# Faster checkout

> One-tap checkout for returning customers with saved payment methods.

VINR's faster checkout experience lets returning customers complete a purchase in a single tap by pre-filling their saved payment method at checkout. The customer verifies their identity with a one-time code, then confirms — no card number entry required.

## How it works

1. The customer enters their email address on your checkout form.
2. If they have previously saved a payment method through a VINR-powered checkout, VINR sends a one-time verification code to their phone.
3. After entering the code, their saved card or bank account is pre-populated in the payment form.
4. The customer confirms — one tap completes the payment.

First-time customers are enrolled automatically when they save a payment method during any VINR-powered checkout. Their saved credentials are then available across all VINR merchants that have faster checkout enabled.

## Enabling faster checkout

Faster checkout activates automatically inside the VINR payment components — no additional configuration is required. Mount the payment form as normal:

```typescript
// Client-side: mount the VINR payment components
// Faster checkout is included automatically for returning customers
import { loadVinr } from '@vinr/sdk';

const vinr = await loadVinr('pk_live_...');
const elements = vinr.elements({ clientSecret });

const paymentElement = elements.create('payment');
paymentElement.mount('#payment-element');
```

Faster checkout is also on by default in the VINR hosted checkout. No code changes are needed to benefit from it.

## Customer data management

Customers manage their saved credentials — including saved cards, linked bank accounts, and connected merchants — at `link.vinr.com`. You do not store or manage their faster checkout credentials.

> Removing a merchant from a customer's faster checkout account does not affect PaymentMethod objects already attached to a Customer in the VINR API. Those must be detached separately if the customer requests full removal.

## Instant bank payments

Customers who have connected a bank account to their VINR profile can use an instant bank rail at checkout — a direct account-to-account transfer rather than a card charge. From your side, settlement works identically to a card payment; the funds arrive in your VINR balance on your normal schedule. No additional integration is required to support this.

## See also

[Save a payment method](/docs/payments/payment-methods/manage-payment-methods/save) — Save during a payment or without charging.

[Manage payment methods overview](/docs/payments/payment-methods/manage-payment-methods) — The full vault and management guide.