VISA CONSULTING & ANALYTICS I WHITE PAPER Reclaiming lost value in e-commerce

A case study in checkout performance: what Global Payments' data from Central and Eastern Europe reveals about Click to Pay – and what it means for acquirers and merchants at scale.
83.8 % Click to Pay end-to-end approval rate across the GP webpay portfolio, Jan–Mar 2026

12.7 pp Approval rate advantage over manual card entry, measured from transaction initiation

8,88 Merchants enabled across CEE via a single PSP integration — with no checkout redesign required

THE CASE STUDY

One PSP. Real data.
A 12.7 percentage point gap.

Global Payments¹ is one of Central and Eastern Europe's leading payment service providers. In 2024, it embedded Click to Pay directly into its GP webpay gateway – and has been measuring the results ever since. Between January and March 2026, Click to Pay delivered an end-to-end approval rate of 83.8% across the portfolio. Manual card entry, on the same measurement basis, delivered 71.1%.

For a merchant processing €500 million in annual online sales, closing that gap could generate over €63 million in recoverable revenue.

Global Payments captures approval rate from the moment a transaction is initiated, not just from the issuer decision – so abandonment and authentication failures are counted too. What the data shows  is that issuers are not the problem.

WHERE TRANSACTIONS FAIL

The checkout is losing transactions.
Long before issuers see them.

Global Payments¹ is one of Central and Eastern Europe's leading payment service providers. In 2024, it embedded Click to Pay directly into its GP webpay gateway – and has been measuring the results ever since. Between January and March 2026, Click to Pay delivered an end-to-end approval rate of 83.8% across the portfolio. Manual card entry, on the same measurement basis, delivered 71.1%.

For a merchant processing €500 million in annual online sales, closing that gap could generate over €63 million in recoverable revenue.

Global Payments captures approval rate from the moment a transaction is initiated, not just from the issuer decision – so abandonment and authentication failures are counted too. What the data shows  is that issuers are not the problem.

 

Issuers decline just 1.5% of transactions. The other 26 percentage points disappear in the checkout journey – before the issuer is ever asked.

Read the full paper

Why Click to Pay, the complete data, regional benchmarks and a detailed breakdown of where – and why – manual card entry transactions fail.

Download the white paper

Visa Consulting & Analytics 2026

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