengthen security across commercial virtual card payments and support more trusted, automated payment experiences. Juniper Research projects global B2B virtual card payment volume will reach $14.6 trillion by 2029, representing 83% of the global virtual card market. As adoption grows, organizations face increasing pressure to verify suppliers, authenticate users and help ensure payments are made as intended. Visa Commercial Fraud Solutions provides protection across three key stages of a commercial payment: Visa Commercial Supplier Validation helps verify payments are sent to the intended supplier. Visa Commercial Virtual Authentication helps verify commercial virtual card users through 3-D Secure authentication. V isa Commercial Payment Controls enables businesses to set transaction-level controls, including spend, merchant category, location and timing parameters. Visa Commercial Payment Controls are available in supported countri

Demonstrates how trusted AI agents are moving beyond automation to act on behalf of buyers and suppliers in real-world commercial transactions. LAS VEGAS--(BUSINESS WIRE)-- Visa (NYSE: V), BILL (NYSE: BILL) and Billtrust today announced they have launched the first live pilot to enable trusted AI agents to initiate and complete approved buyer invoice payments end-to-end through supplier portals. Until now, many payment portals relied on human authentication requirements that limited how approved payments could be automated. Together, with leading accounts payable and receivable solutions providers BILL and Billtrust, the Visa Intelligent Commerce TM portfolio helps bridge that gap. Leveraging offerings such as Visa Trusted Agent Protocol, AI agents can now be securely authenticated to credentialed portals. As a result, buyer payments that previously relied on manual entry can be completed by trusted AI agents, while preserving supplier control and oversight. How trusted AI agents are overcoming one of payment automation’s biggest barriers The flow begins when the authorized BILL Payment Agent — registered using Visa’s Trusted Agent Protocol and Agentic Directory — uses tokenized payment credentials and controls aligned with the buyer’s approved payment instructions to issue payments on behalf of BILL's customers. Supported by capabilities within the Visa Intelligent Commerce (VIC) portfolio, this enables BILL to securely automate card payments for supplier invoices. Once the payment is initiated, Billtrust leverages Visa's Trusted Agent Protocol to recognize, authenticate, and grant access to the authorized agent enabling BILL to complete the invoice payment on the customer's behalf. This agent authentication can satisfy the site protections historically provided by CAPTCHA and other bot blocking mechanisms, without requiring an additional agent login. As a result, Billtrust customers can receive fast portal payments in accordance with their acceptance policy, which can help accelerate cash flow. “Businesses should not have to choose between automation and control when making payments,” said Mark Nelsen, SVP and Head of Product, Commercial & Money Movement Solutions, Visa. “This pilot applies agentic commerce to a real B2B-payment problem, by having trusted agents complete payments across platforms. Working with BILL and Billtrust, we are testing how identity, payment controls and transaction visibility can make that model work.” Building trust into agent-initiated B2B payments Drawing on capabilities within the Visa Intelligent Commerce portfolio, including Visa's Trusted Agent Protocol, the pilot enables: A recognized and authenticated AI agent acting on behalf of an identified buyer Tokenized payment credentials rather than shared supplier-portal logins Payment controls tied to the customer’s approved payment instruction A purpose-built payment path tied to the specific invoice Visibility into the authorization and completion of the payment "Nearly 500,000 businesses trust BILL to move, manage and maximize their money, and that trust depends on removing friction without sacrificing accuracy and security of supplier payments. For too long, supplier portals have been friction points, requiring a person to manually complete what should be an automated step,” said Archana Prasad, SVP of Payments and Financial Services at BILL. “With Visa and Billtrust, BILL’s AI-powered payments technology is closing that gap: the payment gets done, the supplier gets paid faster, and finance teams get their time back." For suppliers using Billtrust, the pilot creates a way to recognize and accept payments initiated by trusted business agents, helping release trapped cash while retaining the information needed to process and reconcile the payment within their existing payment acceptance policy. For buyers using BILL, automating this last manual step can give finance teams back the time they'd spend manually keying information into supplier payme

Inyo Global becomes the first enabler to bring Visa Direct's stablecoin-enabled prefunding into production, making stablecoin-powered money movement available for businesses that run cross-border payments through Visa Direct. SAN FRANCISCO--(BUSINESS WIRE)-- Today, Visa (NYSE: V) announced the next phase of its stablecoin strategy as Visa Direct stablecoin capabilities advance from pilot stage to commercial deployment. The milestone marks an important step in bringing stablecoin-enabled money movement into real-world commercial operations. In the initial rollout, Inyo Global, a Visa Direct processor, is the first enabler of this new offering, powering it for eligible Visa Direct clients and partners 1 . Over the past year, Visa Direct has worked with clients and partners to explore how stablecoins can help improve the way businesses fund and move money across borders. As interest in faster, more flexible just-in-time funding solutions continues to grow, Visa is now seeing those efforts move beyond experimentation and into day-to-day business operations. As part of this next phase, Visa is working with Inyo Global, a payments infrastructure provider serving money transmitters, fintechs, banks and payment businesses, to bring Visa Direct's stablecoin-enabled prefunding to market. Inyo has integrated the capability into its platform, giving the businesses it serves the option to prefund cross-border payouts through Visa Direct with USDC in near real time, rather than relying solely on traditional funding windows 2 . Through a single connection, Inyo's platform lets businesses onboard users, manage fraud and compliance, accept payments and send domestic and international payouts across more than 180 countries, powered by Visa Direct. "The next chapter for stablecoins is adoption," said Vira Platonova, Global Head of Visa Direct. "Over the last several years, we've worked with several partners and clients to explore how these technologies can improve money movement. We're now seeing those efforts translate into live implementations, helping businesses access more flexible and efficient ways to fund and move money globally through Visa Direct, starting with Inyo Global as our first enabler." Visa Direct Head Vira Platonova will discuss how stablecoins are reshaping global money movement during several Money20/20 USA sessions next week. From Pilot to Production In 2025, Visa introduced stablecoin prefunding and payout pilot programs through Visa Direct. The pilots demonstrated how stablecoins could support cross-border funding, liquidity management and global money movement for eligible clients. Today, those capabilities are moving from pilot programs and into real-world commercial operations. Inyo Global is the first enabler to bring Visa Direct's stablecoin prefunding capability into commercial production. "Innovation in money movement is ultimately about creating a better experience for customers, and that's exactly our focus at Inyo," said Robson Dantas, Chief Product and Technology Officer and co-founder at Inyo Global. "By integrating Visa Direct's stablecoin-enabled prefunding into the Inyo platform, we're giving the money transmitters, fintechs and payment companies we serve a new way to fund their payouts, one that is available around the clock and runs through the same Inyo APIs they already use." The implementation builds on Visa's broader efforts to connect traditional payment infrastructure with blockchain-enabled technologies. By offering stablecoin funding and moving money, Visa is helping clients explore new ways to improve efficiency while maintaining the reliability, security and scale of Visa's global network. Visa’s work with Inyo Global reflects growing demand for stablecoin-powered solutions that can help businesses manage liquidity, fund payment activity and move money internationally with greater speed and flexibility. As adoption continues to accelerate, Visa is working with clients and partners to bring stab

