Mastercard Advances Europe’s Checkout Transformation on the Road to 2030

Mastercard is advancing the transformation of online checkout across Europe, building momentum toward its 2030 goal of phasing out manual card entry and reducing reliance on static credentials.

Working with banks, merchants and payment partners across the ecosystem, Mastercard is scaling technologies such as tokenisation, Click to Pay and payment passkeys to make digital checkout faster, safer and more seamless for consumers, while helping merchants reduce fraud and improve approval rates. This progress is further supported by investments in innovation, including the recently announced Lisbon Centre of Excellence for Innovation.

Continued progress across Europe

Today, three in five Mastercard e-commerce transactions in Europe are tokenised, marking continued progress toward the goal of 100% e-commerce tokenisation by 2030.

Merchant tokenisation (Secure Card on File) is now live in 45 European countries and territories, helping reduce fraud and improve approval rates by replacing card numbers with dynamic tokens protected by world-class cryptography.

Mastercard Click to Pay, a one-click checkout solution, is available in 32 European markets, with enrolments more than doubling as adoption expands across merchants, banks and payment service providers. Returning customers now account for over 70% of Click to Pay checkouts, reflecting growing usage.

At the same time, authentication is evolving, with innovations such as payment passkeys – leveraging biometrics for secure, seamless verification - and frictionless Identity Check (3DS). These capabilities enable issuers to assess risk more effectively and improve approval rates without disrupting the customer experience.

Together, these capabilities are accelerating the shift toward a tokenised, authenticated checkout experience across devices and platforms, laying the foundations for seamless, trusted payments, whether initiated by consumers or through trusted digital agents acting on their behalf.

Partner-led momentum

Progress over the past year has been driven by new and expanding partnerships across Mastercard’s checkout transformation, including:

Tokenisation: NatWest, Tatra Banka

Click to Pay: NatWest, Altice Pay, Banca Transilvania S.A., CapOne, Curve, Finby Finance, ICS, JD Sports, LVH Paytech, McLaren Racing Store, Qonto, Santander UK, Tatra Banka

Payment passkeys: Netopia, xMoney

These partnerships reflect continued progress across the ecosystem, from enabling tokenisation to reduce reliance on stored card details, to expanding Click to Pay for faster, online checkout, and introducing payment passkeys that allow shoppers to verify payments securely using biometrics such as fingerprint or face recognition.

Brice van de Walle, Executive Vice President, Core Payments Europe, Mastercard, said: “As we advance into the second half of the decade, the focus is firmly on scale. What we’re seeing across Europe is not just continued adoption, but growing alignment across the ecosystem around token-first, authenticated checkout. This momentum is critical as we work toward a future where paying online is as seamless and secure as tapping in-store.”