Lower your operating costs
Stand up to the friction triple threat
Friction at checkout, authentication, and authorisation can have a big impact on your 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 customer credentials effectively you can:
Create possibilities with credentials
Help merchants become checkout champions 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 merchant growth
Keeping pace with payments innovation can help you increase profitability for your merchants, 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 merchants’ evolving needs, and unlock revenue.
Discover the secrets of seamless sales
In our recent webinar Visa payments experts Mari-Anne Bayliss and Tim Garrett give an overview of tokenisation and credentials management. Learn about the key role they can play in the future of authentication with biometrics and one-touch solutions like Click to Pay, and find out how to easily implement these innovations with our Token Management Service and Click to Pay Drop-in UI.
Our solutions: your engine for growth
Enhance your merchants’ checkout experience by adding these items to your basket.
Token Management Service
Simplify payments by managing tokens across networks, card schemes, and merchants, to help your merchants improve customer experience and reduce fraud, while boosting revenue—for you and for them. 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.
See our transaction transformations
Streamlining in-vehicle commerce
We’re helping Sheeva.AI deliver unifying car-centred services—like refuelling, parking, or buying a meal—all from your car’s infotainment screen. Token Management Service is making these payments secure and seamless across regions, with just a one-touch confirmation on screen needed to authorise a transaction.*
Fighting friction for a global retailer
Working with Agivant, we are helping a leading global retailer streamline payment acceptance. We exported more than 2.5 million tokens smoothly and securely into Token Management Service, which together with Account Updater deliver a seamless checkout, enhancing the retailer’s business and helping foster future growth and innovation.*
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Integrating with Token Management Service was super simple and easy! We generated our first token in less than 10 days and immediately noticed the change in approval rates.
Pay.com
1 European eCommerce report 2021 & 2022, The State of European checkouts in 2022 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.
2 2UK consumers expect fast and frictionless payment journeys, Tink, 2022
3 VisaNet data: Visa Token Card-Not-Present transactions approval rate as of Mar 2024 in Europe
4 Cybersource Token Management Service and Secure Storage token metrics on Sept. 13, 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.
* 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.