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

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, American Express and Discover.

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.

1. 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.

1. Enter your credit card details and billing address. You’ll also need to enter your phone number, which is required.

1. You’ll see the credit card you just added in the My Cards section of your Visa Checkout account.

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.

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

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

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

Which stores accept Visa Checkout?

Here’s a list of Visa Checkout retailers featured on the Visa website.

Apparel and retail

Children’s

Entertainment

Food and drink

Home and electronics

Specialty and gifts

Travel

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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Name	Product	Welcome offer	Rewards	Annual fee	Filter values
Blue Cash Everyday® Card from American Express		$200 after spending $1,000 in the first 3 months	2% at US gas stations and select US department stores, 3% at US supermarkets on up to $6,000 per year, then 1% after that and on all other purchases	$0		Get 3% cash back on groceries on up to $6,000 annually (then 1%) with no annual fee. This is a simple and effective rewards card. Rates & fees	Apply now View details	Compare	loading Fetching your data...
Chase Freedom Flex℠		$200 after spending $500 in the first 3 months, plus 5% cash back at grocery stores on up to $12,000 in the first year	5% back in rotating categories up to $1,500 combined each activated quarter (then 1%), 5% on travel purchased through Chase, 3% on dining and drugstores, and 1% on all other purchases	$0		Get up to 5% cashback in rotating and newly added everyday categories. The refreshed Freedom Flex card has lots of earning potential.	Apply now View details	Compare	loading Fetching your data...
Blue Cash Preferred® Card from American Express		$300 after spending $3,000 in the first 6 months (Offer expires 12/10/2020)	6% on select US streaming services, 3% on transit and US gas stations, 6% at US supermarkets on up to $6,000 annually, then 1% after that and on all other purchases	$0 intro annual fee for the first year ($95 thereafter)		Perfect for families: Get up to 6% on everyday purchases and a welcome offer worth $300. This heavy-hitter rewards card has uncontested value. Rates & fees	Apply now View details	Compare	loading Fetching your data...
Chase Sapphire Preferred® Card		80,000 points after spending $4,000 in the first 3 months, a value of up to $1,000 through Chase Ultimate Rewards	5x points on Lyft, 2x points on travel and dining and 1x points on all other purchases	$95		Earn a huge signup bonus worth $$1,000 with this popular travel card. Combine with other Chase Ultimate Rewards cards for even greater value.	Apply now View details	Compare	loading Fetching your data...
Citi® Double Cash Card		N/A	Up to 2% cash back on purchases (1% when you buy plus 1% as you pay)	$0		Earn up to 2% on every purchase with no annual fee. This is the highest flat-rate cashback card on the market.	Apply now View details	Compare	loading Fetching your data...
American Express® Gold Card		60,000 points after spending $4,000 in the first 3 months	3x points on directly-booked flights; 4x at restaurants; 4x at US supermarkets on up to $25,000 annually (then 1x points)	$250		Earn up to 4x points on select purchases, a bevy of travel perks, and a welcome offer worth up to $600 with this upper-mid tier travel card. Rates & fees	Apply now View details	Compare	loading Fetching your data...
Chase Freedom Unlimited®		$200 after spending $500 in the first 3 months, plus 5% cash back at grocery stores on up to $12,000 in the first year	5% cash back on travel purchased through Chase, 5% on Lyft, 3% on dining and drugstores and 1.5% on all other purchases	$0		This solid 1.5% cashback card gets even better with the addition of up to 5% back in categories like travel, drug stores and dining.	Apply now View details	Compare	loading Fetching your data...
Petal 2 “Cash Back, No Fees” Visa® Credit Card		N/A	Up to 10% cash back from select merchants, on other purchases earn 1% back, 1.25% after six on-time payments and 1.5% after 12 on-time payments	$0		Build your credit with rewards and no fees: Apply if you're new to credit or have a fair to good score of 600 or higher. See if you prequalify with no impact to your score.	Apply now View details	Compare	loading Fetching your data...
Costco Anywhere Visa® Card by Citi		N/A	4% at gas stations on up to $7,000 annually (then 1%), 3% at restaurants and on travel, 2% at Costco and 1% on all other purchases	$0		An impressive cashback card that offers up to 4% back on everyday purchases like gas, travel and dining all for the cost of a Costco membership.	Apply now View details	Compare	loading Fetching your data...
