Drive growth with better digital payment experiences

Digital payments are electronic methods that simplify, secure and speed up the way customers can pay and businesses can be paid. Visa offers a range of solutions that help businesses and customers transact with ease.

Digital payments help make the checkout experience faster and more secure for everyone

Businesses are able to offer customers more flexibility and less friction during the payment process, while upholding security and optimizing their ability to grow.

Better customer experiences

Ongoing innovation at Visa allows us to offer up new ways to pay so that businesses can stay ahead of the changing needs and expectations of their customers.

Reduced fraud

Tokenization helps secure the digital payment process by replacing sensitive card information with encrypted tokens, minimizing risk and helping to ensure that actual card details are not shared during transactions.

Improved authorization

Advanced security and intelligent authentication help businesses achieve higher authorization rates, which can lead to faster growth.

Explore the benefits of different digital payment offerings from Visa

Click to Pay

Digital Wallet Enabler

Installments

Visa Payment Passkey

Visa Tap

Click to Pay removes the friction from online checkout

Improve the online checkout experience to help maximize conversion rates, minimize the cost of fraud and avoid the complexity of storing payment data.

• Amplify conversion, grow revenue: Increase returning customers by helping to reduce cart abandonments within guest checkout.¹
• Boost approvals with increased authorization rates: Click to Pay uses Visa Network Tokens, helping to minimize false declines, combat fraud and enhance your online checkout process.
• Integrate into your existing user experience: Gain more control of your checkout flow with integration enhancements that work with your existing experience.

Learn more about Click to Pay.

Digital Wallet Enabler helps you retain control and exclusivity over customer relationships

Enable the use of contactless mobile payment cards and in-app payment transactions while using network tokens to create safer, optimized payment experiences.

• Tailor your solution: Choose whether to integrate with global and/or private label network token services in line with business and technical requirements.
• Simplify partner integration: The single, unified Token Requestor API removes integration complexity with multiple token services providers (TSPs).
• Plug in to payment schemes: Support multiple international and domestic payment schemes instantly with a scheme-agnostic and certified platform.
• Enhance digital payments: Protect and enrich the customer payment experience with tokenization while retaining full brand visibility and relationship control.

Learn more about Digital Wallet Enabler.

Installments increase payment options on existing cards in a consumer’s wallet

Visa Installments use a customer’s existing credit card to finance purchases without the need for additional credit checks or applications, helping to:

• Increase sales volume and conversion rates.
• Increase cardholder engagement and loyalty with new revenue streams.
• Protect against volume erosion.

Learn more about Visa Installments.

Visa Payment Passkey lets customers verify their purchases in the same way they unlock their phones

Visa Payment Passkey requires a one-time consumer set-up to bind their device. Once their Visa Payment Passkey is set up, it can be used to verify the consumer when they check out at a participating merchant.

• Improved checkout experience: Strong, device-based payment verification that’s enabled across all participating merchants and only requires a single consumer registration.
• Integrated with Visa solutions: Guest checkout through Cardinal Consumer Authentication, a new standard for online checkout from Click to Pay and secure card on file through Visa Token Service.
• Robust compliance: Offers Strong Customer Authentication, can be used with EMV® 3-D Secure (3DS) and helps meet PSD2 SCA requirements in the EU.

Learn more about Visa Payment Passkey.

Visa Tap brings the security and ease of contactless payments to mobile experiences

Visa Tap technology enhances cardholder convenience by enabling card activation, adding cards to digital wallets or apps, confirming high-value transactions and sending or receiving money with friends, all with a tap. It can offer:

• A more seamless user experience
• Higher authorization rates
• Reduced fraud

Learn more about Visa Tap.

Digital payment experiences cater to the unique needs of different industries

EV charging

By enabling charging point operators to accept multiple payment types, in addition to their proprietary options, Visa removes one of the key barriers consumers face when deciding to switch to an EV.

Learn about EV payment solutions

Global urban mobility

Visa is helping make cities around the world more livable with easier, connected and secure ways to pay for door-to-door journeys.

Learn about global urban mobility

Browse additional resources that show the future of digital payments in action

The future is here at Visa Payments Forum

We've built momentum across products and services to accelerate the next wave of commerce.

Explore the future of payments

The global rise of cardless transactions

The growth of alternative payment methods is transforming the payments landscape, driven by digitalization, regulatory changes and changing consumer expectations.

Explore the landscape transformation

Accelerating the transition to digital payments

Understand the prevalence of cash, identify the main drivers of payment digitization and understand the benefits of reducing cash for every stakeholder.

Explore the payments transition

Explore how Visa can help accelerate your business growth with smart and secure digital payment solutions