Cube-shaped screen at Visa Payments Forum 2025 reads The Future is Here.
The annual Visa Payments Forum Americas, our largest client and partner event of the year, is officially here. Every year Visa brings thousands of financial institutions, merchants, enablers and fintechs together to discuss how we can collectively meet the evolving needs of consumers and businesses in one of the world’s most dynamic industries.
Following last year's forum, we've built momentum across products and services to accelerate the next wave of commerce.
Unlocking growth for all
Since introducing our Visa Tap suite and Visa Flex Credential — we’ve gained significant adoption with clients and our partners.
Key milestones include:
Tap to everything
With nearly 90 percent penetration in Canada, more than 70 percent in Latin America and the Caribbean (LAC), and over 60 percent penetration in the United States, Tap to Pay has enabled seamless and secure transactions for consumers every day. Building on the success of Tap to Pay, we’ve brought the same seamless tap technology to other key moments in the payment experience.
Given rising consumer expectation that money moves quickly and securely, for example, Visa has brought the same functionality to enable peer-to-peer payments to our Tap to P2P innovation. Whether sending money to family, splitting a bill or paying someone back, Visa debit cardholders can send money to and from your phone’s participating digital wallet by having a friend simply tap their card or phone to your phone. Visa has partnered with Samsung to introduce the first-ever Tap to P2P Send feature with Tap to Transfer, for Samsung Galaxy users in the U.S.
Digital ID expansion
Visa is bringing together a powerful set of innovations — Tap to Add Card, tokenization and passkeys — to build a smart and secure digital identity solution to transform the online checkout experience. Together, these technologies form the foundation of a new digital identity — one that has the potential to make online payments as frictionless and secure as in-person transactions.¹
With Tap to Add Card, consumers can quickly add their Visa card to a mobile wallet by simply tapping their card to a phone, creating a unique secure network token in the process. The token brings physical card security to the digital world by replacing manual entry of your card information with your unique token, which helps protect your personal account number from exposure to fraudsters. Now live across the U.S., Tap to Add Card is enabled on over 60 percent of all eligible Visa credit and debit cards — delivering a 90 percent reduction in fraud when consumers tap their card to a mobile wallet.
Meanwhile, tokenization is scaling rapidly, now powering nearly 50 percent of Visa’s digital transactions, with over 1 billion tokens added last quarter alone.
Looking ahead, Visa Payment Passkey, a modern device-based verification with one cardholder registration, is rolling out globally, replacing passwords with fingerprint or facial recognition to further streamline and secure checkout.
Flex Credential growth
Flex is a next-generation card that lets cardholders use a single Visa credential to toggle between debit, buy now, credit and pay later options. Millions worldwide use Flex. In the U.S., Affirm launched Flex less than 6 months ago to its cardholder base of 1.7M active users. Visa and Klarna are partnering to launch Flex in the U.S. and will be the first to offer Flex in Europe, with a debit-to-buy now pay later use case.
Globally, financial institutions are adopting Flex for several use cases. In Japan, the Olive card was introduced in partnership with Sumitomo Mitsui Card Company, Limited (SMCC) and Sumitomo Mitsui Banking Corporation (SMBC). Just two years after launch, Flex has reached 5 million cardholders and counting. Processors are also integrating Flex, including FIS, Marqeta, Stripe and Thales, paving the way for global reach.
The future of commerce is happening now
From reimagining how we tap to transforming digital identity and flexible payments, Visa and its partners are not just imagining the future of commerce — we’re building it. The progress we’ve made this past year is just the beginning. At the 2025 Global Product Drop in April, we unveiled our latest wave of product innovations for the next era of artificial intelligence (AI) and digital commerce.
Visa Intelligent Commerce is a groundbreaking initiative set to transform how we shop and pay. Soon, millions of people will turn to AI agents to find the perfect sweater, plan their next vacation or check off their grocery lists. This suite of integrated APIs empowers developers to securely deploy AI-powered commerce at scale, unlocking more seamless and personalized shopping experiences for consumers. With Visa Accept, another new initiative, small merchants in emerging markets can start accepting card payments with their mobile phones through any participating banking app. The solution is affordable, easy to use and fast.
We are harnessing AI and all of the latest technology to empower buyers, sellers and all of our partners to collectively drive the next chapter of commerce. The future is here.
- Risk Analytics (MIS), Global Risk Datamart, 4Q CY24, domestic and XB transactions processed by Visa excluding cash, NSPK data is not considered for authorization data, approval rates are deduped