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8. Visa Checkout: The Right Choice
for Online Retailers
March 2015
Visa Checkout – The Right Choice Report
Client: Visa Merchants – New Control Chicago

9. Highlights
A new report from comScore shows clear advantages to online retailers using Visa Checkout to simplify their
checkout experience. The results of the report are highlighted below.
1
1
UPS Pulse of the Online Shopper, June 2014, U.S. Study.
2
eMarketer, Shopping Cart Abandonment: How Retailers Are Using the Metric to Drive Better Results, February 2014.
Detailed Results
Changing Cross-Channel Dynamics and the Checkout Opportunity
Consumer retail spend has moved increasingly from in-store to digital, with more than 1 in 10 of U.S. retail discretionary
dollars being spent online. As the growth of online and mobile shopping continues to rise, so do customer expectations
for better shopping experiences. Customers want a way to save purchasing preferences and be able to use options
beyond traditional checkout (which often requires filling in numerous form fields).1
Historical desktop abandonment
rates have remained around 70%, and these already high abandonment rates are even more elevated for mobile
(86% on smartphones and 77% on tablets), driven by the challenge of filling out form fields on smaller screens.2
Clearly, online retailers have more work to do to get customers through the purchase process – and offering the right
checkout solution becomes even more critical.
69%
conversion rate for enrolled
Visa Checkout customers
66%
higher conversion rate for enrolled
Visa Checkout customers compared
to traditional checkout customers
26%
higher online engagement among
Visa Checkout customers
compared to total customers
+17percentage points lift in conversion
rate for enrolled Visa Checkout
customers compared to PayPal
Express Checkout customers
7%
higher average transaction size
for Visa Checkout orders than
non-Visa Checkout orders among
retail and travel sites studied
22%
faster when using Visa Checkout
for purchase compared to
traditional checkout
12%
more transactions completed among
Visa Checkout customers across
all eCommerce sites regardless of
checkout option used
Visa Checkout – The Right Choice Report
Client: Visa Merchants – New Control Chicago

10. 1. Fast and Easy Checkout
Shoppers today expect a streamlined checkout free of the traditional roadblocks. Visa Checkout greatly simplifies
the process for customers, offering a single sign-in to complete their transaction. Sign-in becomes even easier when
customers choose the “remember me” feature – the username will automatically be displayed, requiring only a
password (as shown above). With just a few clicks, the customer confirms card and shipping information and proceeds
to confirm their purchase.
2. Seamless Experience
Keeping shoppers in the checkout flow – as opposed to sending them to a different site to pay – is critical for
boosting conversion. Visa Checkout allows the customer to stay on the merchant’s web page, which helps provide
reassurance that their transaction is secure throughout the transaction. New Visa Checkout customers can even
create a Visa Checkout account as part of the purchase process. Plus, Visa Checkout fits into the merchant’s current
checkout flow without requiring changes to existing processes.
3. Checkout Option from a Trusted Brand
Incorporating Visa Checkout into the purchase flow allows online retailers to benefit from Visa’s brand name to
build customers’ trust and drive conversion. Visa ranks significantly higher than other payment brands in terms
of perceptions of trust and security,3
both of which are of utmost importance for payments and online shopping.
This reputation for trust and security ties closely with customers’ choice for payment. Visa is the largest payment
type (in total spend) used among customers online, representing 45.3% of U.S. eCommerce dollars and 46.4% of
transactions.4
Given the strength of the Visa brand, online retailers can feel confident that Visa Checkout will
signal a familiar experience to customers.
2
3
Visa Brand Valuation Assessment, Q1 2015.
4
comScore Custom eCommerce Measurement, Q4 2014.
Visa Checkout Helps Build a Successful
Checkout Experience
Visa Checkout is an online checkout service from Visa that
allows customers to make purchases quickly and easily from
their smartphone, tablet, laptop, or PC. Visa Checkout enables
customers to store their card and address information in a
secure account, so that they only need to enter a username
and password at checkout. With Visa Checkout, customers can
securely store and use all major credit and debit card brands.
There are three core components of a successful checkout
experience: fast and easy checkout, seamless experience, and a
checkout option from a trusted brand. Integrating Visa Checkout
into the purchase flow lets online retailers bring all three
components into the checkout process, helping drive conversion
and saving customers valuable time.
Visa Checkout – The Right Choice Report
Client: Visa Merchants – New Control Chicago