SAN FRANCISCO--(BUSINESS WIRE)-- Visa (NYSE:V), a global leader in digital payments, today announced that it has received approval of its Application to Prepare from the People’s Bank of China (PBOC), which allows the company to begin formal preparations to establish a domestic bankcard clearing institution in China. This marks an important milestone toward the company serving China’s domestic payments market. “The approval of our Application to Prepare marks a significant step forward in Visa’s long-standing commitment to China. We greatly appreciate the important role of the leaders of the United States and China in pursuing a constructive and strategically stable relationship between the world’s largest economies,” said Ryan McInerney, Chief Executive Officer of Visa. “For more than 40 years, Visa has been an active contributor to China’s dynamic payments landscape. We look forward to taking the necessary steps in the process, pursuant to the PBOC’s regulations, to begin operating domestically in China.” China is one of the world’s most advanced and dynamic digital payments markets, supported by a highly innovative ecosystem and continued commitment to further financial sector liberalization. Visa looks forward to bringing its world-class innovation, security and reliability to Chinese consumers and businesses, contributing to the continued development of China’s domestic payments landscape. Visa will continue its efforts to complete the process and begin domestic bankcard clearing operations in China. About Visa Visa (NYSE: V) is a world leader in digital payments, facilitating transactions between consumers, sellers, financial institutions and government entities across more than 200 countries and territories. Our mission is to connect the world through the most innovative, convenient, reliable and secure payments network, enabling individuals, businesses and economies to thrive. We believe that economies that include everyone everywhere, uplift everyone everywhere and see access as foundational to the future of money movement. Learn more at Visa.com . Media Contacts: Fletcher Cook, 650-432-2990, Press@visa.com Kara-Mae Lim, karlim@visa.com Source: Visa Inc.

SAN FRANCISCO--(BUSINESS WIRE)-- Visa (NYSE: V) will report its fiscal fourth quarter and full-year 2026 financial results on Tuesday, October 27, 2026. After market close, Visa will furnish the results with the Securities and Exchange Commission and post them, along with accompanying financial information, on the Visa Investor Relations website. Visa will issue a news wire alert when the earnings materials are publicly available, including a link to those documents. Visa’s executive management team will then host a live audio webcast beginning at 2:00 p.m. Pacific Time (5:00 p.m. Eastern Time) to discuss financial results and business highlights. All interested parties are invited to listen to the live webcast at investor.visa.com . A replay of the webcast will be available on the Visa Investor Relations website for 30 days. Visa is currently in its customary “quiet period” during which time company executives will not be interacting with the investment community. This quiet period will be in place until fiscal fourth quarter and full-year 2026 earnings are publicly available on October 27, 2026. About Visa Visa (NYSE: V) is a world leader in digital payments, facilitating transactions between consumers, sellers, financial institutions and government entities across more than 200 countries and territories. Our mission is to connect the world through the most innovative, convenient, reliable and secure payments network, enabling individuals, businesses and economies to thrive. We believe that economies that include everyone everywhere, uplift everyone everywhere and see access as foundational to the future of money movement. Learn more at Visa.com . Investor Relations: Jennifer Como, 650-432-7644, InvestorRelations@visa.com Media Relations: Fletcher Cook, 650-432-2990, Press@visa.com Source: Visa Inc.

Visa’s portfolio of 13 team relationships brings fans closer to pro football culture in some of the sport’s most passionate markets SAN FRANCISCO--(BUSINESS WIRE)-- Visa (NYSE: V), a global leader in digital payments, is building a fan-first pro football platform designed to connect more directly with fans, teams, communities, and culture. The company is announcing new partnerships with the Los Angeles Rams, Los Angeles Chargers , Kansas City Chiefs, Washington Commanders, Dallas Cowboys, Houston Texans, and Philadelphia Eagles , and long-term renewals with the San Francisco 49ers, New England Patriots, Buffalo Bills, and Pittsburgh Steelers, alongside current partnerships with the Chicago Bears and Baltimore Ravens . By building a portfolio of team relationships, Visa is able to create deeper engagement where fandom is most personal: in local markets, communities, and shared experiences. Through these partnerships, Visa will engage fans through game-day experiences, community programs, athletes and creators, client activations, and innovative commerce experiences that bring fans closer to the teams they love. As pro football drives commerce moments across travel, ticketing, dining, merchandise, and entertainment, Visa will help clients and merchants connect with fans and participate in those moments throughout the season through these team relationships. At every touchpoint, Visa’s trusted global network helps make those experiences more seamless, secure, and reliable — whether fans are buying game-day gear, grabbing food with friends, or traveling to cheer on their team. “We are building partnerships that help Visa bring fans closer to the people and communities driving culture across music, gaming, entertainment, and, of course, sports. From pro football to the Olympic and Paralympic Games, to the FIFA World Cup™ to Red Bull Racing, these partnerships give us opportunities to engage with fans around the moments and experiences they care about most,” said Frank Cooper III, Chief Marketing Officer, Visa. “Our focus is on creating meaningful participation, not just visibility. These team relationships give us new ways to connect with fans through experiences, commerce, community, and the moments that make football one of the most influential cultural forces in America.” Pro football is more than what happens on the field. It lives in neighborhoods, local businesses, rivalries, traditions, and communities across the country. Visa's growing team portfolio provides a platform to celebrate and support those connections while creating meaningful opportunities for fans, clients, and partners. Additional activations, experiences, and programs will be announced throughout the 2026 season. About Visa Visa (NYSE: V) is a world leader in digital payments, facilitating transactions between consumers, sellers, financial institutions and government entities across more than 200 countries and territories. Our mission is to connect the world through the most innovative, convenient, reliable and secure payments network, enabling individuals, businesses and economies to thrive. We believe that economies that include everyone everywhere, uplift everyone everywhere and see access as foundational to the future of money movement. Learn more at Visa.com. Press@visa.com Source: Visa Inc.

