Visa Click to Pay Goes Live for Revolut Users in Europe

Visa has turned on its Click to Pay feature for eligible Revolut Visa cardholders across Europe and the UK. The system replaces manual card number entry with tokenised credentials, cutting checkout time by up to 20 seconds per transaction, according to Visa network data.

Revolut is enabling the feature at the card level, so millions of its 40 million European users – including more than 13 million in the UK – will be automatically enrolled when shopping at participating online merchants. The bank also plans to roll out the option in Singapore, Australia, New Zealand, and Japan, and is making it available to merchants in the UK and Europe.

Visa’s data shows the technology can reduce fraud by up to 91% by replacing exposed card details with secure digital tokens. Authorisation rates improve by as much as 11% compared with manual card entry.

“By bringing Visa Click to Pay to millions of people, they are 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,” said Mathieu Altwegg, Head of Product and Solutions, Europe, at Visa.

Alex Codina, General Manager of Merchant Payments at Revolut, said: “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.”

The infrastructure leans on network tokenisation, which replaces static card numbers with credentials designed for digital commerce. The system also supports Visa Payment Passkeys, which use biometrics to confirm a shopper’s identity quickly. Visa framed the integration as laying groundwork for embedded commerce and digital verification use cases where payments and identity work in the background.

The move signals a broader industry shift away from manual card entry toward tokenised, biometric-authenticated flows. For other payment networks and card issuers, the rollout raises the competitive pressure to offer similar frictionless checkout experiences. Revolut’s scale – more than 40 million users across Europe – means a chunk of the region’s online shoppers will now default to a checkout method that skips password and code entry. If adoption mirrors Visa’s internal metrics, the payoff in fraud reduction alone could justify the switch for other large issuers, several payments analysts said.

Tokenisation also changes the data-collection dynamic. Merchants get fewer raw card numbers flowing through their systems, which reduces the attack surface for breaches. For consumers, the shift means less reliance on one-time codes and passwords, a friction point that often causes cart abandonment. Visa said the rollout extends to both domestic and cross-border transactions, which removes a headache for travellers buying from overseas sites.