Checkout.com — Flow Remember Me

TL;DR

Customisable payment components, reducing payment and operational friction for buyers and businesses.

88%

From 71s to 8s

Faster returning checkout

+7%

Flow + RM merchants

Payment acceptance

194

global launch 2025

Countries live

The problemDespite a shared payment network, shoppers still re-entered card details at every checkout — contributing to ~70% cart abandonment.

The researchShoppers value fast, intuitive checkouts and need clear reassurance that their personal and payment data is secure.

The goalReduce checkout friction and boost conversion with faster checkout, trusted security, flexible payments, and clear policies.

The solutionEnable shoppers to securely save their details once and complete future purchases in just a few clicks.

01 · The challenge

Shoppers re-typed the same card at every store

Problem

Shoppers re-entered payment details at every checkout, increasing friction and abandonment.

Market data: Baymard Institute; Checkout.com × YouGov, Trust in the Digital Economy 2025.

Abandonment · global average

~70% of online carts are abandoned worldwide

Checkout time · returning shoppers

71s to complete a payment, re-entering card details every time

Brand cost · payment experience

66% lose trust in a brand after a poor payment experience

02 · The research

Understanding how people pay online

Partnered with a UX researcher to benchmark leading one-click checkouts and analyse consumer research across 18,000 shoppers in 16 markets. Three key insights emerged.

What erodes trust and loyalty when paying online, besides price

Uncertainty about the safety of the payment process

29%

No verification process during payment

27%

My preferred payment method cannot be used

24%

A slow and complex payment process

21%

Survey, January 2025 — respondents in the UAE, Saudi Arabia and Egypt, the markets where the product ran its first beta

Finding 01 · Card storage

69% don’t feel secure storing card details on ecommerce sites

Finding 02 · Security concerns

40% have abandoned a checkout over security concerns

Finding 03 · After a failure

42% wouldn’t return to a site after a failed payment

03 · The design

Designing a branded checkout with saved payment details

Merchants integrate the payment component into their own brand. Shoppers save a card once and pay in one click across the network.

For merchants

One integration, rendered in the merchant’s brand

Ready-to-deploy payment components that seamlessly adapt to each merchant’s brand across web and mobile.

The Flow demo configurator

For shoppers

Three stages, from first save to one-click return

Enrolment happens once, within a checkout the shopper is already completing. Every return, at any merchant on the network, follows the same two steps: verify, then pay.

Stage 01 · Enter & save details · First checkout

Saving is one tick inside the payment form.

The checkout combines contact, shipping, billing, and card details, with a single opt-in at payment. Ticking it confirms the shopper’s details and saves their card across the network.

Stage 02 · Authentication · Every return

Verified by the email they already enter.

Their email retrieves their saved details. A one-time code, sent by email, SMS, or WhatsApp, confirms it’s them before anything is shown.

Stage 03 · Complete purchase · Every return

From recognised to paid in one click.

Saved addresses and cards appear pre-filled, so payment takes one click. Details remain self-serve: every card and address can be edited or removed at any time.

The first checkout capturing the shopper's email address and shipping details: name, phone number, country, address lines and town

The checkout recognising a returning shopper by email address, marked 'Secured by Checkout.com'

The one-time code screen with a six-digit verification code filled in, sent to the shopper's saved phone number

The recognised checkout with saved address and saved cards pre-filled, ready to pay in one click

The self-serve view for managing saved details: two saved addresses and saved cards, each editable or removable

Process

Every journey mapped, every state handed over

Behind the three stages sits the full logic: one decision tree covering every path a shopper can take, and a build-ready spec for each function, annotated state by state for both platforms.

Handover spec board for the billing-equals-shipping address function: iOS and Android screen rows covering selected and unselected states, address collection, country selector and edit address, with development annotations and design and content status marked ready for build — Handover spec — iOS and Android state by state, behaviour annotations inline, design and content marked ready for build

04 · The outcome

88%

Faster returning checkout

Returning shoppers went from 71 seconds to 8, from email entry to payment complete

+7%

Higher payment acceptance

Across Flow + Remember Me merchants, with authentication challenges down 22% and timeouts down 30%

194

Countries live at global launch

Launched October 2025. Flow merchants include Vinted, Papa Johns and Royal Mint

05 · How I decided

Three calls that mattered

Keep the merchant’s checkout end to end

Flow renders inline, inheriting the merchant’s fonts, colours and borders, so the entire journey stays within their checkout.

Design for the second visit

Enrolment was kept to a single opt-in during the first checkout. The design effort went into the return visit: from email to paid in one code and one click.

Make consent visible

A saved card works across the whole network, so consent had to stay visible after purchase: a confirmation for every payment, plus a self-serve card dashboard.

This work is password‑protected

One-click checkout across thousands of merchants