Visa is introducing APIs to enable issuers and merchants to offer installment solutions in-store and online:
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These offerings can help prevent Visa from being disintermediated, especially because it's bringing its solutions in-store. As an established company with preexisting merchant relationships, Visa may be able to convince merchants to offer its POS financing solutions instead of, or at least in addition to, those from startups like Klarna, Afterpay, and Affirm that have been largely focused on e-commerce payments.
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