{"id":3689964,"date":"2026-04-28T20:49:06","date_gmt":"2026-04-29T00:49:06","guid":{"rendered":"https:\/\/www.pymnts.com\/?p=3689964"},"modified":"2026-04-28T20:49:06","modified_gmt":"2026-04-29T00:49:06","slug":"visa-earnings-spotlight-agentic-commerce-as-next-growth-engine","status":"publish","type":"post","link":"https:\/\/www.pymnts.com\/visa\/2026\/visa-earnings-spotlight-agentic-commerce-as-next-growth-engine\/","title":{"rendered":"Visa Earnings Spotlight Agentic Commerce as Next Growth Engine"},"content":{"rendered":"<p><a href=\"https:\/\/www.visa.com\/en-us\" target=\"_blank\" rel=\"noopener\">Visa\u2019s<\/a> latest earnings Tuesday (April 28) showed a company still getting plenty of lift from card spending while pushing deeper into stablecoins, blockchain and artificial intelligence-driven commerce.<\/p><div\r\n\tid=\"article-paywall-overlay\"\r\n\tclass=\"d-none\"\r\n>\r\n\t<div id=\"article-paywall-content\" class=\"my-4\">\r\n\t\t\n<div class=\"wpcf7 no-js\" 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class=\"fw-bold\" href=\"https:\/\/pymnts-com-develop.go-vip.net\/privacy-policy\/\">Privacy Policy<\/a> and <a class=\"fw-bold\" href=\"https:\/\/pymnts-com-develop.go-vip.net\/terms-conditions\/\">Terms and Conditions<\/a>.\n\t\t\t\t<\/p>\n\t\t\t\t<p><input id='hiddenPath' type='hidden' name='path' value='' \/><input type='hidden' name='userDeviceId' id='userDeviceId' \/><input type='hidden' name='pageTitle' id='pageTitle' \/>\n\t\t\t\t<\/p>\n\t\t\t<\/div>\n\t\t\t<div class=\"col-12\">\n\t\t\t\t<div id='formButtonRow' class='container mt-1 px-0'>\n\t\t\t\t\t<p><input class=\"wpcf7-form-control wpcf7-submit has-spinner btn btn-dark text-uppercase py-2 px-5 small\" id=\"theSubmitButton\" type=\"submit\" value=\"Submit\" \/>\n\t\t\t\t\t<\/p>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div><input type=\"hidden\" name=\"post_id\" value=\"3689964\" \/><input type=\"hidden\" name=\"source\" value=\"https:\/\/www.pymnts.com\/visa\/2026\/visa-earnings-spotlight-agentic-commerce-as-next-growth-engine\/\" \/><p style=\"display: none !important;\" class=\"akismet-fields-container\" data-prefix=\"_wpcf7_ak_\"><label>&#916;<textarea name=\"_wpcf7_ak_hp_textarea\" cols=\"45\" rows=\"8\" maxlength=\"100\"><\/textarea><\/label><input type=\"hidden\" id=\"ak_js_1\" name=\"_wpcf7_ak_js\" value=\"197\"\/><script>document.getElementById( \"ak_js_1\" ).setAttribute( \"value\", ( new Date() ).getTime() );<\/script><\/p><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n\r\n\t<\/div>\r\n<\/div>\r\n<div id=\"article-paywall-hidden-content\">\r\n\t\n<p>CEO <a href=\"https:\/\/www.linkedin.com\/in\/ryan-mcinerney-79838697\/\" target=\"_blank\" rel=\"noopener\">Ryan McInerney<\/a> set the tone early in the call by tying together the durability of the core business with the promise of newer rails. \u201cStablecoins and blockchain are significant opportunities,\u201d adding that \u201cwe\u2019ve established Visa\u2019s role as a key interoperability layer between this powerful infrastructure and real-world solutions for users.\u201d\u00a0 He also emphasized that consumer, commercial and money movement flows continue to advance in parallel.<\/p>\n<p>That framing carried through the discussion, where Visa repeatedly returned to the idea that its future lies in scaling infrastructure, where the CEO noted the growth potential as a \u201chyperscaler of payments,\u201d a term that embraces volume growth and the expanding range of use cases running across its network.<\/p>\n<h2>From Network to Infrastructure Layer<\/h2>\n<p>The concept of hyperscaling rests in part on Visa\u2019s push into what it termed agentic commerce. Management described a near-term environment in which software agents initiate and complete transactions, often in small increments and with minimal human intervention.<\/p>\n<p>Tokenization, credential management and fraud controls are expected to underpin these new transaction flows, particularly as agents require trusted payment methods. McInerney noted that agents are likely to fragment purchases into multiple transactions, while also creating entirely new categories of microtransactions.<\/p>\n<p>During the analyst question-and-answer session, he sharpened that point by focusing on trust as the limiting factor in adoption. Consumers, McInerney \u00a0said, will default to payment methods they recognize when delegating spending decisions to software agents.<\/p><div id=\"pymnt-3233666014\" class=\"pymnt-content pymnt-entity-placement\" style=\"margin-top: 50px;\"><p style=\"text-align:center\">Advertisement: Scroll to Continue<\/p><script async type=\"text\/javascript\" id=\"dianomi_context_script\" src=\"https:\/\/www.dianomi.com\/js\/contextfeed.js\"><\/script> \r\n<div class=\"dianomi_context\" data-dianomi-context-id=\"4329\"><\/div><\/div>\n<p>At the same time, Visa is positioning its infrastructure to accommodate blockchain-based activity, acting as a \u201cbridge layer\u201d between on-chain assets and real-world payments, pointing to use cases such as stablecoin-linked cards and settlement capabilities that operate beyond traditional banking hours.