Visa launches Click to Pay for Revolut cardholders

Visa has launched Click to Pay for eligible Revolut cardholders, giving millions of Revolut users in the UK and Europe access to the online checkout service.

The rollout expands Visa's push to make tokenised card payments a more routine part of online shopping. Revolut has introduced the service for more than 13 million customers in the UK and more than 40 million across Europe, with additional launches in Australia, New Zealand, Singapore and Japan.

Click to Pay lets shoppers complete online purchases without manually entering card numbers, passwords or one-time codes. It works across devices, browsers and participating merchants, and is designed for both domestic and international online purchases.

For Revolut users, the feature is enabled at the card level. Eligible customers can arrive at a participating merchant's checkout already enrolled, removing the need for repeated registration and reducing the amount of information they must enter to pay.

Visa is also working with Revolut to make Click to Pay available to merchants in the UK and Europe, allowing businesses to offer the checkout option to eligible cardholders using participating Visa cards.

Checkout shift

The launch reflects a broader effort by card networks and fintech groups to reduce reliance on static card details in eCommerce. Instead, the model uses tokenised digital credentials, which replace card numbers with secure substitutes during online transactions.

According to Visa network data, Click to Pay can reduce fraud by up to 91% compared with manual card entry. Visa also said authorisation rates can rise by up to 11% compared with manual entry of the primary account number, while checkout can be up to 20 seconds faster than entering card details by hand.

The claims come as payment groups compete to simplify online transactions, which still often require shoppers to fill in forms, remember passwords or complete extra verification steps. The spread of one-click and wallet-based payment methods has increased pressure on traditional card-based checkout flows to become less cumbersome.

Mathieu Altwegg, Head of Product & Solutions, Europe, Visa, said the change reflects a wider shift in consumer expectations for digital payments.

"Online commerce should feel as natural as tapping your card in person - quick, consistent and secure," said Mathieu Altwegg, Head of Product & Solutions, Europe, Visa. "Revolut is a digital-first leader with a relentless focus on customer experience. By bringing Visa Click to Pay to millions of people, they're moving the optionality of online checkouts towards a new best-in-class solution, built on the foundations that will power the next generation of digital experiences."

Revolut presented the addition as another payment option for users rather than a replacement for existing methods. The fintech has been expanding its merchant payments offering as it seeks a larger role in both consumer spending and business payments.

"We believe in giving our customers meaningful choices in how they manage their digital payments," said Alex Codina, General Manager of Merchant Payments at Revolut. "Our goal is to offer flexible, secure ways to pay, and integrating the Click to Pay standard gives our customers an excellent additional option for a smooth checkout experience."

Token focus

Click to Pay is built on network tokenisation, which replaces card information with tokens intended for digital commerce. The system also supports newer authentication methods, including Visa Payment Passkeys, which use biometrics to confirm identity.

Visa linked that approach to a wider industry shift towards digital credentials that can be used more safely across online transactions. It said these tools could support payment and identity functions in areas such as embedded commerce, social commerce, digital identity verification, and agent-driven transactions.

For Visa and Revolut, the immediate significance lies in scale. By enabling the service directly for a large base of cardholders and pairing it with merchant availability in the UK and Europe, the companies are testing whether online card payments can approach the speed and familiarity of contactless payments in stores.