Payabl launches “Click to Pay” with Visa across Europe, a token-based solution aimed at reducing cart abandonment and increasing merchant authorisation rates.
payabl. has launched Click to Pay with Visa, a card payment solution designed to reduce checkout friction, improve authorisation rates, and deliver a faster and more secure online payment experience.
Click to Pay replaces manual entry of card numbers with a token-based checkout experience. Once a customer’s card is enrolled, purchases can be completed in a few clicks without re-entering card details.
This creates a faster checkout experience similar to 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 an 11% increase in authorisation rates compared to manual card entry, along with reduced fraud through network tokenisation. Faster checkout also helps reduce cart abandonment, particularly on mobile.
“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.”
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Visa Click to Pay is available through payabl.checkout, allowing merchants to activate the feature 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,” said Michael Ioannides, Country Manager, Visa Cyprus.
“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 Ioannides.
The launch is part of payabl.’s broader focus on checkout optimisation, aimed at improving conversion, approvals, and payment reliability. Click to Pay with Visa is now available for eligible merchants across Europe.
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Checkout expectations are rising across Europe
Insights from payabl.’s State of European Checkouts report highlight the growing importance of frictionless payment experiences.
The research found that consumers prioritise speed (46%), convenience (44%), and security (41%) when choosing a payment method. More than half (53%) are open to switching to newer payment options, and 48% are willing to adopt one-click checkouts when backed by trusted brands.
“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 reflects a broader shift toward simplifying checkout experiences to improve conversion, reduce friction, and strengthen customer retention.
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