<\/p>\n<h2>Growth Anchored in Consumer Activity<\/h2>\n<p>Net revenue rose 17% year over year to $11.2 billion, while earnings growth kept pace, according to <a href=\"https:\/\/s1.q4cdn.com\/050606653\/files\/doc_financials\/2026\/q2\/Visa-Inc-Second-Quarter-2026-Financial-Results-Presentation.pdf\">the company\u2019s financial presentation.<\/a> \u00a0U.S. debit card spending gained 7%, while credit volumes were up 10%, both measured in constant dollar terms.<\/p>\n<p><a href=\"https:\/\/www.linkedin.com\/in\/chrissuh\/\" target=\"_blank\" rel=\"noopener\">Chris Suh<\/a>, Visa\u2019s chief financial officer, emphasized that growth remained broad-based. \u201cAcross our volume, both discretionary and nondiscretionary spend remained strong. We do not see signs of the lower-spend consumer weakening in our volumes,\u201d he told analysts, underscoring resilience across income segments.<\/p>\n<p>Cross-border activity also remained firm, supported by travel and eCommerce trends, even as geopolitical factors created some regional variability.<\/p>\n<p>Visa Direct continued to expand as part of the company\u2019s push into money movement. Transactions on that network climbed more than 20% year over year, supported by both domestic and cross-border use cases. At the same time, value-added services, including fraud prevention and marketing tools, contributed a growing share of revenue, reinforcing the company\u2019s effort to monetize capabilities beyond basic transaction processing.<\/p>\n<p>Credentials also remained central to the strategy. Visa\u2019s flexible credential framework, which allows multiple funding sources to sit behind a single payment identity, was highlighted as a way to unify card-based and non-card-based transactions.<\/p>\n<h2>Stablecoins as Extension, Not Disruption<\/h2>\n<p>Perhaps the most notable shift in the quarter was the company\u2019s detailed articulation of its stablecoin strategy. Management described a model in which stablecoins function primarily as a store of value and settlement mechanism, while Visa\u2019s network handles acceptance and transaction routing.<\/p>\n<p>\u201cWe currently have a $7 billion annual run rate of stablecoin settlement volume, and it\u2019s growing fast, up more than 50% since last quarter,\u201d McInerney said.<\/p>\n<p>Examples included stablecoin-linked cards that allow consumers to spend digital assets at traditional merchants, as well as settlement options that enable transactions outside standard banking hours. The company also pointed to its growing role in blockchain infrastructure, including validator positions on select networks.<\/p>\n<p>Importantly, executives stressed that the economics of these transactions resemble those of existing products. In answering a question on unit economics, McInerney indicated that spending through stablecoin-linked credentials carries similar characteristics to traditional card usage, reinforcing the view that these innovations extend the current model rather than replace it.<\/p>\n<p>Looking ahead, Visa raised its full-year outlook, citing continued strength across its core drivers. Management expects revenue growth in the low double-digit to low-teens range, supported by stable consumer activity and expanding demand for value-added services.<\/p>\n<p>McInerney closed the call with a measured but confident assessment of the company\u2019s trajectory. \u201cWe have deep conviction in our ability to grow revenue well into the future, not just for the next three to five years, but beyond,\u201d he said, pointing to the combined impact of consumer payments, money movement, stablecoins and AI-driven services.<\/p>\n<p>Shares surged 4.8% in after-hours trading on Tuesday.<\/p>\n\r\n<\/div>\r\n<script>\r\n\twindow.pymntsAllowedArticleCount = 2;\r\n\twindow.pymntsPostID = 3689964;\r\n<\/script>","protected":false},"excerpt":{"rendered":"<p>Visa\u2019s latest earnings Tuesday (April 28) showed a company still getting plenty of lift from card spending while pushing deeper into stablecoins, blockchain and artificial intelligence-driven commerce. Get the Full Story Complete the form to unlock this article and enjoy unlimited free access to all PYMNTS content \u2014 no additional logins required. yesSubscribe to our [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":3689986,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","inline_featured_image":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[13051],"tags":[158249,163736,9498,4848,9206,133069,41360,4266],"class_list":["post-3689964","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-visa","tag-agentic-ai","tag-agentic-commerce","tag-ai","tag-earnings","tag-news","tag-pymnts-news","tag-stablecoins","tag-visa"],"acf":{"suggested_titles":""},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.2 (Yoast SEO v27.3) - 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