American Express Cash Magnet® Card		$150 after spending $1,000 in the first 3 months	1.5% cash back on all purchases	$0		With 1.5% back on everything and a 15 months intro APR on purchases, this no-annual-fee rewards card makes it simple to earn more rewards. Rates & fees	Apply now View details	Compare	loading Fetching your data...
Chase Sapphire Reserve®		50,000 points after spending $4,000 in the first 3 months	10x points on Lyft rides, 3x points on dining and travel after earning your $300 travel credit and 1x points on all other purchases	$550		Get a generous $300 in annual travel credits, 3x points on travel and dining, and a 50% bonus on point redemptions with Chase's premier card.	Apply now View details	Compare	loading Fetching your data...
Delta SkyMiles® Gold American Express Card		50,000 miles after spending $2,000 in the first 3 months until 10/28/2020	2x miles on Delta purchases, restaurants and at US supermarkets and 1x miles on all other purchases	$0 intro annual fee for the first year ($99 thereafter)		With a welcome offer worth up to $600, up to 2x miles on select purchases, and assorted Delta perks, this is a strong choice for Delta fans. Rates & fees	Apply now View details	Compare	loading Fetching your data...
Hilton Honors American Express Card		80,000 points after spending $1,000 in the first 3 months	7x points on Hilton Honors purchases, 5x at US restaurants, US supermarkets and US gas stations, 3x on all other purchases	$0		With a massive welcome offer for a no-annual-fee card and up to 7x points at Hilton, this is a solid pick for Hilton fans and occasional travelers. Rates & fees	Apply now View details	Compare	loading Fetching your data...
CardMatch™ from creditcards.com		See terms	See terms	See terms		Use the CardMatch tool to find cards you're likely to qualify for with your credit score, without a hard pull on your credit.	See offer View details	Compare	loading Fetching your data...
Southwest Rapid Rewards® Priority Credit Card		40,000 points after spending $1,000 in the first 3 months	2x points on Southwest and Rapid Rewards hotel and car rentals and 1x points on all other purchases	$149		Earn 40,000 points after you spend $1,000 in the first 3 months of account opening.	See offer View details	Compare	loading Fetching your data...
Credit One Bank® Visa® with Free Credit Score Access		N/A	1% cash back on all purchases or in categories based on Credit One Bank’s discretion	$0 to $99		Get 1% cash back on all purchases or in categories based on Credit One Bank’s discretion.	Apply now View details	Compare	loading Fetching your data...
Credit One Bank® Unsecured Visa® with Cash Back Rewards		N/A	1% cash back on all purchases or in categories based on Credit One Bank’s discretion	$0 to $99		Earn 1% cash back on all purchases or in categories based on Credit One Bank’s discretion.	Apply now View details	Compare	loading Fetching your data...
Credit One Bank® Unsecured Visa® for Rebuilding Credit		N/A	1% cash back on all purchases on eligible purchases	$0 to $99		Earn 1% cash back on all purchases or in categories based on Credit One Bank’s discretion.	Apply now View details	Compare	loading Fetching your data...
Official NASCAR® Credit Card from Credit One Bank®		N/A	Up to 1% cash back on eligible purchases determined by Credit One and double cash back at the NASCAR Shop	$0 to $99		Get up to 1% cash back rewards on eligible purchases determined by Credit One and double cash back rewards at the NASCAR Shop.	Apply now View details	Compare	loading Fetching your data...
Delta SkyMiles® Blue American Express Card		10,000 miles after spending $500 in the first 3 months	2x miles at restaurants and on direct Delta purchases and 1x miles on all other purchases	$0		Earn 2x miles on Delta purchases and dining with this simple, entry-level Delta card, and pay no annual fee. Rates & fees	Apply now View details	Compare	loading Fetching your data...
Hilton Honors American Express Surpass® Card		130,000 points after spending $2,000 in the first 3 months	12x points on Hilton Portfolio spending, 6x at US restaurants, US supermarkets and US gas stations, 3x on all other purchases	$95		With a big welcome offer worth up to $650, up to 12x points on spending, and free Gold status, this is an upgrade from the entry Hilton card. Rates & fees	Apply now View details	Compare	loading Fetching your data...

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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 dozens of retailers. You can add any major credit or debit card to your account.

Frequently asked questions

• How do I delete my Visa Checkout account?

  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.

• How secure is Visa Checkout?

  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.

• Can I still use Visa Checkout with Samsung Pay?

  Visa Checkout no longer works with Samsung Pay. The companies discontinued their partnership in June 2019.