Linque: Accelerated Checkout Without the Data Trade-Off

Linque, a payment method discovery product from Basis Theory, is designed to reduce checkout friction by allowing customers to find and select existing Visa, Mastercard, or American Express cards with a phone number, SMS verification, and CVV rather than manually entering card details. It offers an inline wallet flow that replaces standard card-entry forms and an asynchronous pre-load option for merchants with verified customer phone numbers, while providing merchants with billing information and either a raw primary account number or processor token. Unlike accelerated checkout services such as Shop Pay, Stripe Link, and PayPal FastLane, which operate through proprietary ecosystems, Linque is presented as processor-agnostic and compatible with merchants’ existing payment vaults and processor relationships. The product targets e-commerce retailers, subscription businesses, and payment platforms seeking to improve conversion, payment continuity, and card-failure prevention while retaining control over customer payment data. Basis Theory states that Linque can identify eligible payment methods for approximately 80% of U.S. consumers and emphasizes its focus on data portability, merchant ownership, and avoiding third-party network lock-in.

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