Click to Pay lifts Ecommpay approval rates to 75.18%

Merchants using Click to Pay through Ecommpay have recorded higher approval rates than standard card payments, with the gap widening to 6.97 percentage points in April 2026.

Approval rates for Click to Pay reached 75.18% in April, compared with 68.21% for card payments. The uplift has grown since the service was introduced on the platform in July 2024, when the difference was about three percentage points.

Customer transaction data from February and March also pointed to rising usage. Click to Pay volumes increased by 20.8% in a single month, suggesting broader take-up among merchants and shoppers using the checkout option.

Click to Pay is designed for online guest checkout, where consumers often need to enter card details manually. It uses network tokenisation, customer recognition and card network standards to let shoppers use stored card details across participating online checkouts on different devices and browsers.

Ecommpay says the process can cut checkout times by up to 50% and that removing extra steps at the point of purchase can reduce abandonment, a persistent concern for online retailers trying to improve completed sales.

Approval gap

Based on Ecommpay's comparison, the figures show Click to Pay performing better than card-on-file transactions on its platform. That matters for merchants because approval rates directly affect whether a transaction becomes booked revenue.

Artur Zaremba, Head of Product Solutions Development at Ecommpay, said the effect had built over time as merchants and consumers became more familiar with the tool.

"We added Click to Pay to the Ecommpay platform to provide our merchant partners with a more streamlined payments journey, and our latest analysis clearly demonstrates the difference it is making."

"Every percentage point above that of card payments is revenue merchants couldn't collect without Click to Pay."

"When we first rolled out the solution, we saw a 3 percentage point uplift compared to card approval rates. That figure has grown consistently since launch as adoption has accelerated," Zaremba said.

Guest checkout

Ecommpay is focusing on guest transactions rather than only returning users with saved credentials. For shoppers who have not stored card details directly with a merchant, Click to Pay offers a way to complete payment without re-entering full card information each time.

Consumers can enrol cards through card network sign-up pages or during checkout with merchants that offer the service. Once enrolled, those card details can be tokenised for use across multiple merchant sites, reducing the number of steps needed to complete a purchase.

The model reflects a broader effort across the payments sector to standardise online checkout in the same way contactless payments simplified in-store transactions. Support from major card networks and the use of EMVCo standards have helped give the method cross-platform reach.

Ecommpay, founded in 2012 and headquartered in London, provides acquiring and payment processing services for online businesses. The company says Click to Pay's advantage over ordinary card payments has continued to grow month by month, with approval rates in April at 75.18% versus 68.21% for cards.