Smooth. Simple. Secure. For everyone, everywhere.

With advancements in technology, e-commerce has
come on in leaps and bounds

+ 13.8 % YoY growth in online spend.¹

> 50 % of payments are tokenized.²

But three major challenges still affect sales conversion

Fraud rates can vary greatly from 2 to 20 bps.³

Customer experiences remain inconsistent.

Varying data quality affects decisions and personalisation.

What if online payments could always be as fast, simple and secure as face-to-face?

Imagine a world where...

  • You never need to enter your card details manually.
  • One-time passcodes and redirects are a thing of the past.
  • Every transaction is simple and secure.

Turn potential into real results with Visa’s trusted solutions

We’re enhancing two of our most widely used and trusted solutions – Visa Token Service and Visa Secure. These upgrades will provide more choices for clients to optimise performance by driving down fraud, improving data sharing and enhancing data quality.

Visa Token Service

Visa Token Service is the foundation of all things token at Visa. It’s already driving real impact in 
authorization and fraud rates.

Up to 5 % increase in authorization rates⁴

Up to 50 % reduction in fraud⁴

We’re not stopping there; our vision will continue to evolve as the ecosystem shifts, and we’ll keep building on our successes. But to get there, we need everyone to play their part, for the benefit of all players.

Explore our solutions

Visa Token Service

Visa Token Service replaces sensitive card details with secure tokens –reducing fraud and boosting authorization rates.
 

Visa Secure

Visa Secure enables more transaction data to be shared, adding a layer of security to help reduce fraud and boost approval rates.
 

Click to Pay

Visa Click to Pay is a token-based solution that replaces the need for manual PAN entry – providing a secure, effortless online payment experience to help keep up with customer expectations.
 

Visa Payment Passkey

Visa Payment Passkey replaces traditional passwords with on-device biometric verification – delivering a simple, secure and reliable online payment experience.
 

In conversation: the future of payments is closer than you think

Hear directly from the experts on the tech reshaping online payments – unpacking how enhanced data, biometric authentication and tokenization are redefining speed, security and simplicity for the digital age.

Ready to shape the future of digital commerce?

Take a confident step to success with Visa.

Connect with us

Additional resources

Visa e-commerce experience overview

Explore how Visa is building the future of e-commerce with Vee
 

Visa Token Service and Visa Secure enhancements

Discover the latest enhancements to Visa Token Service and Visa Secure
 

EMV® is a registered trademark in the U.S. and other countries and an unregistered trademark elsewhere. The EMV trademark is owned by EMVCo, LLC.

1. European e-commerce revenue, Statista, October 2024

2. Visa Europe Acquired CNP transactions in October – December 2024 

3. VisaNet data, February 2024 – 2025.

4. Tokens vs PAN. VisaNet Data up to December 2024. 

5. Authenticated vs unauthenticated PAN. VisaNet Data up to December 2024.