11. Visa Checkout Performance
Visa Checkout has proven successful in five metrics that online retailers continually strive to optimize:
Increasing merchant checkout conversion rates
Speeding up checkout time
Driving higher average transaction size
Increasing transaction volume
Creating repeat customers
Results among enrolled Visa Checkout customers were especially strong in these areas, reaffirming the value
proposition to customers of a single sign-in.
1. Increasing Merchant Checkout Conversion Rates
comScore measured conversion rates based on customers that started from the merchant’s shopping cart and
subsequently completed their purchases. The conversion rate for enrolled Visa Checkout customers proved to be
better than those for customers of either PayPal Express Checkout or traditional checkout.
A conversion rate of 69% for enrolled Visa Checkout customers was the highest among all groups in the study,
outperforming both PayPal Express Checkout (62%) and traditional checkout (41%). In other words, enrolled
Visa Checkout customers were 66% more likely to complete a transaction compared to customers using a
merchant’s traditional checkout path.5
3
5
Note: Percentage comparisons presented throughout this document may not recalculate exactly due to rounding. Percentage comparisons are calculated based on
unrounded numbers, not the rounded numbers shown in this document.
Customers by Checkout Path Cart Conversion Rate Index to Traditional Checkout
Enrolled Visa Checkout Customers
PayPal Express Checkout Customers
Traditional Checkout Customers
166
149
100
69%
62%
41%
2. Speeding Up Checkout Time
Reducing the amount of time for a customer to complete their purchase is an integral part of providing a positive
checkout experience. In this study, time was measured beginning when customers chose a checkout option from the
shopping cart and ending at purchase confirmation. The results show that enrolled Visa Checkout customers were 22%
faster (at 3.2 minutes) completing a transaction compared to traditional checkout customers (at 4.1 minutes).
3. Driving Higher Average Transaction Size
Average transaction size is a metric that many online retailers strive to increase as a way to drive revenue growth. Even
a slight increase in average transaction size can add up to a significant boost to overall sales. Online retailers should
examine every possible way to grow average transaction size, and checkout options can have an impact. Results
showed that the average transaction size for Visa Checkout orders was 7% higher than for non-Visa Checkout orders
among retail and travel sites studied.
(continued)
Visa Checkout – The Right Choice Report
Client: Visa Merchants – New Control Chicago

12. 4
4. Increasing Transaction Volume
For an online retailer, coupling greater volume of transactions with higher average transaction size is a clear formula for
increasing revenue. To that end, many online retailers should look for opportunities to increase transaction frequency
among their new and existing customer base – and to engage those who tend to shop more frequently. Visa Checkout
customers on average completed 12% more transactions overall across retail and travel-related eCommerce sites
studied regardless of checkout option used, making this target a lucrative one for merchants.
5. Creating Repeat Customers
Online retailers strive to create satisfied customers who will return to their site for more purchases. And results show
that Visa Checkout customers are doing just that: 9 out of 10 Visa Checkout customers say they are likely to continue
using Visa Checkout,6
and there has been a 16x growth in repeat Visa Checkout customers since the launch of the
service.7
The implication for online retailers is powerful: offering Visa Checkout can help drive repeat customers.
Visa Checkout Customer Satisfaction
From ease of use to ultimate satisfaction, the research findings are compelling.6
6
Millward Brown Visa Checkout Customer Experience study, March 2015 (n=1241); commissioned by Visa.
7
Visa Checkout data, August-December 2014.
Visa Checkout Customers Are Engaged Shoppers:
A Profile of Their Online Consumption and Buying Behavior
In addition to driving strong conversion, Visa Checkout attracts valuable online customers, as they over-index in time
spent online and, most importantly, demonstrate strong engagement with content categories that are retail-centric
and/or lifestyle-oriented.
Demographics
Compared to the total online population, online customers overall are 8% more likely to be women. Compared
to the overall online customer population, Visa Checkout customers are 17% more likely to be women. In addition,
Visa Checkout customers span most income levels and ethnicities, making these customers well positioned to
shop online across a range of categories. For online retailers, the opportunity to embrace all of these potential
customers is compelling.
(continued)
95%
of Visa Checkout customers say
sign-up was easy
9outof10Visa Checkout customers are
satisfied with their experience
with Visa Checkout
96%
of customers feel secure using
Visa Checkout
Visa Checkout – The Right Choice Report
Client: Visa Merchants – New Control Chicago

