Visa announced the general availability of the Visa Commercial Solutions (VCS) Hub, a breakthrough platform that redefines the future of commercial payments for issuers and fintechs worldwide. The VCS Hub represents a transformational leap forward, engineered to deliver a smarter, more seamless experience for all users. As expansion continues, the VCS Hub will also incorporate next-generation AI capabilities, ultimately offering issuers the ability to unlock a unified, intelligent platform that turns complexity into simplicity. Following a successful pilot, the VCS Hub is now available broadly, enabling issuers and fintechs to deliver powerful commercial payment and embedded finance experiences, turbocharged by automation and seamless integration. For existing users, the platform offers an end-to-end payables solution, enabling full invoice and supplier payments, while also supporting flexible ad hoc payments to efficiently manage business needs. For embedded payments, seamless integration into accounting solutions is a core capability, making it easier and more secure for organizations to manage payments and focus on other essential business priorities. The VCS Hub will continue to expand and be enhanced with additional commercial payment solutions and capabilities. GenAI will be at the core of that, transforming how business gets done. Key enhancements include: AI-Powered Payables: Automate accounts payable with GenAI-driven workflows that anticipate business needs, optimize cash flow and reduce manual bottlenecks. Embedded Payments: Integrate payment capabilities into business applications—accounting, ERP or custom workflows—using Visa’s open APIs and intelligent orchestration. Reporting and Insights: Harness advanced analytics and GenAI to surface actionable insights, predict trends and empower smarter business decisions in real time. Personalized Experiences: User experiences can be tailored by AI, delivering recommendations, alerts and next steps that drive growth and efficiency.