Visa brings Click to Pay to Hong Kong with ZA Bank

By Gloria Methri

Visa has announced the official rollout of Click to Pay in partnership with ZA Bank, Hong Kong’s first and largest virtual bank. This launch makes ZA Bank the first card issuer across Asia Pacific to enable the Visa Click to Pay solution, with further expansion planned in 11 additional regional markets.

Click to Pay is a next-generation checkout experience that streamlines online transactions by eliminating the need for manual card input and password management. Once activated, consumers can complete purchases with just a few clicks, using a registered email address, phone number, or Visa Payment Passkey — significantly reducing checkout time from five minutes to under one.

“eCommerce in Asia Pacific has been accelerated by mobile phone ownership, digital advancements and connectivity in the region,” said T.R. Ramachandran, Head of Products and Solutions, Asia Pacific, Visa. “Our partnership with ZA Bank is a great example of Visa’s ongoing industry collaboration to bring innovative payment solutions that benefit the consumer, merchant and issuer.”

Visa Click to Pay is designed to address online cart abandonment, a major challenge for merchants globally. With abandonment rates as high as 84%, Click to Pay aims to improve conversion and authorisation rates by an average of 2.5%. The technology works similarly to contactless payments, but in the eCommerce space, it enables faster, safer, and more secure digital checkouts without requiring the re-entry of card details at every transaction.

“When Click to Pay is used, and combined with Visa Payment Passkey, consumers can enjoy a seamless checkout experience with just three clicks,” Ramachandran added. “Merchants will benefit from faster transactions, higher authorisation rates and lower fraud risk.”

The service is embedded at the card level, meaning cardholders can use Click to Pay without needing to register separately on merchant platforms. This simplifies the digital shopping journey while providing robust security — all card data is encrypted and securely stored by Visa, rather than on third-party websites.

To further enhance security and user convenience, customers can authenticate payments using Visa Payment Passkey, which supports biometric verification and device-based authentication via screen lock.

This innovation comes at a time when Asia Pacific acquirers, including AsiaPay, and a growing number of online merchants are integrating Visa Click to Pay to meet rising consumer expectations for secure, frictionless online shopping.

The Visa–ZA Bank collaboration underscores a regional shift towards digital-first banking experiences and reflects a broader industry demand for simpler, faster, and more secure checkout technologies.