Visa Inc. beat Wall Street expectations for its fiscal third quarter, buoyed by steady consumer spending at home and abroad. Revenue rose 14% from a year earlier to a record $10.2 billion, surpassing the $9.8 billion consensus, while adjusted earnings climbed to $2.98 a share versus forecasts of $2.85. Adjusted net income increased 19% to $5.8 billion; on a GAAP basis profit was up 8%. Underlying activity remained strong across most regions. Cross-border payment volume advanced 12% and processed transactions grew 10%, with Europe, Latin America and the Middle East posting double-digit gains and Asia lagging. Chief Executive Officer Ryan McInerney said both discretionary and non-discretionary spending “remain strong,” and that the company has seen “no meaningful impact” from the United States’ new 145% tariff on Chinese goods. Despite the better-than-expected quarter, Visa left its full-year guidance unchanged, still projecting low-double-digit revenue growth and about a 15% rise in earnings per share. The decision disappointed some investors, sending the stock down roughly 2% to 3% in late trading.