One-tap checkout goes live for every MiSPay merchant

One-tap checkout is now available to every merchant on the MiSPay network, after nine months in a controlled rollout with 340 retailers.

For a returning shopper with a healthy repayment history, the entire flow is a single confirmation. No re-entered card details, no re-uploaded documents, no second one-time password. The plan, the due dates, and the total cost are shown on one screen, and the order is placed from that screen.

The problem it solves

Checkout abandonment is rarely about price. In MiSPay's own funnel analysis, the largest drop-off was never the plan selection step — it was the identity and card steps that followed it. Shoppers who had already been approved were being asked to prove themselves again on every order.

• 41% reduction in median time from basket to confirmation

• 9 point reduction in checkout abandonment for returning shoppers

• 23% of one-tap orders now happen on a second device

• Zero increase in first-payment defaults across the pilot cohort

How it works

Trust that carries between orders

Eligibility is recalculated on every order, not cached. What is reused is the verified identity and payment instrument, not the credit decision. A shopper who becomes ineligible sees the standard flow again, with the reason stated plainly.

One screen, no surprises

The confirmation screen shows the instalment count, each due date, the amount per instalment, and the total. Nothing is disclosed after the tap that was not visible before it.

A single integration path

Merchants already on the current MiSPay checkout get one-tap without code changes. Merchants on a custom integration enable it with a single flag in the console.

"We expected a lift on mobile. What surprised us was tablet and in-store — the same customers, finishing orders they used to leave open for a day."

Availability and controls

1. Enabled by default for all hosted checkout merchants from 12 May

2. Available behind a console toggle for custom integrations

3. Shoppers can turn one-tap off permanently in the MiSPay app

4. A cooling-off window still applies to every order, regardless of flow

What comes next

The same confirmation surface will carry two further capabilities this year: a single-tap date change for one instalment per plan, and pre-approval that a shopper can see on a product page before reaching checkout. Both are in testing with a subset of merchants now.

About MiSPay

MiSPay is a regional payments company that lets shoppers split purchases into predictable instalments and helps merchants convert more of the demand they already have.

For press enquiries, contact press@mispay.co.