New Visa data shows nearly 17% 1 of stablecoin-linked card volume is occurring across business and commercial card programs, underscoring growing adoption of stablecoins for settlement, treasury management and cross-border commerce. SAN FRANCISCO & MIAMI--(BUSINESS WIRE)-- Today, Visa (NYSE: V) shared new data showing the growing adoption of stablecoins across business payments and commercial card programs, underscoring how stablecoins are increasingly being used as financial infrastructure. The findings come as businesses, financial institutions and payment providers increasingly explore stablecoins for settlement, treasury management, payouts and cross-border commerce. New Visa data shows: Approximately 17% of stablecoin-linked card volume in FY26 year-to-date occurred across business and commercial card programs. Visa today supports more than 160 stablecoin-linked card programs spanning consumer, business and commercial card activity. Payments volume across these programs has grown nearly 200% year over year. Businesses are increasingly exploring stablecoins for settlement, treasury management, payouts and cross-border commerce. "Businesses aren't looking for new payment technologies for the sake of innovation. They’re looking for trusted, reliable ways to move money," said Mark Nelsen, Global Head of Product, Commercial & Money Movement Solutions, Visa. "What's changing is that stablecoins are increasingly becoming part of the conversation around real business applications, from supplier payments and treasury operations to cross-border commerce." The Shift from Trading to Payments For years, stablecoins have been associated with trading activity within digital asset markets, helping users move between cryptocurrencies and transact on crypto exchanges. Today, businesses are increasingly putting stablecoins to work for payments, treasury operations and liquidity management. Recent industry research from Allium found that payments are now the fastest-growing stablecoin use case, with annual payments volume estimated between $401 billion and $527 billion. The largest business payment categories include service fees ($56 billion), payroll ($43 billion) and supplier payments ($28 billion) 2 . Among the payment flows analyzed, B2B payments had the highest cross-border share, with 43% of volume occurring across borders 3 . Visa is seeing that trend reflected across its own ecosystem. In FY26 year-to-date, approximately 17% of stablecoin-linked card volume occurred across business and commercial card programs, reflecting growing interest in stablecoins for settlement, treasury management and cross-border commerce. Supporting the Next Generation of Money Movement Visa continues to expand its stablecoin capabilities across settlement, money movement and payment acceptance. Through initiatives spanning stablecoin settlement, Visa Direct pre-funding and payouts, Visa is helping connect stablecoin innovation into real-world payment flows. About Visa Visa (NYSE: V) is a world leader in digital payments, facilitating transactions between consumers, sellers, financial institutions and government entities across more than 200 countries and territories. Our mission is to connect the world through the most innovative, convenient, reliable and secure payments network, enabling individuals, businesses and economies to thrive. We believe that economies that include everyone everywhere, uplift everyone everywhere and see access as foundational to the future of money movement. Learn more at Visa.com. 1 VisaNet data, FY26 year-to-date. Business and commercial activity determined using Visa's internal card program classifications 2 Allium, State of Stablecoins and Payments, Sep 2026 | Allium 3 Allium, State of Stablecoins and Payments, Sep 2026 | Allium . Cross-border share based on Allium's analysis of payment flows for which geographic attribution was available. Media Contacts press@visa.com Jackie Dresch Conor Febos Source: Visa Inc.

Visa Foundation is seeking high impact partners to help small business owners start and grow their businesses. Applications are now open. SAN FRANCISCO--(BUSINESS WIRE)-- Visa Foundation today announced a $2 million commitment to strengthen entrepreneurial support organizations (ESOs) serving small businesses across the United States. Through its first U.S. Request for Proposals, eligible organizations can apply for grants supporting programs that help small business owners build skills, access capital, adopt new technologies and pursue opportunities for growth. Small and medium-sized businesses represent more than 98 percent of enterprises in the United States, according to the U.S. Small Business Administration, but many continue to face barriers to growth and long-term resilience. Shifting costs and limited access to capital can make it difficult for businesses to invest. At the same time, advances in digital technology and artificial intelligence are increasing the need for modern tools and hands-on training. ESOs play an important role in helping business owners respond to these challenges. They serve as trusted sources of training, mentorship, funding and other practical assistance, often with deep knowledge of the communities and entrepreneurs they serve. Visa Foundation expects to select up to 12 eligible 501(c)(3) ESOs with a demonstrated commitment to small business success. Selected organizations will receive grants ranging from $100,000 to $250,000, based on the size and scope of their work. The funding is expected to enable these organizations to expand practical support for small businesses across all 50 states and U.S. territories. “At Visa Foundation, we believe that the right support at the right time can change the trajectory of a business,” said Najada Kumbuli, President, Visa Foundation. “We are proud to partner with organizations that understand the challenges of small business owners and have the expertise to deliver the practical support they need to scale.” ‘This effort complements Visa’s broader work to support small businesses across the United States through Visa & Main . Visa Foundation’s investment aims to strengthen entrepreneurial support networks that help small businesses grow and succeed. Together, these efforts help bring additional resources to organizations that small businesses rely on for guidance, connections and support. "Small businesses are the backbone of communities across the country,” said Kim Lawrence, Regional President of North America, Visa. “Through Visa & Main, we’ve seen firsthand the important role these organizations play in helping business owners navigate challenges and pursue growth opportunities. Visa Foundation’s investment strengthens this network of support and helps more entrepreneurs access the resources they need to succeed.” Applications must be submitted by October 21, 2026, at 12:00PM PT. For more information about the opportunity, complete eligibility requirements and application instructions, visit www.rockpa.org/visa-foundation/. About Visa Foundation Visa Foundation seeks to support inclusive economies where individuals, businesses and communities can thrive. Through grantmaking and investing, Visa Foundation prioritizes the resilience and growth of micro and small businesses around the world. The Foundation also supports broader community needs and disaster response in times of crisis. Visa Foundation is registered in the U.S. as a 501(c)3 entity. For more information visit Visa Foundation . About Visa Visa (NYSE: V) is a world leader in digital payments, facilitating transactions between consumers, sellers, financial institutions and government entities across more than 200 countries and territories. Our mission is to connect the world through the most innovative, convenient, reliable and secure payments network, enabling individuals, businesses and economies to thrive. Media Contact: Derek Walls dewalls@visa.com Source: Visa Inc.

Money Travels 2026 reveals how technology is reshaping global remittances, with stablecoin interest nearly doubling when hypothetical protections added Report also finds nearly half (44%) of Americans worry about AI deepfakes when sending money abroad, and 1 in 3 (36%) have already encountered cross-border payment scams SAN FRANCISCO--(BUSINESS WIRE)-- Visa Inc. (NYSE: V), a global leader in digital payments, today released Money Travels 2026, a global report on how technology is reshaping remittances. The research, which surveyed over 2,000 U.S. consumers, shows Americans want faster, cheaper ways to support family and friends abroad—but not at the cost of security. Stablecoins—digital currencies pegged to stable values like the U.S. dollar—are accounting for a growing share of cross-border money flows. The survey shows that consumer protections could unlock their adoption: in a hypothetical scenario with bank-level fraud protection and deposit insurance, U.S. adoption intent climbed from 36% to 56%. The provider matters too. Nearly two-thirds (64%) say trust depends more on who offers a payment method than on the tech itself. Willingness to use stablecoins rises from 36% to 45% when offered through an existing financial provider. Traditional banks and global payment networks lead on trust. Over six in ten U.S. consumers trust traditional commercial banks (61%) and global payment networks (60%) to provide digital currency services. Despite industry buzz, stablecoins remain unfamiliar to most American consumers—over half (56%) have never heard of them. Among those who have, misconceptions are common: many assume they fluctuate like Bitcoin. AI Scams Reach Remittances Over 1 in 3 (36%) have encountered a scam related to international money transfers. Top tactics include fake messages, account impersonation, and fake investment schemes. 1 in 4 (24%) received AI-generated messages that seemed real, and almost half (44%) are concerned about AI deepfakes impersonating family members. The stakes are high, with about 1 in 5 senders cutting their own spending to support family abroad. "Remittances are a lifeline—funding education, essentials, and investment back home," says Vira Platonova, Global Head of Visa Direct. "Our research shows what matters most to those who rely on that lifeline: trust. The future of the industry will be won by the providers that work hardest to earn that trust." To read the full Money Travels 2026 report, visit Visa.com . Note on Methodology Findings are based on self-reported consumer survey responses. Respondents received definitions of key terms, including stablecoins, before answering. Survey scenarios involving "bank-equivalent protections" are hypothetical; stablecoins are not currently covered by deposit insurance (e.g., FDIC). This report is for informational purposes only and does not constitute financial or legal advice. About the Study Money Travels 2026 was conducted by Morning Consult on behalf of Visa from February 24 to March 2, 2026. The U.S. sample includes 2,192 adults. Global findings are based on 45,445 respondents across 20 markets. About Visa Visa (NYSE: V) is a world leader in digital payments, facilitating transactions between consumers, sellers, financial institutions and government entities across more than 200 countries and territories. Our mission is to connect the world through the most innovative, convenient, reliable and secure payments network, enabling individuals, businesses and economies to thrive. Media Contact: Press@visa.com Source: Visa Inc.

