The hidden growth machine in Revolut Pay

The author booked a flight to Porto with TAP Portugal and paid using Revolut Pay, earning a £7 discount and gaining insight into Revolut's fintech ambitions. Revolut Pay is a one-click checkout experience built on top of an existing Revolut account, eliminating the need for card details or CVV codes. The author was redirected to a clean landing page with a QR code and clear calls-to-action to sign in or sign up to Revolut. After scanning the QR code, the Revolut app launched instantly, and the author was offered a choice of discounts using their RevPoints. The author chose a £7 discount, which was applied instantly, and also earned 70 RevPoints back due to a double points promo. The Revolut Pay checkout experience was seamless, with a 98.5% authorization rate and less than 10% cart abandonment. Revolut's growth can be attributed to its user-friendly experience, contextual rewards, and clear value exchange. However, there is room for improvement, such as celebrating the post-checkout dopamine hit and improving the confirmation email. Revolut is building a commerce layer that collapses payment, rewards, and loyalty into one smooth tap, targeting travel and offering cheaper payment processing than Stripe or PayPal. Overall, Revolut's platform is quietly embedding itself into how people spend, serving 52 million users and pulling in £1.4 billion in profit.