Visa is integrating ServiceNow’s agentic AI platform to automate the payment dispute lifecycle for card issuers, covering case triage, prioritization and documentation. This partnership aims to reduce manual workload and improve dispute resolution speed by training AI agents on merchant data and historical trends.

The AI dispute system uses a proprietary large language model enriched with historical dispute counts and consumer tenure data to identify low-value claims and flag cases that require compliance checks. By automating intake and analysis, banks can streamline operations and focus human agents on high-priority disputes.

Mastercard has introduced a Virtual C-Suite toolkit offering agentic AI applications tailored for small and medium-sized enterprises, including financial forecasting, expense categorization and customer support automation. The suite is designed to help SMEs optimize decision-making and operational efficiency, opening a new revenue stream for the card network.