The latest product enhancementsInnovation Focus

The Autumn/Winter 2026 edition is now live ​
Discover the latest product updates, features and innovations to help enterprise businesses get growth going.​
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More ways to pay locally

Make every checkout familiar with new payment methods including Aani, Jaywan and ExpressPay (UnionPay International). ​

Scale your hardware rollout​

Deferred-shipment functionality for POS rentals is now available in Canada. Phase your hardware rollout, align delivery to opening dates and minimize deployment risk by reduced warehousing costs. ​

Code account funding right ​

Account Funding Transactions (AFTs) is a compliant way to code transfers to wallets, trading, prepaid and other stored-value accounts. Identifying AFTs can help issuers make informed auth decisions. ​

Access your card revenue sooner​

Businesses in Brazil and Argentina can now access funds in days (before standard settlement) by advancing eligible Visa and Mastercard payments. ​

Your marketplace setup, simplified ​

Accelerate seller activation and funds disbursements with hosted pages. Securely capture, tokenize and store bank details for instant or scheduled payouts. Collect seller information to perform KYC/KYB checks. Embed via iFrame, redirect or pay by link.

 

Hosted pages availability varies, check with your relationship manager.

Send payouts to PayPal wallets​

Enterprise businesses based in US, UK and Europe can now instruct payouts to PayPal wallets in different currencies*

 

*USD, GBP and EUR.

Payouts to accounts in more markets ​

You can now send payouts to bank accounts in 12 new countries: Egypt, Kazakhstan, Serbia, Marocco, Suriname, Aruba, Fiji, Bahrain, Botswana, French Polynesia, Uzbekistan, El Salvador.​

Verify more beneficiaries​

Validate beneficiary information before sending funds to bank accounts in Peru, Brazil and Chile. You can now also verify details when sending payouts to Mastercard cards globally.

Multi-currency virtual accounts​

Power your marketplace with multi-currency virtual accounts that allow you to hold separate balances per party. Automatically split fees, move funds and keep a real-time view of seller balances. ​

Turn authentication into a competitive advantage​

Adaptive authentication uses AI decisioning to select the most effective strategy for every transaction. Now with Identity Data Exchange, share richer customer data with issuers to help reduce challenges, improve approvals and create smoother checkouts.

 

Available to enterprise businesses in U.S. and Canada.

Smarter defense against refund abuse​

New functionality in the Ravelin fraud portal enables enterprise businesses to distinguish genuine returns with more precision by using enhanced detection to highlight patterns of repeat refund abuse. ​

Maximize your authentication strategy​

New reporting in Ravelin’s fraud portal gives enterprise businesses full visibility into authentication performance including challenge outcomes, authentication errors, customer drop-offs and others. ​

Richer data for credential optimization​

Explore new optimization widgets in the Pazien portal to uncover approval drivers and revenue opportunities. You can see insights across credential types and measure the impact of various levers.

Tailored view for credential provisioning​

Dedicated insights into credential provisioning are now available in the Pazien portal, giving enterprise businesses clear visibility into how payment credentials are created, requested and managed. ​

Payment optimization that learns and adapts​

 Two new Revenue Boost features
  • Intelligent decisioning uses AI to determine the optimal credential maximizing first-time approvals
  • Smart retry extends optimization further - identifying recoverable declines, automatically reattempting them at the best time

Enhanced issuer intelligence ​

Our enhanced issuer data sharing program, part of our U.S. fraud prevention service, now includes Discover. This helps issuers with valuable context at authorization to help identify genuine purchases. ​

Optimized dynamic routing ​

We continue to optimize our U.S. dynamic routing capabilities to increase the likelihood of finding the optimal approval path to for every debit payment, with Discover now included as an option. ​

More routes to authorization​

PINless debit routing now uses approval-focused decisioning in the U.S., selecting the network (amongst Pulse, STAR, NYC, Accel, Discover Debit) most likely to achieve successful authorization. ​

Uncover new growth opportunities ​

Customer and market insights help U.S. businesses understand spending behavior, market trends and competitive activity. In partnership with Covariance, it combines merchant transaction data and broader market intelligence for more informed decisions.

 

This feature is part of the Commerce Insights Suite.

Find the hidden shoppers ​

U.S. businesses identify previously unrecognized customers in the transaction data. Through partnerships, it extends visibility beyond known CRM and loyalty members, enabling richer audiences, improved targeting and measuring impact.

 

This feature is part of the Commerce Insights Suite.