13. Shopping/Lifestyle-Focused Consumers
In online usage, Visa Checkout customers spend a disproportionately higher amount of time on eCommerce-related
activities and lifestyle categories. Visa Checkout customers were on average 69% more likely to visit any one of the top
10 retail sites (by volume of unique visitors) in December 2014 compared to the average online customer, and they visit
at least 18% more pages on average than total online customers.
Visa Checkout customer engagement is particularly strong among retail and travel-oriented sites, as shown below,
which represent some of the largest verticals within eCommerce.
Pages viewed per customer:
Lift for Visa Checkout customers
compared to total customers
5
Time spent online
Visa Checkout customers spent an average of 46 hours online viewing more than 4,000 pages of content (4,372) in
December 2014, demonstrating a passion for information. Relative to the average online customer, Visa Checkout
customers are much more engaged across the internet – spending 20% more time and consuming 26% more content
during the month of December 2014. These consumption and traffic patterns serve as an important first step in the
shopping journey.
+68%
FOOD
+93%
HOTEL/RESORTS
+20%
HEALTH
+84%
TECHNOLOGY
+37%
APPAREL
+93%
JEWELRY,
LUXURY GOODS,
ACCESSORIES
+45%
RETAIL
+38%
FAMILY & PARENTING
+42%
SOCIAL
MEDIA
Engagement: Pages per Customer
Visa Checkout Customers: 4,372 pages
Total Online Customers: 3,466 pages +26%
26% Difference
Visa Checkout
Customers/Total
Online Customers
Duration: Hours per Customer
Visa Checkout Customers: 46 hours
Total Online Customers: 38 hours +20%
20% Difference
Visa Checkout
Customers/Total
Online Customers
Visa Checkout – The Right Choice Report
Client: Visa Merchants – New Control Chicago

14. Conclusion
comScore’s research shows that Visa Checkout offers multiple benefits to online retailers that impact their bottom line.
Not only do enrolled Visa Checkout customers convert at a greater rate than online customers using PayPal Express
Checkout or traditional checkout, they also have higher average transaction size and larger transaction volume compared
to overall online customers, and they are likely to return to a Visa Checkout merchant’s site for future purchases. Plus,
Visa Checkout customers spend more time on retail sites and are more likely to shop online compared to online
customers overall.
With the conversion rate for enrolled Visa Checkout customers already exceeding the conversion rates for
PayPal Express Checkout and traditional checkout – coupled with the proven value of the Visa Checkout
customer – the time is now to implement Visa Checkout.
To learn more about how Visa Checkout can benefit your business, visit: www.visacheckout.com/business
6
comScore’s Online Purchase Conversion Research
Methodology and Objectives
Visa and its retail partners have a mutual goal of building merchant business. Following the introduction of Visa Checkout,
Visa wanted to better understand Visa Checkout customers and how the checkout service can benefit online retailers.
Specifically, Visa wanted to look at completed transactions (conversions) and the average time customers spent (duration)
to complete the checkout flow across the customer population.
To accomplish this, Visa sought the help of comScore, a neutral third party, which used its behavioral panel of
1 million PC/laptop users in the United States to analyze these areas. comScore measured the panel’s general online
internet consumption, demographics, and purchase behavior, with a primary goal of identifying if, and to what extent,
Visa Checkout improves conversion for online retailers offering the service.
comScore identified 15 online retailers across shopping and lifestyle verticals to measure checkout conversion and
duration for Visa Checkout, PayPal Express Checkout, and traditional checkout, and to provide a behavioral comparison
of the customers using these checkout options. Customer behavior for this comprehensive test was measured during
the period of August-December 2014, covering purchase activity during the holiday shopping season.
Other
Method
Visa
Checkout
PayPal
Mark
Begin
Checkout
Complete
Purchase
Complete
Purchase
Complete
Purchase
Complete
Purchase
Complete
Purchase
Merchant
Checkout
PayPal Express
Checkout
Visa
Checkout
A
Cart
Buyer Conversion = B/A
B
Buyers
A
Payment Page
Visa Checkout – The Right Choice Report
Client: Visa Merchants – New Control Chicago

