Lower your operating costs
Stand up to the friction triple threat
Friction at checkout, authentication, and authorisation can have a big impact on business. From the unavailability of preferred payment methods to incorrect or incomplete customer data, and false declines to failed payments, the result is the same: abandoned carts, lost customers, and lost revenue.
By managing consumer credentials effectively you can:
Smarter credentials, smoother payments, higher conversions
A credentials strategy could be the key to better checkout experiences. A seamless checkout isn’t just about speed—it’s about security, efficiency, and keeping customers from dropping off. This guide breaks down the essentials of why credentials matters, how they impact conversion rates, and what steps businesses can take to optimise their payment experience.
Create possibilities with credentials
Become a checkout champion by uncovering opportunities to increase profits, attract more customers, and accelerate business growth, with a strong credentials strategy.
Reduce costs with fewer integrations and maintain regional regulatory and brand compliance without the need for dedicated in-house resources.
Empower growth
Keeping pace with payments innovation can help merchants increase profitability, with faster checkouts, biometric authentication, and improved approval rates.
Grow through innovation
Simplify credentials management by implementing our modular solutions into your payments environment, giving you the flexibility to meet evolving needs, and unlock revenue.
Explore our credentials resources
foodpanda: Delivering better checkout experiences for customers internationally
See how foodpanda integrated our tokenisation to streamline their checkout process and improve their payment success rate by 3.3%.*
Turning clicks to conversions
Join payment experts Jasmine Ng from Visa and Kian Teck Soh from 2C2P in this webinar to learn how a credentials strategy can help you reduce lost sales and increase authorisation rates.
Our solutions: your engine for growth
Enhance your checkout experience by adding these items to your basket.
Token Management Service
Simplify payments by managing tokens across networks, issuers, and channels, to help improve consumer experience and reduce fraud—while boosting revenue. 10+ billion Visa network tokens—and counting.4
Click to Pay
Reduce friction and streamline checkouts with Click to Pay. Our Click to Pay Drop-in UI slots directly into merchants’ existing checkout pages with minimal coding for maximum reward.
Account Updater
Keep your card-on-file portfolio current with automatic updates5—so you can keep payments flowing without diverting time and resources.
Payer Authentication
Use the latest capabilities in EMV 3-D Secure to authenticate customers’ identities before authorisation, reducing false declines and chargebacks, without adding unnecessary friction at checkout.
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Our multi-market presence demands a partner combining innovative technology with local expertise. Visa’s agnostic global platform Cybersource delivers that.
foodpanda
1 VML. (24 Sep 2024). The Future Shopper 2024. https://www.vml.com/insight/the-future-shopper-2024-has-landed.
2 Statista. (21 Jun 2024). Main reasons why consumers abandon their orders during the checkout process in the United States in 2024. https://www.statista.com/statistics/1228452/reasons-for-abandonments-during-checkout-united-states/.
3 VisaNet, Oct–Dec 2022. Visa credit and debit card-not-present transactions for tokenised vs non-tokenised credentials in the AP region.
4 Cybersource Token Management Service and Secure Storage token metrics on 13 September 2022 as calculated by Cybersource Database Engineering team.
5 The card issuer must be enrolled in the Visa Account Updater programme, Mastercard Automatic Billing Updater, or American Express Refresher.
This page contains information that was obtained from publicly available sources. As such, Visa does not make any warranty or representation as to the completeness or accuracy of the information within this document, nor assume any liability or responsibility that may result from reliance on such information contained on this page.
*Disclaimer: Case studies, statistics, research and recommendations are provided “AS IS” and intended for informational purposes only and should not be relied upon for operational, marketing, legal, technical, tax, financial or other advice. Visa Inc. does not make any warranty or representation as to the completeness or accuracy of the Information within this document, nor assume any liability or responsibility that may result from reliance on such Information. The Information contained herein is not intended as legal advice, and readers are encouraged to seek the advice of a competent legal professional where such advice is required.