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Visa Checkout: What is it and how does it work?

Make payments more conveniently at participating retailers.

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

  1. Visit the Visa Checkout website and click Enroll now.
    Visa Checkout screenshot, main page of website
  2. 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.
    Visa Checkout screenshot, form to create an account
  3. Enter your credit card details and billing address. You’ll also need to enter your phone number, which is required.
    Visa Checkout screenshot, input billing information
  4. You’ll see the credit card you just added in the My Cards section of your Visa Checkout account.
    Visa Checkout screenshot, My Cards section of 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

      1. Shop at a retailer partnered with Visa Checkout.
      2. 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.

Visa Checkout screenshot, logo visible at online retailer checkout

      1. A Visa Checkout popup will appear. Enter your email address.

Visa Checkout screenshot, popup asking for email address

      1. You’ll receive a one-time code in your email. When you receive it, enter it in the Visa Checkout popup.

Visa Checkout screenshot, enter one-time security code

      1. Review your payment and shipping details, then finalize your purchase.

Visa Checkout screenshot, payment and shipping details screen

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.

Name Product Welcome Offer Rewards Purchase Interest Rate Annual Fee Min. Credit Score Description
Scotiabank Passport Visa Infinite Card
35,000 points
Up to 2 points per $1 spent
19.99%
$139
Min. recommended credit score: 750
Earn up to 35,000 bonus Scene+ points in your first year (that’s up to $350 towards travel). Apply by July 4, 2022.
Simplii Financial Cash Back Visa Card
10% cash back
Up to 4% cash back
9.99% intro APR for the first 6 months, 19.99% thereafter
$0
Min. recommended credit score: 650
Get 10% bonus cash back at eligible restaurants and bars for the first 4 months (up to $500 spend). Plus, get a 9.99% introductory annual interest rate on purchases for the first 6 months.
RBC Avion Visa Infinite
55,000 points
Up to 1 point per $1 spent
19.99%
$120
Min. recommended credit score: 650
Get up to 55,000 Welcome Points. Get 35,000 points on approval and 20,000 bonus points when you spend $5,000 in your first 6 months. Apply by September 16, 2022.
Scotiabank SCENE Visa Card
5,000 points
Up to 5 points per $1 spent
19.99%
$0
Min. recommended credit score: 660
Earn 5,000 bonus Scene+ points when you spend a minimum of $750 on eligible purchases in the first three months as a new SCENE Visa cardholder. Apply by August 31, 2022.
RBC Rewards+ Visa
3,500
Up to 2 points per $1 spent
19.99%
$0
Min. recommended credit score: 650
Earn up to 3,500 RBC Rewards points by going digital in the first 60 days.
Refresh Financial Secured Card
N/A
N/A
17.99%
$12.95
Min. recommended credit score: Any score
The Refresh Secured Card has no credit check, a low annual fee and guaranteed approval once you secure your card with anywhere from $200 - $10,000.
Scotiabank Value Visa Card
0% rate on Cash Advances for 6 months
N/A
12.99%
$29
Min. recommended credit score: 660
Get a 0.00% introductory interest rate on Cash Advances for the first 6 months. Plus, pay no annual fee in the first year. Apply by August 31, 2022.
BMO eclipse Visa Infinite Privilege
90,000 points
5 points per $1 spent
20.99%
$499
Min. recommended credit score: 760
Get up to 90,000 welcome points in your first year.
Home Trust Secured Visa (No Annual Fee)
N/A
N/A
19.99%
$0
Min. recommended credit score: Any score
The no annual fee Home Trust Secured card comes with a standard 19.99% purchase and cash advance rate. Apply with any credit score and start rebuilding your credit.
Scotia Momentum Visa Infinite Card
10% cash back
Up to 4% cash back
20.99%
$0 annual fee for the first year ($120 thereafter)
Min. recommended credit score: 750
Earn 10% cash back on all purchases for the first 3 months. Plus, pay no annual fee in the first year. Apply by August 31, 2022.
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Compare up to 4 providers

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.

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