payabl. launches Click to Pay with Visa to help merchants improve checkout conversion and reduce fraud

Key Terms

token-based checkout technical

A token-based checkout is a payment method that replaces sensitive card or account details with a unique, non-sensitive code (a “token”) used to complete purchases and store payment methods. For investors, it matters because tokenization reduces the risk of fraud and costly data breaches, lowers compliance and liability for merchants, and can improve customer trust and repeat sales—factors that affect a company’s costs, revenue stability, and regulatory exposure.

network tokenisation technical

Network tokenisation replaces sensitive payment data (like a card number) with a unique, network-issued code that can be used across banks, processors and merchants without exposing the original information. Think of it as swapping a physical house key for a temporary digital pass that only works for a specific door and purpose; for investors, it matters because it reduces fraud risk, lowers compliance and breach costs, and can improve transaction success and customer retention—factors that affect revenue and valuation.

3d secure technical

3D Secure is an extra step added to online card payments that asks the buyer to verify their identity—often with a password, code, or biometric prompt—before a purchase completes. For investors, it matters because it reduces fraud and shifts liability away from merchants, but can also affect sales if customers abandon checkout; think of it as a security checkpoint that lowers theft risk while sometimes slowing the flow of shoppers.

visanet technical

A global electronic payments network that routes, verifies and settles card transactions between merchants, banks and cardholders, acting like a high-speed highway for credit and debit payments. Investors care because the network’s transaction volume, reliability and security drive fee revenue and competitive advantage for payment companies; steady growth or disruption in this network can directly affect earnings and risk exposure.

LONDON--(BUSINESS WIRE)-- payabl. has launched Click to Pay with Visa, a new card payment experience designed to help merchants reduce checkout friction, improve authorisation rates, and deliver a faster, more secure online payment journey.

Click to Pay replaces manual card number entry with a token-based checkout experience. Once a customer’s card is enrolled, they can complete purchases in just a few clicks, without re-entering card details. The result is a faster checkout that mirrors the ease of contactless payments in-store, while maintaining strong security standards.

For merchants, the impact is measurable. According to Visa, Click to Pay can deliver up to a 11% uplift in authorisation rates compared to manual card entry(1), alongside significant fraud reduction through network tokenisation. Faster checkout also helps reduce cart abandonment, particularly on mobile, where typing card details remains a major source of friction.

“With online checkout, every extra step costs conversion,” said Breno Oliveira, Chief Product Officer at payabl. “Visa Click to Pay removes one of the biggest points of friction at the moment of purchase. It helps merchants approve more legitimate transactions, reduce fraud exposure, and give customers the experience they already expect.”

Visa Click to Pay is available through payabl.checkout, enabling merchants to activate the service without additional integration complexity. The solution works across devices and supports existing security flows, including 3D Secure where required.

“Consumers have come to expect a highly personalised, intuitive, and seamless payment experience, whether they’re buying a coffee, shopping online, or applying for a loan. Visa Click to Pay aims to meet these expectations by removing the need to manually enter card details, thus enhancing both security and the consumer experience in online card payments. With the support of network tokens, Visa Click to Pay enabled a more secure and smoother transaction process, available in many countries around the world. According to European VisaNet data, Visa Click to Pay may allow a 4.5% uplift in merchant sales, meaning a possible annual increase of €51 bn in SMB eCommerce sales in the UK and EU,” said Michael Ioannides, Country Manager, Visa Cyprus.

The launch forms part of payabl.’s broader focus on checkout optimisation, helping merchants improve conversion, approvals, and payment reliability at scale. Click to Pay with Visa is now live for eligible merchants across Europe.

Checkout expectations are rising across Europe

Insights from payabl.’s State of European Checkouts report underline why frictionless checkout experiences are becoming a commercial priority. The research found that consumers cite speed (46%), convenience (44%), and security (41%) as the top reasons for choosing a payment method. More than half of consumers (53%) are open to switching to newer payment methods and nearly half (48%) are open to one-click checkouts, provided the solution is backed by a trusted brand such as Visa.

“Checkout is no longer just the final step of a transaction,” said Oliveira. “It is a critical part of the overall customer experience. Our research shows that 43% of European consumers will not return to a site after a poor checkout experience. For merchants across the UK and Europe, that translates directly into lost customers and lost revenue.”

The launch forms part of payabl.’s broader focus on checkout optimisation, helping merchants improve conversion, approvals, and payment reliability at scale. Click to Pay with Visa is now live for eligible merchants across Europe.

References:

1. VisaNet Data, GBI Monthly Authorisation Report, May 2022

About payabl.

payabl. is a financial technology provider offering payments and business accounts for businesses of all sizes, enabling companies to accept online and in-person payments, manage multi-currency business accounts, issue virtual and physical cards, and access over 300 local and alternative payment methods. Combining in-house development with strategic partnerships, payabl. delivers secure, compliant, and scalable financial solutions that help businesses optimise operations and expand internationally. The company has offices in London, Amsterdam, Frankfurt, Limassol, and Vilnius. To learn more, visit: payabl.com.

About Visa Inc

Visa (NYSE: V) is a world leader in digital payments, facilitating transactions between consumers, merchants, financial institutions and government entities across more than 200 countries and territories. Our mission is to connect the world through the most innovative, convenient, reliable and secure payments network, enabling individuals, businesses and economies to thrive. We believe that economies that include everyone everywhere, uplift everyone everywhere and see access as foundational to the future of money movement.

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Media contacts
Viali Munteanu
+44 7547 819 438
viali.munteanu@payabl.com

Source: payabl.