Revolut has automatically enrolled all its UK-issued cards into Click to Pay, the joint checkout system operated by major global card schemes.

This move aims to boost Click to Pay’s adoption and align Revolut with other issuers that have similarly automated their card bases. With a customer base of over 65 million people globally, Revolut’s involvement significantly enhances Click to Pay’s footprint in the UK market.

Click to Pay leverages tokenization and biometric authentication for optimized online checkouts and reduced fraud. For merchants, the system could help minimize cart abandonment and improve conversion rates, though its integration remains inconsistent across retailers, and adoption within merchant checkout flows is not always prioritized.

Limited Adoption and Structural Barriers

Notwithstanding previous enrollment efforts by other UK issuers, Click to Pay’s usage remains low. According to GlobalData’s Online Consumer Payment Analytics 2025, only 4% of online shoppers in the UK have ever used a Click to Pay checkout. The data highlights barriers that extend beyond mere availability, including low consumer awareness, insufficient merchant prompting at checkout, and the tendency for users to default to established digital wallets like Apple Pay and Google Pay.

From a strategic perspective, card networks and issuers aim to strengthen card-based payments in digital commerce and diminish reliance on intermediary wallets controlled by tech companies. Mastercard has set a goal to phase out manual card entry through tokenized transactions by 2030, underscoring the long-term significance of this transition.

Revolut’s integration of Click to Pay alongside its proprietary Revolut Pay solution demonstrates a balanced approach to network alignment, combining participation in scheme-led infrastructure with the advancement of its own payment offerings.