Shopping online can be fun and easy, but the checkout process can put a damper on the experience. Entering your shipping and billing address, and having to dig out your credit card to enter payment details, can really slow things down. The friction might even be enough to make you cancel your transaction altogether.
If you’re sick of dealing with this annoying checkout ritual, Visa Checkout might help.
What is Visa Checkout?
Visa Checkout is a free payment option that lets you make purchases at certain retailers with just your email. To use it, create a Visa Checkout account beforehand with your email, credit card information and shipping details. You can use this account across all partner retailers.
Despite its name, this feature doesn’t work only with Visa cards. You can also add any major credit or debit card, such as Mastercard and American Express.
Why use Visa Checkout?
Convenience. When you’re checking out at an online retailer, it can be a hassle to pull out your credit card, type in your card information and enter your billing and shipping address. But with Visa Checkout, your card details and address will be automatically populated. All you need to do is confirm your purchase.
More secure. When you use Visa Checkout, your credit card details aren’t stored on a retailer’s website. That’s one fewer place where potential hackers might access your data. The service also helps you keep your information up to date. If you add a Visa card to your account and it’s reissued — perhaps due to fraud — Visa Checkout will update the card details for you.
What are the fees to use Visa Checkout?
There’s no cost to use Visa Checkout. You can sign up for free, and using it with online retailers comes with no fees.
How Visa Checkout works: Signing up and using
Using Visa Checkout is fairly straightforward. First, register an account at the Visa Checkout website. Then sign in to this account to pay for purchases at participating retailers.
How to register for Visa Checkout
Visit the Visa Checkout website and click Enroll now.
Complete the form with your first name, last name, email address and country. Then click Create account. You don’t need to create a password. Each time you log in to Visa Checkout — either through the Visa site or a retailer — you’ll receive a one-time password in your email.
Enter your credit card details and billing address. You’ll also need to enter your phone number, which is required.
You’ll see the credit card you just added in the My Cards section of your Visa Checkout account.
What sets Visa Checkout apart?
Visa Checkout is very similar to Mastercard Masterpass and Amex Express Checkout, two competing services. However, it’s currently accepting new signups, while Masterpass isn’t. And while anyone can sign up for Visa Checkout, you must be an Amex customer to use Amex Express Checkout.
How to use Visa Checkout
Shop at a retailer partnered with Visa Checkout.
When you’re ready to pay for your purchase, initiate checkout and click the Visa Checkout logo. At some retailers, you may need to click a dropdown menu to find other payment options.
A Visa Checkout popup will appear. Enter your email address.
You’ll receive a one-time code in your email. When you receive it, enter it in the Visa Checkout popup.
Review your payment and shipping details, then finalize your purchase.
Which stores accept Visa Checkout?
Here’s a partial list of merchants and retailers that accept Visa Checkout, according to Visa.ca.
Aldo
Gap
Banana Republic
Old Navy
Cineplex Entertainment
Clearly.ca
Grand & Toy
Indigo
Grand & Toy
Indigo
Kobo
Lowe’s Canada
London Drugs
United Airlines
Roots
Running Room
Staples Canada
Simons
Ticketmaster
Pizza Pizza
Heart and Stroke Foundation
World Vision
Compare credit cards to use with Visa Checkout
Though you might already have a credit card, you may want to compare cards from other providers to find the best one for you. Here are a few of our top picks.
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Bottom line
If you’re tired of entering your shipping, billing and payment details while paying for online purchases, Visa Checkout can help. After registering for an account, you can use it to pay at may popular retailers. You can add any major credit or debit card to your account.
Frequently asked questions
You can delete your Visa Checkout account by visiting Visa’s Close Account page. Log in with your credentials, enter the one-time code you receive in your email and click Delete Info.
According to Visa, Visa Checkout fraud volume is 63% lower than transactions not using the service. The company says it achieves these results through its risk and authentication tools at each stage of the checkout process.
Visa also closely monitors transactions made through the service, looking for inconsistencies in buyer behavior.
Visa Checkout no longer works with Samsung Pay. The companies discontinued their partnership in June 2019.
Kevin Chen is a personal finance expert and a former writer at Finder. His expertise has been featured in CNN, U.S. News and World Report, Lifehacker and CreditCards.com, among other top media. See full bio
Stacie Hurst is an editor at Finder, specializing in loans, banking, investing and money transfers. She has a Bachelor of Arts in Psychology and Writing, and she has completed FP Canada Institute's Financial Management Course. Before working in the publishing industry, Stacie completed one year of law school in the United States. When not working, she can usually be found watching K-dramas or playing games with her friends and family. See full bio
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