New Visa Business and Economic Insights research finds consumers are increasingly shopping, streaming, dining and managing daily life from home, creating new opportunities for businesses that can deliver convenience and ongoing digital engagement. Digital commerce expanded across all six markets studied between 2019 and 2026. In three illustrative markets, the share of domestic payment volume occurring online and in-app rose from 48% to 58% in the U.S., 10% to 24% in Poland and 35% to 55% in the UAE. Streaming subscriptions now appear on a larger share of cards than cinema and concert spending across all markets studied. In the U.S., more than 17% of cards are used for streaming subscriptions, compared to roughly 6% of cards associated with cinema and concert spending. Food delivery has become a mainstream service embedded in everyday spending habits, with growth increasingly driven by mass-market consumers rather than high-income spenders. SAN FRANCISCO--(BUSINESS WIRE)-- New research from Visa Business and Economic Insights (VBEI) finds that consumers are increasingly shopping, dining, streaming and managing everyday activities from home, driving the rise of the “couch economy.” This trend is creating new opportunities for businesses as consumers increasingly expect products and services to fit seamlessly into their daily routines. The report, The Great Indoors: How the "Couch Economy" Is Redefining Consumer Spending Habits, examines spending trends across multiple markets and identifies a broader shift toward digital and home-centered consumption. While technological advances helped accelerate this trend, the research finds that consumer expectations around convenience, speed and seamless experiences are increasingly influencing purchasing decisions and business strategies. "The rise of the couch economy reflects a broader shift in consumer behavior that extends far beyond e-commerce," said Wayne Best, chief economist at Visa. "As technology continues to reduce friction in everyday activities, consumers are increasingly prioritizing convenience, driving more spending through digital channels, subscription services and delivery platforms. For businesses, understanding these evolving habits is essential to meeting customers where and how they choose to engage." Digital commerce is becoming part of everyday life In the U.S., the share of domestic payment volume occurring online and in-app increased from 48 percent in 2019 to 58 percent in 2026, underscoring the continued expansion of digital commerce in everyday spending. This extends beyond occasional online purchases: in the U.K., nearly 28 percent of cards now make 10 or more online or in-app purchases per month, up from 15 percent in 2018. In the UAE, the share rose from 4.5 percentage points to 25.7 percent over the same period. Subscriptions and delivery are winning share from traditional channels This shift is especially visible in entertainment, where at-home streaming now reaches a broader share of consumers than out-of-home cinema and concert spending across every market studied. In the U.S., more than 17% of cards have active streaming subscriptions compared to roughly 6% engaging in cinema and concert spending. Food delivery services have followed a similar trajectory. In the UAE, the share of cards active on food delivery apps increased from approximately 2 percent in 2018 to nearly 30 percent in 2026. "Across CEMEA, convenience has become a defining feature of modern consumer behavior," said Mohamed Bardastani, principal CEMEA economist at Visa. "Whether consumers are ordering meals, streaming content or shopping online, they're increasingly seeking services that fit seamlessly into their daily routines. Those same patterns are emerging across markets globally, underscoring the growing role convenience plays in shaping commerce." The opportunity for businesses extends beyond e-commerce As convenience becomes a default consumer expectation, businesses are competin

Consumers rank Visa as the most trusted brand to deliver AI-powered commerce. SAN FRANCISCO--(BUSINESS WIRE)-- Visa (NYSE: V) today announced the Visa Trust Index for agentic commerce, providing new insight into how consumers are navigating the next evolution of AI shopping and payments. While consumers are increasingly using AI across the shopping journey, only 23% of U.S. consumers trust GenAI to handle payment transactions on their behalf. However, confidence in agentic commerce shifts when payments brands come into consideration. Visa emerged as the most trusted brand for AI-powered payments with 61% of respondents saying they would trust Visa to handle agentic transactions. The findings suggest that while consumers are intrigued by agentic commerce, trust remains the key factor determining whether adoption moves from possibility to reality. "AI has the potential to fundamentally reshape how people discover, buy and pay for goods and services, much like e-commerce and mobile commerce did before it," said Oliver Jenkyn, Group President, Visa. "While we're still in the early days, trust will be foundational to driving agentic commerce adoption. Consumers will increasingly look to trusted payment experiences and brands as they deploy AI agents to shop on their behalf.” Trust Will Unlock the Promise of Agentic Commerce The Visa Trust Index found that consumer adoption of AI is already widespread, with 72% of consumers having used an AI assistant. Yet when it comes to agentic commerce, trust becomes increasingly important in the path to adoption. As AI continues to change the way people discover and shop, trust will shape how they pay. Visa’s research looked across multiple sectors, including payments, technology and social media, and found that Visa was the most trusted brand for AI-powered payments among respondents surveyed. Visa maintained this leadership across key demographic groups, rising to 68% among consumers ages 18 to 34 and 71% among frequent AI users. The findings suggest that consumers distinguish between the AI tools they use and the payment brands they trust. While consumers may engage with a range of AI assistants and platforms, trusted payments remain central to their willingness to complete transactions in agentic environments. "Throughout every major shift in commerce, from the growth of e-commerce to the rise of mobile payments, trust provides stability and certainty to consumers as the world changes around them," Jenkyn said. Building the Foundation for AI-Powered Commerce For more than 60 years, Visa has helped enable new forms of commerce by delivering the security and reliability consumers expect when making payments. As agentic commerce continues to evolve, Visa is working with partners across the ecosystem to help establish the capabilities, standards and infrastructure needed to support secure, permissioned agent-initiated transactions. Through Visa Intelligent Commerce and related initiatives, Visa is helping prepare the payments ecosystem for the next generation of digital commerce through technologies that support secure transactions, identity verification, authentication, and consumer controls. According to the Visa's Trust Index, consumers are beginning to define what they expect from the companies that will help power the next era of commerce. As AI transforms how people discover, shop, and transact, Visa will continue to track consumer sentiment and help build the trusted foundation for the future of commerce. Learn more about Visa's leadership in building the trusted infrastructure for agentic commerce at Visa Payments Frontier and on the Visa Newsroom . Methodology This survey was conducted on behalf of Visa by the Harris Poll using its Omnibus survey platform - a recurring bi-weekly survey tool that can accommodate ad hoc questions at a moment’s notice for quick turnaround. The survey was fielded May 26 - 28, 2026, in the United States. Respondents are matched to the US General Adult popul

