Visa has launched Visa Intelligent Authorisation, a new capability on the Visa Acceptance Platform that enables the modernisation of payment processing through a single API connection, allowing acquirers such as banks and other financial institutions to modernise their systems.
"We're entering a new era of commerce, where AI agents can act on behalf of consumers, stablecoins are reshaping settlement, and digital wallets are becoming the primary interface for payments. The opportunity is significant. But much of today's infrastructure was built for a different generation of transactions," says Axel Boye‑Moller, head of Value‑Added Services, Asia Pacific at Visa.
Visa Intelligent Authorisation
Visa Intelligent Authorisation provides a modern authorisation capability that can process transactions across major card networks through a single integration.
The solution claims to delivers 99.999% uptime and an average approval rate of 96.3% globally.
Its machine‑learning engine can help optimise routing decisions based on network rules, industry programmes and regional regulations by analysing transaction data in real time.
Users can also streamline oversight, settlement, and regulatory compliance through its instant risk alerts, a centralised portal, and an analytics dashboard.
"Visa Intelligent Authorisation is designed for this shift, delivering smarter decisioning across networks through a single integration. It is built for what's happening now, and what's coming next," Boye‑Moller said.
