Turn payments into a growth engine

The way consumers pay is changing – and fast. Whether shopping in-store, online or in-app, they now expect flexible, convenient options at checkout. Embedded payments are fast becoming a key part of this journey – changing how and where financial services are delivered.

With adoption accelerating, the opportunity is clear:

€ 180 bn projected embedded finance market size in Europe by 2028.¹

48 % of UK consumers are more likely to buy from merchants offering embedded payment options like instalments.²

40 % of UK consumers now use digital instalments, up from just 3% in 2020.³


Why embedded payments matter

Unifying the customer journey at checkout keeps users within your ecosystem – and opens the door to real, measurable gains.

Higher conversions

Fewer barriers at checkout mean more customers complete their purchase.

Bigger baskets

Flexible payment options make large-ticket items more accessible.

Stronger loyalty

Personalised experiences help turn one-time buyers into repeat customers.

Smoother operations

Streamlined, reliable payment flows reduce drop-off and minimise customer support overhead.

New revenue streams

Embedded payments create opportunities for growth through added services and partnerships.

Elevated brand

A smoother checkout experience can enhance brand perception and position you as a valued financial partner.

How you can make the most of the opportunity

What Visa can offer

With our deep expertise, trusted partnerships, and innovative payment technologies, Visa can help you implement an embedded payments strategy that meets today’s consumer expectations. Whether you're still exploring or ready to launch, we offer the support and tools to help you succeed.

Unlock growth with embedded payments

Partner with Visa to bring seamless, personalised payment experiences into your checkout – and turn everyday transactions into long-term customer value.

Trends and highlights from Visa

See how embedded finance is transforming the credit landscape

Explore our insights

Discover how embedded finance is unlocking loyalty and revenue at checkout

Learn how

Unpack how embedded finance is reshaping financial services

See what’s changing

1. yStats, 2024, Global Embedded Finance Market
2. RFI Global, 2023, RFI Global Consumer Research 23H2 BNPL Council Report
3. RFI, Q1 data