of merchants use one or more forms of payment tokenization, showing tokenization has become a mainstream payment-security and optimization tool.1
When bill payments fail, the impact is immediate
From credential changes to failed transactions and fragmented payment systems, recurring billing breaks down in predictable ways. These breakdowns can increase complexity, increase servicing costs, and disrupt revenue continuity. Over time, they also erode customer trust.
Visa Acceptance Solutions connects billing, credential management, and payment processing to help billers reduce disruption, prevent avoidable declines, and maintain more consistent revenue collection.
Billpay failure stalls growth and exacerbates loss
72%
43%
of merchants now accept real-time payments, reflecting growing demand for faster and simpler digital payment options.1
30%
of credit cards change each year due to expiration, loss or upgrades, undermining predictable recurring revenue.2
Payment capabilities designed for continuity
Unite billing, credential management, payment updates, and processing together into a more connected system so you can reduce friction, simplify your operations, and maintain consistent revenue collection.
Keep revenue flowing across the payment lifecycle
Keep payments predictable by ensuring billing, credentials, and processing work together so transactions can continue without interruption.
Reduce dependency on recovery workflows
Minimize the need for retries, outreach, and manual fixes by preventing avoidable payment failures before they happen.
Maintain continuity through credential and account changes
Keep recurring payments flowing even as cards expire, accounts update, or customer details change, helping protect customer relationships.
Create a more resilient payment system
Strengthen your payment infrastructure so it can adapt to changes in payment methods, customer behavior, and scale without disrupting revenue collection.
Build for how bill pay actually works
From securing credentials to uninterrupted payment experiences, our solutions are built to help any business.
Visa Acceptance Platform
Access various payments capabilities through this single connection to offer flexible payment experiences that keep customers coming back.
Recurring Billing
Support subscription, installment, and merchant-initiated payment models with the right transaction treatment to help keep recurring revenue moving.
Visa Account Updater
Keep customer payment credentials up to date to help prevent avoidable declines and maintain recurring payment continuity.
Token Management Service
Secure digital payments and simplify managing customer credentials with tokenization.
eCheck
Let customers pay directly from their bank account with a secure, cost-effective option for recurring and high-value transactions.
Build a better bill pay experience
Complete the form to speak with a Visa payment experts, explore connected payment capabilities, and identify the solutions that can help your simplify bill pay strategy from enrollment to ongoing payments.
1 2026 Global Digital Shopping Index
2 Visa Account Updater FAQ