SAN FRANCISCO--(BUSINESS WIRE)-- Visa (NYSE: V), a global leader in digital payments, and the International Finance Corporation (IFC), a member of the World Bank Group focused on the private sector, are partnering on an innovative risk-sharing initiative designed to help expand financial inclusion by increasing access to digital financial services in emerging markets. Under the agreement, IFC will share credit settlement risk for Visa transactions associated with enrolled financial institutions, enabling these institutions to connect more underbanked consumers and small businesses to digital payments. The facility is expected to support approximately $200 million in risk sharing over five years, with an initial focus on 14 countries in Latin America and the Caribbean and reach approximately 50 financial institutions with below-investment grade ratings. Together, Visa and IFC aim to help financial institutions enable millions more people and small businesses to save, spend, borrow, grow, and participate more fully in the formal economy. “Access to digital payments can help unlock economic opportunity,” said Paul Fabara, Visa’s Chief Risk and Client Services Officer. “Through this first-of-its-kind partnership with IFC, Visa will help financial institutions bring secure and reliable payment solutions to more people and small businesses in emerging markets. Together, we can expand financial inclusion and help more communities participate in and benefit from the global economy.” “This initiative exemplifies the power of innovation and partnership to expand economic opportunity where it is needed most,” said Mohamed Gouled, IFC’s Vice President of Products & Clients. “By reducing constraints that limit the participation of financial institutions, we are enabling greater access to digital payment solutions for small businesses and entrepreneurs across emerging markets. This will help them reach new customers, scale their operations, and create jobs. Ultimately, this is how financial inclusion drives sustainable growth and delivers lasting impact.” Digital financial services can help increase the speed, security, and transparency of transactions, while giving consumers and businesses more ways to participate in the global economy. By helping financial institutions access Visa’s global network, this partnership will support broader participation in digital payment ecosystems across emerging markets. About Visa Visa (NYSE: V) is a world leader in digital payments, facilitating payments transactions between consumers, merchants, financial institutions and government entities across more than 200 countries and territories. Our mission is to connect the world through the most innovative, convenient, reliable and secure payments network, enabling individuals, businesses and economies to thrive. We believe that economies that include everyone everywhere, uplift everyone everywhere and see access as foundational to the future of money movement. Learn more at Visa.com . Media Contact press@visa.com Source: Visa Inc.

By combining VisaNet settlement data with blockchain lending, Visa is helping its partners unlock new financing opportunities for stablecoin-linked card programs. SAN FRANCISCO--(BUSINESS WIRE)-- Today, Visa (NYSE: V) announced a new approach to onchain credit designed to help stablecoin-linked card programs and fintechs access working capital using onchain lending infrastructure and Visa data. Onchain lending has emerged as one of the fastest-growing segments of digital finance. According to the Visa Onchain Analytics Dashboard , since 2020, more than $694 billion in stablecoin-denominated loans have been sent through onchain lending protocols, creating a global credit market that operates 24/7. Yet much of that activity remains concentrated within crypto markets and hasn’t meaningfully supported the businesses and payment experiences people use every day. Visa is helping bridge that gap by combining VisaNet settlement data with onchain credit infrastructure. This information can help lenders better understand how a program is operating, making it easier to evaluate financing opportunities that fit their needs and extend capital to support their goals. "Stablecoins are not only changing how money moves, they're creating opportunities to rethink the financial infrastructure that supports payments," said Rubail Birwadker, Global Head of Growth Products and Partnerships, Visa. "We're seeing how trusted payment data and onchain technologies can work together to unlock new forms of liquidity, helping businesses access capital in ways that are more transparent, programmable and aligned to the speed of modern commerce." The announcement builds on Visa's broader stablecoin strategy, which includes the recent launch of Visa Stablecoin Platform , enabling stablecoin settlement, expanding stablecoin-linked card programs, and helping financial institutions access new digital asset capabilities. Today, more than 160 stablecoin-linked card programs operate on Visa's network, with payment volume on those programs growing nearly 200% year over year. Visa's stablecoin settlement volume recently surpassed a $20 billion annualized run rate, up more than 15x year-over-year. For many emerging payment companies, obtaining working capital can be difficult during periods of rapid growth. Traditional financing structures often require significant scale, operating history or manual underwriting processes before credit becomes available. Visa believes blockchain-based lending infrastructure, supported by trusted payment data, can help address these challenges while introducing greater transparency and efficiency. An early example of this model is Visa's work with Credit Coop , which provides working capital and settlement financing for stablecoin-linked card programs using smart contracts to automate funding, collateral management and repayment. With customer authorization, Credit Coop combines Visa settlement data with onchain transaction records to help assess credit performance and support automated settlement financing. To date, the model has supported more than $2.5 billion in cumulative financed settlement volume since 2023 with zero defaults across participating facilities. The infrastructure has also processed more than 3,000 borrow events and 9,000 repayment events programmatically onchain, creating a transparent and auditable record of financing activity. "Payment companies have always had good collateral in their settlement receivables, but no way to show lenders how it performs in real time," said Chris Walker, Founder and CEO, Credit Coop. "By combining Visa settlement data with onchain infrastructure, we can evaluate live performance, enforce repayment from the settlement flow and extend capital onchain from participating lenders as a program grows." Visa views onchain credit as a natural extension of its broader efforts to bridge traditional financial infrastructure with emerging digital asset technologies. As digital payment ecosystems

New unified fraud score is the company’s first combined offering in-market since Visa’s acquisition of Featurespace A2A Protect has been shown to reduce over 50% more fraud and help reduce over 40% in unnecessary fraud alerts SAN FRANCISCO--(BUSINESS WIRE)-- Visa (NYSE: V), a world leader in digital payments, today announced an enhanced version of A2A Protect, delivering real-time risk insights that help banks stop account-to-account fraud before money leaves customer accounts. The expanded solution introduces a new unified fraud score—Visa’s first in-market integration of Featurespace technology—giving financial institutions faster, clearer signals to detect more fraud while reducing unnecessary alerts. As account-to-account (A2A) payments accelerate globally, A2A transactions are projected to surpass 5.8 trillion by 2028, a 160% increase from 2024 1 . A2A Protect leverages advanced AI and sophisticated transfer learning and gives banks immediate access to critical global risk insights on A2A transactions, without waiting months for models to develop intelligence from a bank’s own transaction data, and without having to wait for other banks to join a consortium, delivering results and value from day one. Banks that opt in can incorporate additional network-level signals to enhance detection of emerging threats operating across the ecosystem. “Fraudsters move fast across payment types, and financial institutions need risk insights just as quickly, without slowing down legitimate payments,” said James Mirfin, Head of Risk and Security Solutions, Visa. “A2A Protect combines Visa’s network expertise with Featurespace’s technology to deliver a powerful new layer of protection that helps financial institutions detect more fraud, earlier.” For financial institutions that opt into network level intelligence sharing, A2A Protect highlights emerging scam hotspots and coordinated fraud activity – insights that may be difficult for individual financial institutions to detect alone, and that help the wider ecosystem respond faster to new threats. This gives financial institutions a more complete and early view of risk, helping to identify scams before authorization. In fact, Visa A2A Protect has been shown to increase fraud detection by 75% in the first six months of deployment. A2A Protect integrates with financial institutions’ current systems through a single API, reducing implementation time and complexity. Each alert includes a plain language explanation of why a transaction was flagged, helping fraud teams act quickly and confidently without disrupting genuine customers. For more information on how Visa works to prevent fraud across the ecosystem, visit Visa.com/security. About Visa Inc. Visa (NYSE: V) is a world leader in digital payments, facilitating payments transactions between consumers, merchants, financial institutions and government entities across more than 200 countries and territories. Our mission is to connect the world through the most innovative, convenient, reliable and secure payments network, enabling individuals, businesses and economies to thrive. We believe that economies that include everyone everywhere, uplift everyone everywhere and see access as foundational to the future of money movement. Learn more at Visa.com . ____________________ 1 Juniper Research, Global Instant Payments Market Report , September 2025 Media Contact press@visa.com Source: Visa Inc.

