What Is Visa Checkout?

What Is Visa Checkout?

Written by Lisa Rennie
Fact-checked by Caitlin Wood
Last Updated September 29, 2021

Shopping online might be very convenient, but the checkout process can be a bit of a nuisance. Having to fumble through your wallet to grab your credit card and type in all the details can be a bit of a pain. In fact, it’s not uncommon for some online shoppers to abandon their online carts because of a complicated checkout process.

Luckily, Visa Checkout can simplify things. Once you’ve got an account ready to go, all of your information will be automatically populated to make things super convenient at checkout. 

Let’s look into Visa Checkout in a little more detail to help you decide if this service is worthwhile for your online shopping endeavours.

What Is Visa Checkout?

Visa Checkout is a payment tool that lets cardholders use just their email to make purchases at participating retailers. Rather than having to enter all the details of your Visa card, you simply login with your username and password and all your card information will automatically populate. 

This tool also works with other credit cards, including Mastercard and American Express.

How Does Visa Checkout Work?

To use Visa Checkout, you’ll first need to sign up for an account using your email address, name, location, and a password that you create. Once enrolled, all you’ll need to do is enter your username and password to make a payment using your Visa card, or any other credit card that you have an account with. 

When you choose the account you want to use to make your payment with, it will populate all of that card’s information on the retailer’s webpage. 

If you’re using Visa Checkout on a mobile device, you’ll have the option to use the platform on the retailer’s app.

Can your credit card rewards be taxed? Find out here.

How Is Visa Checkout Different From A Credit Card? 

Visa Checkout is like a digital wallet, which allows you to store your credit card account information, make payment transactions, and track payment histories using your computer or mobile device. There’s no need to have your physical Visa card with you, as all of your card’s data will be accessible through a secure login portal. 

You also have the freedom to choose to use another credit card besides your Visa if you have others on file. That means you can essentially use Visa Checkout as a substitute for carrying all of your credit cards with you. 

Learn more about how many credit cards you should have.

Benefits Of Visa Checkout

There are plenty of perks that come with having a Visa Checkout account, including the following:

  • Convenience. It’s a lot easier and faster to checkout using Visa Checkout than to have to physically enter all of your credit card information at a retailer’s online checkout portal. Since your Visa details are already entered into your Visa Checkout account, all you need to do is click a button to confirm your purchase. 
  • Security. Visa Checkout is a secure tool. None of your credit card information will be retained on retailers’ websites when you use Visa Checkout to make a purchase. As such, there’s no need to be concerned about potential hackers accessing your credit card information when you make a purchase using this tool on a retailer’s website. 
  • Free to use. There is no cost to have an account with Visa Checkout. 
  • Store multiple credit card accounts. Despite the name of this tool, you can store more than just your Visa card information. You can also store other credit card data, including MasterCard and American Express, if you choose to use a card other than your Visa. As such, this can help you avoid the need to carry around your physical credit cards. And it can also come in handy if you ever forget your wallet. 
  • Accepted at many major retailers. Several major online stores accept Visa Checkout, including Walmart, Lowe’s, Cineplex, Best Buy, and Starbucks, among others. 

Check out our list of the best low-interest credit cards in Canada.

How Do You Sign Up For Visa Checkout?

Signing up for Visa Checkout is easy and involves the following steps:

  • Visit the Visa Checkout website and click on “Enroll now.”
  • Fill out the form with your name, email address, and country, then click “Create account.”
  • Enter your credit card information, billing address, and phone number.

The credit card you add will appear in the “My Cards” section of your account.

What Happens To Your Credit Cards When You Use Visa Checkout?

You may see updates to any saved credit cards in Visa Checkout. All Visa credit cards stored in your Visa Checkout account can be used anywhere that Visa is accepted. 

Non-Visa credit cards saved in Visa Checkout, on the other hand, won’t be automatically transferred. Instead, you’ll have to set up a click to pay with a Visa at a participating retailer when you checkout.

Learn more about what it means to have a negative credit card balance.

Visa Checkout FAQs

Where can I use Visa Checkout?

Visa Checkout can be used anywhere that Visa is accepted. 

Is Visa Checkout safe?

Yes, Visa has implemented several security layers to prevent fraudulent activity, including Visa Zero Liability policy, Visa Secure, Neural Networks, and EMV Chip Security.

Which cards can I use to pay using Visa Checkout?

Visa Checkout can be used with Mastercard, Discover and American Express credit cards, as well as debit cards. 

Final Thoughts

The checkout process can be a bit cumbersome when you shop online, especially when it comes time to have to input all your credit card information. But with Visa Checkout, you can speed through the process with minimal effort. If you’re looking to simplify things when it’s time to pay for your items, consider signing up for Visa Checkout.

Rating of 5/5 based on 1 vote.

Lisa has been working as a writer for more than a decade, creating unique content that helps to educate Canadian consumers in the realms of real estate, mortgages, investing and financial health. For years, she held her real estate license in Toronto, Ontario before giving it up to pursue writing within this realm and related niches. Lisa is very serious about smart money management and helping others do the same. She's used a variety of financial tools over the years and is currently growing her money with Wealthsimple, while stashing some capital in a liquid high-interest savings account so that she always has a financial cushion to fall back on. She's also been avidly using her Aeroplan TD credit card to collect as many Aeroplan points as possible to put towards her travels!

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