In an effort to increase adoption, Revolut has automatically registered all of its UK-issued cards to the Click to Pay system, which is shared by card systems worldwide. The move is part of an industry-wide effort to position Click to Pay as a credible competitor to established digital wallets, such as Google Pay and Apple Pay.
Click to Pay promises a seamless and secure payment experience, functional tokens and, when enabled, biometric authentication to protect consumer data. Despite these benefits and some banks having previously registered all cards to Click to Pay, adoption has been slow. GlobalData Online Consumer Payment Analytics for 2025 shows that only 4% of online shoppers in the UK have ever used a Click to Pay checkout.
This points to a deeper problem beyond discovery, suggesting that low consumer awareness, limited merchant information or defaults in existing wallets continue to hinder adoption.
For merchants, Click to Pay offers tangible benefits, including the ability to reduce cart abandonment and fraud, as well as improved conversion rates. However, these benefits are not yet universally available in practice. Merchant integration is often inconsistent and where Click to Pay is available, it is often not prioritized enough in its output to meaningfully change consumer behavior. The increasing acceptance of this system among the world’s supermarkets underlines its potential to become the basis of digital operations.
Networks and card issuers will benefit greatly from increased adoption. By promoting Click to Pay, they can strengthen the importance of card-based payments in digital commerce and reduce the reliance on middle wallets controlled by tech giants. Mastercard’s desire to eliminate manual card insertion in favor of virtual tokens by 2030 underscores the strategic importance of this change. That said, success will depend not only on issuer-led initiatives, but on systemic ecosystem change, particularly at the merchant and gateway level.
Revolut’s decision to accept Click to Pay, despite having its own Revolut Pay solution, shows a logical alignment with card networks to strengthen its competitive position. This dual approach reflects a broader shift in the sector, where issuers are balancing proprietary payment methods with new participation led by the scheme. Based on more than 65 million customers, Revolut is well positioned to increase awareness of Click to Pay.
In conclusion, while Revolut’s automated enrollment strategy is a smart move, it does not by itself solve the main barriers to adoption. The biggest challenge will be changing entrenched consumer behavior and ensuring consistent merchant execution. As the digital payment landscape changes, Click to Pay’s success will depend less on availability and more on its ability to deliver a superior payment experience that is transparent and intuitive.
Blandina Szalay is analyst, banking and payments, GlobalData
“Revolut activates Chofoza to Pay for all UK cards” was originally created and published by Electronic Payments International, a product owned by GlobalData.
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