In this article, we will take a look at the 5 Best Fintech Stocks to Buy as Digital Payment Volume Surges. For a deeper discussion and an expanded list, please see the article 7 Best Fintech Stocks to Buy as Digital Payment Volume Surges.
5. Block Inc. (NYSE:XYZ)
Short % of Float: 3.89%
Block Inc. (NYSE:XYZ) ranks among the best fintech stocks to buy as digital payments volume surges. On June 23, TD Cowen reiterated its Buy rating and $101 price target for Block Inc. (NYSE:XYZ). The firm’s evaluation came after investor discussions with Block in Montreal and during the TD Cowen 2026 US Corporate Access Day in Toronto.
TD Cowen highlighted that Block’s product velocity is increasing, and the company’s structural reset is yielding real outcomes. According to the firm, AI is transforming how Block Inc. (NYSE:XYZ) operates, and Neighborhoods has the potential to serve as a crucial bridge between Square and Cash.
Furthermore, on June 17, Block Inc. (NYSE:XYZ) announced the release of Builderbot, an AI management tool that coordinates numerous AI agents throughout the company’s codebase and operates within Slack to streamline software development tasks. The application performs over 200,000 operations each day and combines around 1,500 pull requests every week, accounting for roughly 15% of all production code changes throughout Block Inc. (NYSE:XYZ).
Block Inc. (NYSE:XYZ), founded in 2009 by Jack Dorsey, is an American financial services company. It offers point-of-sale systems and credit solutions to merchants through its Square subsidiary. It offers peer-to-peer payment, banking, and Bitcoin trading through its Cash App platform.
4. Fiserv Inc. (NASDAQ:FISV)
Short % of Float: 2.86%
Fiserv Inc. (NASDAQ:FISV) ranks among the best fintech stocks to buy as digital payments volume surges. On June 16, Goldman Sachs analyst Will Nance reiterated a Hold rating on Fiserv Inc. (NASDAQ:FISV) with a price objective of $70. The abrupt CEO shift, with Mike Lyons resigning and Takis Georgakopoulos taking over, adds uncertainty, especially for the banking-focused financial solutions division, just as management is expected to produce stronger revenue growth in the latter half of the year.
That said, Nance recognizes Georgakopoulos’ extensive payments experience and sees that Fiserv Inc. (NASDAQ:FISV) has begun to solve challenges in financial solutions through improved service, focused hiring, and strategic acquisitions.
In a similar vein, Bernstein maintained a Hold rating on Fiserv Inc. (NASDAQ:FISV) and set a price objective of $76. According to the firm, Takis Georgakopoulos’ hiring as CEO provides some consistency, particularly in Merchant Solutions and the broader One Fiserv plan, where he already demonstrated early improvements in customer satisfaction and shifting plans for Fiserv/Clover in SMB surveys.
Fiserv Inc. (NASDAQ:FISV) offers fintech solutions, such as account processing, digital commerce, fraud prevention, and payments, to segments such as financial institutions and merchants.
3. MercadoLibre Inc. (NASDAQ:MELI)
Short % of Float: 2.00%
MercadoLibre Inc. (NASDAQ:MELI) ranks among the best fintech stocks to buy as digital payments volume surges. On June 9, Bank of America Securities reaffirmed its Buy rating on MercadoLibre Inc. (NASDAQ:MELI), citing significant long-term returns from the company’s credit card operations, despite near-term margin pressures due to active spending across several business lines.
During the first quarter of 2026, the LATAM e-commerce giant more than doubled its credit card portfolio year-over-year, hitting $6.6 billion, or around 45% of MercadoLibre’s whole loan book. Meanwhile, credit card monthly active users increased by 68%, surpassing the 29% growth in Mercado Pago’s overall monthly active users.
According to BofA analyst Robert E. Ford Aguilar, MercadoLibre Inc. (NASDAQ:MELI) only had 3.4% of industry credit card balances in Brazil and 2.5% in Mexico as of March 2026, despite the company’s quick growth. Based on the analyst’s estimate, the credit card segment would approach breakeven in 2028 after reporting an EBIT loss of $443 million in 2026, which would represent a 1.1 percentage-point drag on consolidated margin.
MercadoLibre Inc. (NASDAQ:MELI) is an internet retail company that primarily operates Mercado Libre Marketplace, an online commerce platform, and Mercado Pago, a fintech platform.
2. Visa Inc. (NYSE:V)
Short % of Float: 1.28%
Visa Inc. (NYSE:V) ranks among the best fintech stocks to buy as digital payments volume surges. On June 30, Piper Sandler began coverage of Visa Inc. (NYSE:V) with an Overweight rating and a $394 price target. The firm initiated a review of the payments and consumer finance division (which includes Visa) with a “selectively constructive” outlook. According to Piper Sandler, Overweight-rated equities provide “durable” network utilization, consumer engagement, credit management, capital returns, business leverage, or earnings “scaling into share appreciation without requiring broad multiple expansion.”
Piper Sandler also noted that although projected earnings “remain resilient across much of our coverage,” valuation adjustment in the category “has been broad.”
Furthermore, on June 25, Visa Inc. (NYSE:V) introduced Visa Destinations, a mobile travel platform currently available in 10 cities, including Paris, London, and Dubai.
The platform gives Visa cardholders access to customized travel experiences, tour guides, and suggestions in the food, entertainment, cultural, hospitality, wellness, shopping, and transportation areas.
Visa Inc. (NYSE:V) is a payment technology company operating in the United States and internationally. It operates VisaNet, a transaction-processing network that handles the clearing, authorization, and settlement of payments. The company offers its services under various brands, including PLUS, Visa, V PAY, Visa Electron, and Interlink.
1. Mastercard Inc. (NYSE:MA)
Short % of Float: 0.82%
Mastercard Inc. (NYSE:MA) ranks among the best fintech stocks to buy as digital payments volume surges. On June 25, UBS reiterated its Buy rating on Mastercard Inc. (NYSE:MA) and set a price objective of $640 for the company’s shares. The rating followed the firm’s hosting of Mastercard Inc (NYSE:MA) executives for three days of investor meetings.
The meetings involved discussions around agentic commerce, namely Agent Pay for Machines, the purchase of BVNK, value-added services and products, international travel, net revenue growth, MDL-1720, and the competitive landscape and portfolio successes.
The talks, according to UBS, complemented earlier disclosures while boosting optimism regarding Mastercard’s medium-to-longer-term growth forecast and resilience.
According to UBS’s reverse discounted cash flow analysis, MA’s current share price implies a net revenue compound annual growth rate of about 4% from 2031 to 2040, which the firm believes will be significantly lower than what the firm will achieve.
Meanwhile, as previously noted, on June 10, Mastercard Inc (NYSE:MA) launched Agent Pay for Machines, a new service that will enable regulated, coordinated, and machine-speed transactions over its global payments network.
Mastercard Inc (NYSE:MA) operates in the payments industry and is one of the leading payment processors for everyday consumers, financial institutions, governments, and businesses. The company is headquartered in New York, United States.
While we acknowledge the potential of MA to grow, our conviction lies in the belief that some AI stocks hold greater promise for delivering higher returns and have limited downside risk. If you are looking for an AI stock that is more promising than MA and that has 100x upside potential, check out our report about the cheapest AI stock.
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