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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, 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.
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  3. 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.
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  5. Enter your credit card details and billing address. You’ll also need to enter your phone number, which is required.
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  7. You’ll see the credit card you just added in the My Cards section of your Visa Checkout account.
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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.
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  4. A Visa Checkout popup will appear. Enter your email address.
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  6. You’ll receive a one-time code in your email. When you receive it, enter it in the Visa Checkout popup.
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  8. Review your payment and shipping details, then finalize your purchase.
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Which stores accept Visa Checkout?

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

Apparel and retail

  • 49ers
  • Athleta
  • Banana Republic
  • Beyond the Rack
  • Bluefly
  • Boston Celtics Store
  • Brooklyn Nets Store
  • Cle de Peau Beaute
  • Cole Haan
  • Cusp by Neiman Marcus
  • Eddie Bauer
  • Exclusive Stadium Collection
  • Fabletics
  • Fanatics
  • Food Network Store
  • HSN
  • Jos A Bank
  • JustFab
  • Kazbah Street Market – karmaloop
  • Kohl’s
  • Lands’ End
  • MashableShop
  • Neiman Marcus
  • Neiman Marcus Last Call
  • New Orleans Saints Shop
  • NFL Shop
  • Old Navy
  • Ritchie Swimwear
  • Rue21
  • Shiseido
  • Shoebuy
  • Shoedazzle
  • ShopFox
  • SmartWool
  • Sundance Catalog
  • Team USA Shop
  • Title Nine
  • Under Armour


  • Carter’s
  • FabKids
  • Janie and Jack
  • Old Navy
  • Oshkosh


  • Animal Planet Stores
  • CBS Store
  • Cirque Du Soleil
  • Fandango
  • HBO Shop
  • History Education
  • Living Social
  • Live Nation
  • MSNBC Store
  • NBC Universal Store
  • Sci Science Store
  • Star Trek shop
  • SyFy Store
  • TCM Shop
  • USA store

Food and drink

  • Chick-Fil-A
  • Dunkin’ Donuts
  • Papa Johns
  • Pizza Hut
  • Starbucks
  • Taco Bell

Home and electronics

  • Adorama
  • Beach Camera
  • Kitchen & Company
  • Monoprice
  • Rachael Ray Store
  • Staples
  • TigerDirect
  • Walgreens
  • Williams-Sonoma
  • Wine Enthusiast

Specialty and gifts

  • Autoparts Warehouse
  • Barnes & Noble College
  • Cheryl’s
  • DiscountAutoMirrors
  • DiscountBodyParts
  • Fannie May
  • Fruit Bouquets
  • Girl Scouts
  • Harry and David
  • JC Whitney
  • Parkmobile
  • Shutterfly
  • Stock Yards
  • Teleflora
  • The Popcorn Factory
  • US Auto Parts
  • Wolferman’s


  • Alaska Airlines
  • Avis
  • Baymont Inn & Suites
  • Days Inn
  • Emirates
  • Hawthorn Suites by Wyndham
  • Howard Johnson
  • Knights Inn
  • Marriott
  • Microtel Inns & Suites
  • Ramada
  • Student Universe
  • Super 8
  • Travelodge
  • United Airlines
  • Virgin America
  • Wingate by Wyndham
  • Wyndham
  • Wyndham Garden
  • Wyndham Grand

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.

1 - 3 of 39
Name Product Welcome Offer Rewards Annual fee Filter values
Capital One VentureOne Rewards Credit Card
Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
Earn unlimited 1.25x miles on every purchase, every day. Earn 5x miles on hotels and rental cars booked through Capital One Travel
Earn 20,000 bonus miles once you spend $500 on purchases within the first 3 months from account opening.
Instacart Mastercard®
Instacart Mastercard®
Get a free year of Instacart+ and a $100 Instacart credit automatically upon approval. Membership auto-renews. Terms apply
5% cash back on Instacart, 5% on travel through the Chase Travel Center, 2% on dining, gas, and select streaming services and 1% on all other purchases
Not just for Instacart, this card also offers competitive cash back in everyday categories like dining and gas.
Capital One Venture Rewards Credit Card
Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel

2x miles on every purchase, every day, 5x miles on hotels and rental cars booked through Capital One Travel, 5x miles when you book on Turo, the world’s largest car sharing marketplace, through May 16, 2023
Earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months ​from account opening.

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

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