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Global Payments Bets on AI and Visa to Win More Transactions
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Key Takeaways
GPN integrates Visa IDX API into its AI-powered platform to improve approvals and reduce false declines.
GPN's Data Only authentication and AI optimization have delivered typical payment approval-rate gains of 4-6%.
Higher approval rates could boost GPN's transaction volumes, merchant retention and revenues.
Global Payments Inc. (GPN - Free Report) is expanding its Adaptive Authentication platform by integrating Visa Intelligent Data Exchange (IDX) API to help merchants improve payment authorization rates and reduce false declines. The enhancement allows eligible clients in the United States and Canada to share richer transaction data with card issuers, supporting better approval decisions.
Powered by artificial intelligence (AI), GPN's platform dynamically selects the most suitable verification method for each transaction. Its capabilities include 3D Secure, Data Only authentication, Strong Customer Authentication exemptions and the new Visa IDX API. It also incorporates fraud and risk capabilities from Ravelin. While Adaptive Authentication and Data Only are available globally, Visa IDX API initially supports eligible domestic transactions in the United States and Canada.
The expansion builds on GPN's existing capabilities. Deployments of Data Only authentication and its AI-powered optimization model have helped merchants achieve typical payment approval-rate improvements of 4-6%. The Visa integration further strengthens the offering by providing issuers with additional transaction information to assess legitimate payments and reduce unnecessary declines.
This development is important for GPN as false declines result in lost merchant sales and weaken customer trust. Better payment approvals and fewer checkout interruptions can improve merchant experience, strengthen client retention and make GPN's payment solutions more competitive.
Higher approval rates could translate into greater processed transaction volumes, supporting GPN's transaction-related revenues and demand for value-added services. Although the company has not disclosed the expected financial contribution, the expansion strengthens its technology offering and competitive position. Greater merchant adoption could translate into higher payment volumes and additional revenue opportunities, strengthening GPN's competitive position and supporting its longer-term growth prospects.
GPN’s Stock Price Performance
Shares of Global Payments have gained 42.1% over the past six months compared with the industry’s 19.6% growth over the same period.
Image Source: Zacks Investment Research
Zacks Rank & Key Picks
GPN currently has a Zacks Rank #3 (Hold).
Some better-ranked stocks in the business services space are Sezzle Inc. (SEZL - Free Report) , sporting a Zacks Rank #1 (Strong Buy) at present, and WEX Inc. (WEX - Free Report) and EVERTEC, Inc. (EVTC - Free Report) , both carrying a Zacks Rank #2 (Buy). You can see the complete list of today’s Zacks #1 Rank stocks here.
The Zacks Consensus Estimate for Sezzle’s 2026 earnings is pinned at $5.48 per share, which has witnessed four upward revisions in the past 60 days against no movement in the opposite direction. Sezzle beat earnings estimates in each of the trailing four quarters, with the average surprise being 16.8%. The consensus estimate for 2026 revenues is pegged at $640.96 million, implying 42.4% year-over-year growth.
The Zacks Consensus Estimate for WEX’s 2026 earnings is pinned at $21.26 per share, which has witnessed nine upward revisions in the past 60 days against no movement in the opposite direction. WEX beat earnings estimates in each of the trailing four quarters, with the average surprise being 5.6%. The consensus estimate for 2026 revenues is pegged at $2.97 billion, implying 11.5% year-over-year growth.
The Zacks Consensus Estimate for EVERTEC’s 2026 earnings is pinned at $4.00 per share, indicating a 10.5% year-over-year improvement. EVTC beat earnings estimates in three of the trailing four quarters and missed in the remaining one, with the average surprise being 5.5%. The consensus estimate for 2026 revenues is pegged at $1.09 billion, implying 17.2% year-over-year growth.
View the Zacks #1 Rank List
Image: Bigstock
Global Payments Bets on AI and Visa to Win More Transactions
Key Takeaways
Global Payments Inc. (GPN - Free Report) is expanding its Adaptive Authentication platform by integrating Visa Intelligent Data Exchange (IDX) API to help merchants improve payment authorization rates and reduce false declines. The enhancement allows eligible clients in the United States and Canada to share richer transaction data with card issuers, supporting better approval decisions.
Powered by artificial intelligence (AI), GPN's platform dynamically selects the most suitable verification method for each transaction. Its capabilities include 3D Secure, Data Only authentication, Strong Customer Authentication exemptions and the new Visa IDX API. It also incorporates fraud and risk capabilities from Ravelin. While Adaptive Authentication and Data Only are available globally, Visa IDX API initially supports eligible domestic transactions in the United States and Canada.
The expansion builds on GPN's existing capabilities. Deployments of Data Only authentication and its AI-powered optimization model have helped merchants achieve typical payment approval-rate improvements of 4-6%. The Visa integration further strengthens the offering by providing issuers with additional transaction information to assess legitimate payments and reduce unnecessary declines.
This development is important for GPN as false declines result in lost merchant sales and weaken customer trust. Better payment approvals and fewer checkout interruptions can improve merchant experience, strengthen client retention and make GPN's payment solutions more competitive.
Higher approval rates could translate into greater processed transaction volumes, supporting GPN's transaction-related revenues and demand for value-added services. Although the company has not disclosed the expected financial contribution, the expansion strengthens its technology offering and competitive position. Greater merchant adoption could translate into higher payment volumes and additional revenue opportunities, strengthening GPN's competitive position and supporting its longer-term growth prospects.
GPN’s Stock Price Performance
Shares of Global Payments have gained 42.1% over the past six months compared with the industry’s 19.6% growth over the same period.
Image Source: Zacks Investment Research
Zacks Rank & Key Picks
GPN currently has a Zacks Rank #3 (Hold).
Some better-ranked stocks in the business services space are Sezzle Inc. (SEZL - Free Report) , sporting a Zacks Rank #1 (Strong Buy) at present, and WEX Inc. (WEX - Free Report) and EVERTEC, Inc. (EVTC - Free Report) , both carrying a Zacks Rank #2 (Buy). You can see the complete list of today’s Zacks #1 Rank stocks here.
The Zacks Consensus Estimate for Sezzle’s 2026 earnings is pinned at $5.48 per share, which has witnessed four upward revisions in the past 60 days against no movement in the opposite direction. Sezzle beat earnings estimates in each of the trailing four quarters, with the average surprise being 16.8%. The consensus estimate for 2026 revenues is pegged at $640.96 million, implying 42.4% year-over-year growth.
The Zacks Consensus Estimate for WEX’s 2026 earnings is pinned at $21.26 per share, which has witnessed nine upward revisions in the past 60 days against no movement in the opposite direction. WEX beat earnings estimates in each of the trailing four quarters, with the average surprise being 5.6%. The consensus estimate for 2026 revenues is pegged at $2.97 billion, implying 11.5% year-over-year growth.
The Zacks Consensus Estimate for EVERTEC’s 2026 earnings is pinned at $4.00 per share, indicating a 10.5% year-over-year improvement. EVTC beat earnings estimates in three of the trailing four quarters and missed in the remaining one, with the average surprise being 5.5%. The consensus estimate for 2026 revenues is pegged at $1.09 billion, implying 17.2% year-over-year growth.