American Express, Discover, Mastercard, and Visa have launched a joint buy button - Business Insider

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ICYMI: American Express, Discover, Mastercard, and Visa debuted a joint buy button that can streamline online checkout:

Even if they sign up for a buy button like PayPal, Masterpass, or Visa Checkout to avoid this issue, they can't be sure every merchant accepts that button — but the click to pay offering aims to alleviate these problems.

The key to the initiative's success will be gaining widespread adoption from both merchants and consumers, as that's the only way it can create a consistent checkout experience online. To attract merchants, the card networks need to prove that SRC can boost their conversion rates and assuage any concerns about losing out on consumer data — and working with payments providers should help drive adoption. The networks are initially focusing on converting merchants that already accept Masterpass and Visa Checkout to click to pay, which may be easy given their established relationships, but SRC's performance with its first merchants will be key to convincing other merchants.

To win over consumers, the card networks must build a huge acceptance network and make it convenient to sign up for SRC. If the click to pay offering isn't available nearly everywhere, the solution will just be like existing buy buttons, potentially sinking its appeal to consumers — making merchant recruitment a top priority.

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