Latest Visa Vulnerability Agentic Harness release moves AI-powered cyber risk management from discovery to validated remediation New services from Visa Consulting & Analytics help clients identify the vulnerabilities that matter most and act before bad actors do SAN FRANCISCO--(BUSINESS WIRE)-- Visa (NYSE: V) today announced enhancements to its cybersecurity portfolio to help organizations identify and fix vulnerabilities more effectively. Unveiling the next evolution of the Visa Vulnerability Agentic Harness (VVAH), its open-source, model-agnostic framework, Visa is helping organizations significantly reduce the Mean Time to Adapt (MTTA), the time between discovery and resolution of attack paths, with some resolutions shrinking from weeks to hours. And to help clients navigate this evolving threat landscape, Visa also announced the expansion of its Visa Consulting & Analytics (VCA) Cybersecurity Advisory Practice with new advisory services designed to help clients assess risk, prioritize remediation efforts and strengthen resilience in an evolving threat environment. "AI is compressing the time between vulnerability discovery and exploitation, which means defenders need a faster, more reliable path to action," said Rajat Taneja, President, Technology, Visa . "By advancing VVAH and expanding our cybersecurity advisory capabilities, we're helping organizations move from insight to validated remediation while strengthening resilience in an increasingly AI-driven threat landscape." Expanding VVAH Originally released following Visa's participation in Anthropic's frontier AI cybersecurity initiative, Project Glasswing, VVAH demonstrated how AI can help security teams uncover vulnerabilities, assess exploitability and generate structured findings. The latest release extends that workflow beyond discovery into remediation and validation. Key enhancements include: Closed-loop remediation: Structured feedback helps teams refine fixes that fail validation without restarting the process. Flexible model choice: Organizations can now deploy approved Anthropic models and OpenAI models, in addition to any other AI model through configuration rather than code changes. Greater visibility: Optional real-time progress views provide additional transparency into long-running scans and remediation workflows. The framework is designed to help organizations discover, triage, remediate and validate vulnerabilities within a single structured workflow. New Cybersecurity Services To help organizations operationalize those insights, Visa Consulting & Analytics is introducing three new cybersecurity advisory services informed by Visa's experience in AI-powered security: AI Cyber Leadership Education – Executive workshops, trainings and Visa University certification courses led by Visa's AI and cybersecurity specialists, sharing lessons from Visa’s experience with frontier AI cybersecurity, helping leaders prepare for an increasingly AI-driven threat environment. VVAH-Informed Cybersecurity Maturity Assessment – Helps organizations apply VVAH framework to identify and evaluate potential vulnerabilities, understand areas of risk and prioritize remediation efforts. VVAH Cyber Risk Prioritization and Roadmap – Provides strategic guidance to help organizations evaluate findings, prioritize remediation efforts, and develop a long-term cyber risk management roadmap. "Finding vulnerabilities is no longer the hardest part. Speed to remediation is the new battleground. When AI-enabled attackers move faster and probe at scale, companies need AI-powered defenses," said Carl Rutstein, global head of Visa Consulting & Analytics . "Our enhanced cybersecurity advisory services combine insights from implementing frontier AI models for cybersecurity, VVAH, and decades of payments expertise to help clients prioritize risk areas, act quickly and build sustainable cyber resilience." Over the past year, Visa Consulting & Analytics' Cybersecurity Advisory Practice has supported

SAN FRANCISCO--(BUSINESS WIRE)-- Visa (NYSE: V) today announced its participation in the following investor conference. On Tuesday, September 8, Ryan McInerney, Chief Executive Officer, will present at the Goldman Sachs Communacopia + Technology Conference. The discussion will begin at 1:05 p.m. Pacific Time and last for approximately 35 minutes. A listen-only audio webcast and replay will be accessible for 30 days following the event and available on the Investor Relations website at investor.visa.com . About Visa Visa (NYSE: V) is a world leader in digital payments, facilitating transactions between consumers, sellers, financial institutions and government entities across more than 200 countries and territories. Our mission is to connect the world through the most innovative, convenient, reliable and secure payments network, enabling individuals, businesses and economies to thrive. We believe that economies that include everyone everywhere, uplift everyone everywhere and see access as foundational to the future of money movement. Learn more at Visa.com . Investor Relations: Jennifer Como, 650-432-7644, InvestorRelations@visa.com Media Relations: Fletcher Cook, 650-432-2990, Press@visa.com Source: Visa Inc.

BioCatch’s behavioral and device intelligence expertise expected to help detect scams, account takeovers and digital fraud before they happen SAN FRANCISCO & TEL AVIV, Israel--(BUSINESS WIRE)-- Visa (NYSE: V) today announced it has signed a definitive agreement to acquire BioCatch, a leading provider of behavioral-first, multi-signal fraud intelligence, from funds advised by Permira and other shareholders for $2.4 billion in cash. The acquisition of BioCatch complements Visa’s existing cyber, fraud, risk and security solutions and is expected to help clients better protect themselves and their customers from the growing threat of account takeovers, scams, money mules and application fraud. Since its inception, BioCatch has developed innovative AI and machine learning-based solutions that analyze thousands of application, behavioral, device, and network signals—such as keystrokes, touch gestures, and device handling—to detect fraud and distinguish legitimate users from fraudsters in real time. BioCatch protects 1.8 billion devices and 760 million users around the world, serving more than 350 banking clients in 21 different countries, including more than 100 of the largest banks globally. “Account takeovers and scams cost the global economy over $1 trillion annually and AI is enabling these attacks at unprecedented scale,” said Andrew Torre, president of value-added services, Visa. “BioCatch will help our clients stop fraud before it reaches the point of payment. This acquisition is part of our strategy to help clients prevent cyber threats upstream, building trust into every transaction.” AI, biometrics, authentication, identity, cyber defense and fraud prevention are increasingly interconnected, and Visa is investing to stay ahead of evolving threats, both to protect its own network and to help clients do the same. That includes the Visa Vulnerability Agentic Harness , an open-source AI security tool designed to help clients identify and remediate vulnerabilities at scale. The acquisition of BioCatch builds on Visa's existing suite of products, providing AI-powered solutions to detect and prevent fraud and both cyber and financial crime, from account opening to transactions. Over the last five years, Visa has invested more than $13 billion in technology and infrastructure to safeguard the integrity of the payments ecosystem and accelerate the decline in fraud rates. “Real-time insights into customer intent continue to grow increasingly essential for institutions to establish trust within digital banking sessions,” said Gadi Mazor, CEO, BioCatch. “For more than a decade, we've demonstrated behavior’s unique ability to distinguish the criminal from the legitimate. In the last couple of years, we’ve shown how real-time intelligence-sharing networks between our customers can amplify the power of our behavioral intelligence further still. Together with Visa, we're even better positioned to advance our mission of making the world a safer place to transact and protect consumers from financial crime.” The transaction is subject to customary closing conditions, including receipt of applicable regulatory approvals. The transaction is expected to close by the end of Visa’s fiscal second quarter of 2027 and will provide significant benefits to its financial institution clients, consumers and the wider payments industry. About Visa Visa (NYSE: V) is a world leader in digital payments, facilitating transactions between consumers, sellers, financial institutions and government entities across more than 200 countries and territories. Our mission is to connect the world through the most innovative, convenient, reliable and secure payments network, enabling individuals, businesses and economies to thrive. We believe that economies that include everyone everywhere, uplift everyone everywhere and see access as foundational to the future of money movement. Learn more at Visa.com. About BioCatch BioCatch prevents fraud and financial crime by

