New solution aims to reduce cart abandonment and improve payment success for online merchants
South African fintech NjiaPay has introduced a new one-click payment solution designed to streamline e-commerce checkout experiences by enabling returning customers to complete purchases without repeatedly entering their card details or undergoing additional authentication steps.
The launch addresses one of the biggest challenges facing online retailers in South Africa – checkout friction – which continues to contribute to high cart abandonment rates. According to the company, its payment-provider-agnostic technology allows merchants to offer a seamless repeat-purchase experience regardless of which payment service provider (PSP) they use, eliminating the limitations of traditional one-click payment systems tied to a single provider.
Tokenisation replaces stored card data
The company, which is PCI DSS Level 1 compliant, said the approach enhances security because the stored token cannot be used outside the merchant’s own platform, even in the event of a security breach.
Rather than storing customers’ payment card information, NjiaPay uses secure tokenisation after a shopper completes their first authenticated transaction and consents to saving their payment details. The generated token is unique to each merchant, allowing future purchases to be completed with a single click while reducing the risk of exposing sensitive financial information.
Helping merchants recover lost sales
NjiaPay believes the solution can significantly improve conversion rates by removing unnecessary checkout steps that often discourage customers from completing purchases.
The company estimates merchants could see a 5% to 10% increase in successful card-on-file transactions through the simplified checkout process. The solution is particularly aimed at e-commerce businesses, subscription services and retailers with high volumes of repeat customers.
According to NjiaPay, South African ecommerce businesses experience cart abandonment rates of up to 83%, with payment failures, repeated form filling, redirects and authentication requirements among the leading causes. The company also noted that 3-D Secure authentication succeeds only around 80% of the time, creating additional friction during checkout.
Payment orchestration beyond a single provider
Unlike conventional checkout solutions, NjiaPay operates as a neutral payment orchestration layer that sits above merchants’ existing PSP infrastructure. Its API enables businesses to connect multiple payment providers through a single integration while intelligently routing transactions to improve payment performance.
The platform currently supports card payments, digital wallets and supported variable recurring payment methods, including Capitec Pay VRP. By giving merchants greater flexibility and reducing dependence on a single payment provider, the company aims to improve reliability while maintaining a fast and consistent checkout experience.