Visa vs. Mastercard: Which Payment Stock Has More Upside?

Visa and Mastercard both benefit from the secular shift toward digital payments and cross-border transactions. While Visa shows strong value-added services growth (34% YoY) and expanding AI-driven services, Mastercard demonstrates faster EPS growth expectations (16.8% vs 14.7%), higher value-added services revenue contribution (41.2% of total), and strategic advantages through its Agent Pay platform and BVNK acquisition. Mastercard is rated as the more attractive opportunity despite both stocks carrying a Zacks Rank #3 (Hold) rating.