SAN FRANCISCO--(BUSINESS WIRE)-- Visa (NYSE: V) today announced its fiscal third quarter 2026 financial results through an earnings release that will be furnished with the Securities and Exchange Commission on a Form 8-K and available on its Investor Relations website at investor.visa.com/financial-information/quarterly-earnings/default.aspx . Visa will host a live audio webcast at 2:00 p.m. Pacific Time (5:00 p.m. Eastern Time) to discuss these financial results. The webcast and all related materials can also be accessed through Visa’s Investor Relations website at investor.visa.com . About Visa Visa (NYSE: V) is a world leader in digital payments, facilitating transactions between consumers, sellers, financial institutions and government entities across more than 200 countries and territories. Our mission is to connect the world through the most innovative, convenient, reliable and secure payments network, enabling individuals, businesses and economies to thrive. We believe that economies that include everyone everywhere, uplift everyone everywhere and see access as foundational to the future of money movement. Learn more at Visa.com . Investor Relations: Jennifer Como, 650-432-7644, InvestorRelations@visa.com Media Relations: Fletcher Cook, 650-432-2990, Press@visa.com Source: Visa Inc.

New Visa data reveals the FIFA World Cup 26™ drove a nearly 20% surge in cross-border transactions across host cities in Canada, Mexico and the United States. SAN FRANCISCO--(BUSINESS WIRE)-- After the final whistle blew on the FIFA World Cup 2026™, millions of fans returned home with unforgettable memories and a trail of economic activity that stretched across countries. Every tap to pay left a lasting impact, as spending throughout the tournament delivered a meaningful boost to merchants and local economies across host cities in Canada, Mexico and the United States. According to new data from Visa, the tournament drove significant growth in cross-border spending, international travel, and digital commerce across host cities. The findings show how a major global event creates “pop-up economies,” defined by Visa as temporary, highly concentrated periods of commercial activity that emerge around major cultural, entertainment and sporting events. The data reveals that fans traveled from around the world to follow their teams, generating a surge in Visa cardholder spending across restaurants, transportation, entertainment, retail, lodging, and other sectors. From iconic host cities to emerging fan destinations, the tournament created a broad and lasting economic impact that extended well beyond stadium walls. A Tournament of Pop-Up Economies Visa data illustrates the scale, reach and pace of economic activity generated throughout the tournament [1] : Cross-border Visa transactions in FIFA World Cup 2026™ host cities increased nearly 20% year-over-year during the tournament period. Fans from Colombia, Puerto Rico, the United Kingdom, Argentina, and Brazil generated the highest levels of cross-border spend across host cities. Santa Clara/San Jose, Boston, and Miami recorded the largest increases in in-person spending from international and domestic cardholders. Consumers spent most heavily on transportation and entertainment, underscoring the broad economic benefit generated by tournament tourism. Tap to pay transactions rose nearly 12%, reflecting fans’ preference for fast, secure and seamless payment experiences while traveling. Ecuador v Curaçao and Colombia v Ghana, both in Kansas City, and Croatia v Ghana in Philadelphia were examples of matches that generated the highest year-over-year uplift creating significant spending spikes before, during and after kickoff. “This was one of the most impactful FIFA World Cup™ tournaments we’ve seen to date both on and off the pitch,” said Frank Cooper III, Chief Marketing Officer of Visa. “FIFA World Cup 2026™ demonstrated how global events can create far-reaching economic value for businesses, cities and communities. For a few precious days, entire cities came alive with new visitors, new spending and new opportunities for local businesses. Through Visa’s network, we could watch those economies emerge, move from city to city and connect millions of fans with the merchants and communities hosting the world’s biggest sporting event.” Pop-Up Economies Reached Far Beyond the Stadium While matches took place inside stadiums, the economic impact spread throughout local communities. Restaurants, bars, retail districts, hotels, transit systems and entertainment venues all experienced increased levels of activity as fans gathered for matches and explored host cities. Several cities achieved standout performance in specific categories [1] : Boston led growth in year-over-year dining transactions as fans celebrated their nations in local bars and restaurants. Guadalajara recorded the highest transportation spending growth as fans from around the world traveled to the stadium. Atlanta saw strong entertainment activity tied to fan celebrations and cultural events, while New York City experienced a surge in retail spending. These trends demonstrate how a pop-up economy distributes opportunity across an entire host market. The benefits reach businesses directly tied to the tournament and merchant

The Visa Stablecoin Platform gives financial institutions, fintechs and other payment providers a single environment to come onchain and run stablecoin operations with Visa. SAN FRANCISCO--(BUSINESS WIRE)-- Today, Visa (NYSE: V) announced the Visa Stablecoin Platform (VSP) , a new enterprise platform designed to help financial institutions, fintechs, and crypto natives access stablecoin capabilities through a single Visa-managed environment. Building on Visa’s broader crypto strategy, VSP gives FIs, fintechs and other payment providers a simple way to access, store, and redeem stablecoins, beginning with Open USD (OUSD), a new stablecoin recently introduced by Open Standard. This includes onchain wallet infrastructure through a newly introduced Wallet-as-a-Service offering and connectivity for minting and burning Open USD. “Stablecoins are opening up a new layer of programmable money, but for most institutions the hard part isn’t the concept, it’s the operational reality,” said Jack Forestell, Chief Product and Strategy Officer, Visa. “With the Visa Stablecoin Platform, we’re giving our clients a single place to mint, move and manage stablecoin operations with the controls, security and network reach they already expect from Visa. It’s how we help them turn interest in stablecoins into real products and real payment flows.” Visa Stablecoin Platform provides direct access to a range of stablecoin capabilities and flows alongside Visa’s network, risk and fraud capabilities, so institutions can move from exploration to implementation with greater confidence. This includes: Access to Open USD: VSP integrates seamlessly into the Open Standard, providing institutions with direct access to Open USD alongside Visa’s network services. This gives clients a way to easily mint, burn, manage and transfer Open USD, bringing fiat onchain and managing flows in an environment they already trust. Onchain wallet infrastructure: VSP packages the wallet infrastructure, controls and workflows needed to make stablecoins usable inside real-world treasury, settlement and product stacks for a range of institutional use cases. Integration into Visa’s network: VSP is designed to enable connectivity of stablecoins into Visa’s network and tools, allowing users to embed stablecoin capabilities into existing payment flows, treasury operations and settlement processes. For existing Visa clients using Visa’s settlement, treasury and currency solutions, VSP provides direct interoperability to seamlessly integrate stablecoins into the workflows and systems they rely on today. Built for trust on day one: VSP allows institutions to interact with stablecoin flows with the same security and trust that Visa is known for. Users will have access to features like dual-control approval for workflows, where one user initiates a sensitive action and another authorized user must approve it, comprehensive audit logging, and Wallet-as-a-Service features of secure passkeys and allow lists to control transfers, to help provide the level of security and control they require to operate. VSP is interoperable with Visa's existing stablecoin offerings, including stablecoin settlement, stablecoin-linked cards, and stablecoin money movement. Together, these capabilities provide a full stack of solutions that help FIs and fintechs come onchain and enable crypto platforms to access Visa's global network. How to get Started Onboard and operate: Institutions can onboard into a Visa-managed wallet stack or connect existing wallets, creating a single home to manage stablecoin mint, burn, and transfer activity. Connect bank accounts and controls: Clients can link bank accounts and configure approvals, users and policies to govern who can initiate and approve stablecoin movements. Mint, move and manage stablecoin operations: From the start, VSP supports minting, redeeming, holding and transferring stablecoins, beginning with Open USD, as part of treasury, settlement and liquidity workfl

