Click to Pay: One-click checkout, no log-in, no fuss

What is Click to Pay?

Click to Pay is a new online payment solution. It is the implementation of the EMV®* SRC (Secure Remote Commerce) standard, which was developed by EMVCo as a scheme-neutral solution and will replace MasterPass and Visa Checkout. It simplifies online purchases significantly, making it a boon for online merchants and card issuers who want to accept online payments more easily, improve the online checkout experience for customers and boost their sales.

Why is it interesting for issuers, merchants and PSPs?

Who hasn't encountered this scenario - a customer enters an online shop, selects items and puts them in their shopping cart, goes to checkout and then doesn't complete the transaction because of a complicated payment procedure or a long form to fill out. Sound familiar? Due to this scenario, many merchants struggle with conversion rates in online sales in part due to GDPR and legal requirements.

Issuers also suffer from abandoned shopping carts and half-completed personal data forms. This means that they miss out on valuable card usage and there is a risk that confidential card information could be leaked.

With Click to Pay, customers can complete a transaction with just the click of a button. It's a seamless, user-friendly way to accept payments while protecting sensitive card information.

How is Click to Pay advancing online payment and improving the guest checkout experience?

With Click to Pay, customers only have to enter their card and address data once when registering. This data is then available for all checkout processes but stays protected through network tokenization. This eliminates the need to set up separate customer accounts for individual merchants. Another advantage of Click to Pay: the system automatically recognizes customers based on the device (PC, laptop, tablet, smartphone) that the customer is currently using for online shopping , which is an additional gain in security.

How can Click to Pay help you accept online payments?

  • It tokenizes sensitive card information and personal data, so if a customer is enrolled, these fields are pre-filled (taken from the banking app), and only need to be confirmed by the cardholder, speeding up transactions
  • It is scheme-agnostic, meaning you can accept payments from Visa, Mastercard, American Express and all Discover cards
  • The strong customer authentication required for payments can be performed with less friction (within the banking app, for example with biometry (fingerprint or face recognition), but without compromising on payment security, meaning that customers can make fast and secure purchases online.

What do you need in order to use Click to Pay?

As a merchant or PSP, you have several options to use Click to Pay. Generally, you need to implement the Click to Pay API on your online shop. You can obtain the code from your merchant provider, or if you're not sure how to, they can consult you on how to do so. As an issuer, you can choose to offer Click to Pay via your website or mobile wallet, or alternatively pre-enrol your cardholders so that they just need to enter their e-mail address to start paying with one click. Curious, but not sure where to start? Netcetera offers advice and solutions for both issuers and merchants to start using Click to Pay and cash in on the benefits right away.

Where is Click to Pay available?

Click to Pay is currently available in Europe, the U.S, Asia, the Middle East and Australasia.

Why Netcetera?

As a payment software provider with over 15 years of experience, we can set you up so that you offer the latest online payment options in your shop with no downtime, top fraud protection and double the convenience for you and your customers.

As an early adopter, we have implemented Click to Pay for selected clients and they are already seeing the benefits. See how the process worked for Global Payments Europe here.

Want to know more? Read more about our solutions here or get in touch if you have any further questions.  




*EMV® is a registered trademark in the U.S. and other countries and an unregistered trademark elsewhere. The EMV trademark is owned by EMVCo, LLC.


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