15. Making the Right Choice for Checkout
With eCommerce growing at four times the rate of traditional commerce, it’s critical that paying online is as easy as shopping in
a brick-and-mortar store. A fast and easy online checkout experience is key to getting customers from shopping cart to purchase.
A new comScore study shows that Visa Checkout is more effective than PayPal Express Checkout and traditional checkout in
converting shoppers into buyers.
Did You Know That...?
…Visa Checkout conversion rates from the merchant shopping cart are higher than those for
either PayPal Express Checkout or traditional checkout.1
Visa Checkout enrolled customers
completed 69% of transactions
from the shopping cart.1
The difference is clear: Visa Checkout enrolled
customers achieve 17 percentage points
higher lift in conversion rate compared to
PayPal Express Checkout customers.1
PayPal Express Checkout customers have a
49% higher conversion rate when compared
to traditional checkout customers.1
VISA CHECKOUT conversion
TRADITIONAL CHECKOUT conversion
PAYPAL EXPRESS CHECKOUT conversion
Visa Checkout enrolled customers have a
66% higher conversion rate when compared
to traditional checkout customers.1
Single Sign-in Faster Checkout
Customers enter card and address information one time when
creating a Visa Checkout account. Once the account has been
created, a customer simply enters her username and password.
It’s just a few clicks and she’s done!
FASTER
Visa Checkout enrolled customers completed transactions
from the shopping cart page 22% faster than did customers
using a merchant’s traditional checkout process.1
95% say sign-up
was easy2
…and Visa
Checkout
customers
want to
return for
more
shopping
Nine out of ten are satisfied with their
experience and say they are likely to
continue using Visa Checkout2
96% feel secure
making a purchase
with Visa Checkout2
The average
transaction size
for Visa Checkout
orders is 7% higher
than non-Visa Checkout
orders among retail and travel
sites studied.1
PASSWORD
USERNAME
CONFIRMED
Visa Checkout helps consumers speed through checkout faster
Visa Checkout provides an easy and secure purchase experience for customers...
Sources
1comScore 2015 Visa Checkout Study, commissioned by Visa. Based on data from the comScore research panel of one million U.S. PC/laptop users,
August-December 2014.
2 Millward Brown Visa Checkout Customer Experience, March, 2015; commissioned by Visa. Based on data from an online survey of 1,241 U.S. consumers.
The Demographics1
Skew toward women, aged 25– 44,
with two children in the household
Consumers with a diverse range
of incomes
Represent a wide range of
ethnicities and geographies
Visa Checkout customers
spent 46 hours online
and viewed more than
4,000 pages of content
in December 2014,1
expressing a passion
for information.
Difference in
comparison to
total customers
pages visited
per customer1
VISA CHECKOUT customers: 4,372 pages
TOTAL customers: 3,466 pages
Difference in
comparison to
total customers
Compared to overall customers, Visa Checkout
customers have significantly more page views
on average at shopping-related sites.
hours per customer1
VISA CHECKOUT customers: 46 hours
TOTAL customers: 38 hours
Pages/visitor lift for
Visa Checkout customers
compared to total customers1
+68%
FOOD
+20%
HEALTH
+38%
FAMILY &
PARENTING
+51%
JEWELRY, LUXURY
GOODS, ACCESSORIES
+42%
SOCIAL MEDIA
+11%
DEPARTMENT STORES
+37%
APPAREL
+84%
TECHNOLOGY
+93%
HOTEL/RESORTS
+45%
RETAIL
Visa Checkout customers
are highly active in visiting
online shopping sites.
Visa Checkout customers are highly active online and are likely to shop
Did You Know That...?
…Visa Checkout customers spend more time online and consume more content, compared to
total online customers.1
35.5”Bleed
35” Trim
89.5”Bleed
83.25”Trim
6”Bleed
Visa Checkout – Conference Banner
Client: Visa Merchants – New Control Chicago