AI Financial Assistant brings conversational financial guidance into the banking apps consumers already trust for spending and saving. The Visa Value ‑ Added Service applies benchmarking insights informed by one of the world’s largest payment networks to deliver personalized recommendations. Aligned with Visa’s AI and data governance standards, the feature is designed to operate within secure banking environments to meet the needs of banks and their consumers. SAN FRANCISCO--(BUSINESS WIRE)-- Visa (NYSE: V), a global leader in digital payments, today announced AI Financial Assistant, a new value‑added service designed to help financial institutions evolve their apps for an AI‑driven era. The feature helps banks bring AI-powered financial insights to cardholders under their own brand, look and feel with no custom development required. More than 66% of surveyed Americans who have used generative AI are turning to AI for financial advice, 1 yet consumers view banks as the most trusted institutions to safeguard personal data. 2 In fact, 85% say they are willing to share even more data with their bank if there was a clear AI value proposition. 3 AI Financial Assistant allows banks to extend that trust into natural, conversational experiences within secure banking environments. “Consumers are already turning to AI for financial advice—but banks have the full financial picture, can act on it, and are among the most trusted institutions consumers rely on,” said Michele Herron, Senior Vice President and Head of North America Value-Added Services at Visa. “AI Financial Assistant brings those strengths together, combining personalized insights based on a consumer’s own data and pairing it with the ability to act, all right within their bank's app. By simply turning on this service, banks can strengthen relationships with their customers and transform from a passive ledger to a generative AI–enabled financial hub.” Turning insights into action, inside the mobile banking app As part of its initial rollout, AI Financial Assistant enables ways for cardholders to: Stay on top of spending, automatically: Proactive monthly insights surface meaningful changes without setup or manual effort. Ask and understand instantly: Responses to natural‑language questions are grounded in a cardholder’s own financial activity. Act in the moment: Lock a card or set alerts directly within the conversation. Future planned enhancements include the ability to connect spending insights and subscription management through Enhanced Subscription Manager. A modern, unified digital banking experience AI Financial Assistant is the latest feature of Visa Digital Issuer Solutions, delivering a single chat-based entry point inside the banking app. Financial institutions can connect their FAQs and documents via deep links to surface relevant banking product information, providing cardholders with answers to questions like “Are there any car loan benefits for existing customers?” or “Do you have high-yield savings accounts to help me save for a car?” While financial institutions can deploy individual capabilities on their own through Visa’s Digital Enablement Software Development Kit (SDK) , AI Financial Assistant acts as a central layer that connects existing and new features within the SDK as they come online. Operating under Visa’s AI and data governance standards, AI Financial Assistant is informed by Visa’s global network of more than 300 billion annual transactions. It combines cardholder behavior, real-time data, and the financial institution’s own data to deliver highly personalized guidance with the security, compliance, and fraud protections banks require. AI Financial Assistant will be available to U.S. financial institutions for pilot in August 2026, with a planned global rollout to follow. To learn more, contact your Visa Account Executive and visit Visa Digital Issuer Solutions . Frequently Asked Questions (FAQ) What is AI Financial Assistant? Visa AI Fina

Visa Business and Economic Insights (VBEI) estimates $36 trillion will transfer to younger generations over the next 20 years, with much of the impact already visible in housing, travel and major purchases After accounting for liabilities, removing the top 1 percent of households and subtracting retirement spending, taxes and fees, approximately $36 trillion of boomers’ $93 trillion in assets will transfer to heirs over the next 20 years Nearly 75 percent of inheritance recipients already have a higher net worth, meaning most transferred wealth is likely to be saved or invested rather than spent The $8 trillion expected to be spent creates a targeted lift concentrated mostly in autos, housing, travel and retail The transfer is underway: one in four millennial homeowners received parental down payment assistance, and skip-generation travel is rising as boomers increasingly choose to share their wealth earlier SAN FRANCISCO--(BUSINESS WIRE)-- New research from Visa Business and Economic Insights (VBEI) finds that the great wealth transfer is already influencing major financial decisions, from home purchases to travel and long-term saving. The research estimates that approximately $36 trillion will transfer from baby boomers to Gen X and millennial households over the next 20 years. The findings also show that most of this wealth will flow to households that are already financially secure, making the spending impact more targeted than transformational. “For businesses in big-ticket sectors like housing and travel, this is not a future trend to watch,” said Wayne Best, chief economist at Visa. “It is already influencing consumer decisions—and shaping where growth will be distributed in the years ahead.” The transfer is large, but more concentrated than it appears Baby boomers hold at least $93 trillion in assets, more than three times U.S. GDP. However, VBEI finds that the amount that reaches heirs is reduced significantly once you factor in debt, retirement spending, taxes, and the wealth held at the very top. The result: approximately $36 trillion transferring to Gen X and millennial households over the next 20 years, equivalent to roughly $515,000 per inheriting household. Most transferred wealth will be saved or invested Nearly 75 percent of those receiving an inheritance already have a higher net worth than the median household. 1 As a result, $28 trillion of the $36 trillion is likely to be saved or invested. This dynamic represents a significant opportunity for banks, wealth managers, and fintech firms competing for assets from newly inheriting households over the next two decades. The spending lift is real but targeted to specific categories The impact will likely show up most in the areas where consumers are already making major financial decisions. Spending on autos is expected to see a 6.4 percent average annual lift over the next 20 years. 2 Overall, the $8 trillion expected to flow into consumer spending will lift annual real spending growth by approximately 0.1 percentage point per year through 2046, a modest boost rather than a major shift in the economy. 3 Families are choosing to share wealth earlier More families are transferring wealth earlier while they can see its impact. One in four millennial homeowners received parental down payment assistance, and 26 percent reported they would not have been able to purchase their current home without it. More than half of individuals expecting to receive an inheritance cite it as critical to their ability to purchase a home, a figure that rises to 69 percent among millennials. In travel, 28 percent of grandparents have already taken a skip-generation trip with their grandchildren, without the children’s parents, and 35 percent plan to do so within the next three years. 66 percent of boomers say they want to enjoy their wealth or have heirs enjoy it while they are alive, compared to 34 percent who plan to preserve it for after death. 4 What this means for consumers a