Visa reported third-quarter net revenue of $10.17 billion, up 14% year-over-year and ahead of the $9.82 billion estimate, according to data from Benzinga Pro. Adjusted earnings per share reached $2.98, topping the $2.83 consensus. Growth was driven by an 8% increase in payments volume, 10% more processed transactions, and a 12% jump in cross-border volume. CEO Ryan McInerney called consumer spending “resilient,” citing continued U.S. growth in both discretionary and non-discretionary categories. He emphasized Visa’s focus on innovation in AI and stablecoins to shape future commerce. Shares dipped 1.1% in after-hours trading.