16. Sources
1comScore 2015 Visa Checkout Study, commissioned by Visa. Based on data from the comScore research panel of one million U.S. PC/laptop users,
August-December 2014.
2Millward Brown Visa Checkout Customer Experience, March, 2015; commissioned by Visa. Based on data from an online survey of 1,241 U.S. consumers.
Making the Right Choice for Checkout
With eCommerce growing at four times the rate of traditional commerce, it’s critical that paying online is as easy as shopping in a
brick-and-mortar store. A fast and easy online checkout experience is key to getting customers from shopping cart to purchase.
A new comScore study shows that Visa Checkout is more effective than PayPal Express Checkout and traditional checkout in
converting shoppers into buyers.
Did You Know That...?
…Visa Checkout conversion rates from the merchant shopping cart are higher than those for
either PayPal Express Checkout or traditional checkout.1
Visa Checkout enrolled customers
completed 69% of transactions
from the shopping cart.1
The difference is clear: Visa Checkout enrolled
customers achieve 17 percentage points
higher lift in conversion rate compared to
PayPal Express Checkout customers.1
PayPal Express Checkout customers have a
49% higher conversion rate when compared
to traditional checkout customers.1
VISA CHECKOUT conversion
TRADITIONAL CHECKOUT conversion
PAYPAL EXPRESS CHECKOUT conversion
Visa Checkout enrolled customers have a
66% higher conversion rate when compared
to traditional checkout customers.1
Sources
1
comScore 2015 Visa Checkout Study, commissioned by Visa. Based on data from the comScore research panel of one million U.S. PC/laptop users,
August-December 2014.
2
Millward Brown Visa Checkout Customer Experience, March, 2015; commissioned by Visa. Based on data from an
online survey of 1,241 U.S. consumers.
Single Sign-in Faster Checkout
Customers enter card and address information one time when
creating a Visa Checkout account. Once the account has been
created, a customer simply enters her username and password.
It’s just a few clicks and she’s done!
FASTER
Visa Checkout enrolled customers completed transactions
from the shopping cart page 22% faster than did customers
using a merchant’s traditional checkout process.1
95% say sign-up
was easy2
…and Visa
Checkout
customers
want to
return for
more
shopping
Nine out of ten are satisfied with their
experience and say they are likely to
continue using Visa Checkout2
96% feel secure
making a purchase
with Visa Checkout2
The average
transaction size
for Visa Checkout
orders is 7% higher
than non-Visa Checkout
orders among retail and travel
sites studied.1
PASSWORD
USERNAME
CONFIRMED
Visa Checkout helps consumers speed through checkout faster
Visa Checkout provides an easy and secure purchase experience for customers...
Visa Checkout – Infographic Flyer
Client: Visa Merchants – New Control Chicago

17. Sources
1comScore 2015 Visa Checkout Study, commissioned by Visa. Based on data from the comScore research panel of one million U.S. PC/laptop users,
August-December 2014.
Did You Know That...?
…Visa Checkout customers spend more time online and consume more content, compared to
total online customers.1
The Demographics1
Skew toward women, aged 25– 44,
with two children in the household
Consumers with a diverse range
of incomes
Represent a wide range of ethnicities
and geographies
Visa Checkout customers
spent 46 hours online
and viewed more than
4,000 pages of content
in December 2014,1
expressing a passion
for information.
Difference in
comparison to
total customers
pages visited
per customer1
VISA CHECKOUT customers: 4,372 pages
TOTAL customers:3,466 pages
Difference in
comparison to
total customers
Compared to overall customers, Visa Checkout
customers have significantly more page views
on average at shopping-related sites.
hours per customer1
VISA CHECKOUT customers: 46 hours
TOTAL customers: 38 hours
Pages/visitor lift for
Visa Checkout customers
compared to total customers1
+68%
FOOD
+20%
HEALTH
+38%
FAMILY &
PARENTING
+51%
JEWELRY, LUXURY
GOODS, ACCESSORIES
+42%
SOCIAL MEDIA
+11%
DEPARTMENT STORES
+37%
APPAREL
+84%
TECHNOLOGY
+93%
HOTEL/RESORTS
+45%
RETAIL
Visa Checkout customers
are highly active in visiting
online shopping sites.
Visa Checkout customers are highly active online and are likely to shop
Visa Checkout – Infographic Flyer
Client: Visa Merchants – New Control Chicago

18. You’re covered.
Your friends and family can be too.
WPADVOTH033M(14)-VA
WPADVOTH033M(14)-IN
You’re covered.
Your friends and family can be too.

19. Rest assured …
You’re close to having great benefits!
WPADVEV011M(14)-IN
Rest assured …
You’re close to having great benefits!
WPADVEV011M(14)-IN