Payment performance partner NjiaPay has launched one-click payments for South African merchants. This promises to give consumers a fast and convenient way to pay without re-entering card details or taking additional payment steps like 3-D Secure verification.
Unlike one-click solutions tied to a particular payment service provider, the payment partner will enable merchants to offer the same experience across multiple payment providers. As a PCI DSS Level 1 compliant business, NjiaPay also pledges tight payment card security with secure encryption and storage of customers’ card details.
After a customer’s first successfully authenticated payment, NjiaPay provides the merchant with a payment-provider-agnostic token rather than the actual card information. The token can be reused for future payments, but only on that merchant’s platform.
This means the merchant is never exposed to sensitive card data, while customers can continue paying with one click regardless of which payment provider processes the transaction. If the merchant’s systems are compromised, the stolen token cannot be used elsewhere like a normal card number, significantly limiting the potential damage.
This gives businesses more flexibility, reduces their risk of being locked into one provider and delivers a 5% to 10% increase in card-on-file payments.
“The first time a customer shops with a merchant, we assign them a unique ID, based on shopper data such as an email address, and securely tokenise the payment details used at checkout,” says Jonatan Allback, CEO of NjiaPay. “If they successfully authenticate the transaction and consent to the merchant storing those details for future purchases, their saved payment method surfaces when they return. Instead of entering their card details again, they confirm payment with a single click or tap, without needing to reauthenticate.”
According to Allback, checkout friction directly affects revenue, because failed authorisations, 3-D Secure and OTP drop-off, slow redirects, and repeated form-filling increase the chance that a customer will abandon a purchase before payment is completed. He adds, "Cart abandonment sits as high as 83% locally according to some estimates. This means 83 out of 100 customers leave without actually buying anything. Issuers in South Africa continue to record 3DS authentication success rates of around 80%, meaning that one in five transactions may fail during the authentication process.
“This is especially important in South Africa, where ecommerce continues to grow but checkout experiences have not always kept pace with customer expectations. Larger retailers have already familiarised customers with faster repeat-purchase flows, but many merchants still treat returning customers as if they are buying for the first time. One-click payments create the familiar, simple checkout experience people know from using platforms like Uber or grocery delivery apps.”
As a neutral orchestration layer on top of a merchant’s PSP stack, NjiaPay’s API coordinates payment providers, routes transactions and improves payment performance.
The solution currently supports cards, digital wallets and supported variable recurring payment methods such as Capitec Pay VRP.
