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Wat is Click to Pay? (en)

Click to Pay makes online credit card payments faster, easier, and more secure — without repeatedly entering card details.

Facts
Category Card payments
Market Worldwide
Availability Available through Visa and Mastercard networks
Currency All currencies
Payment Not guaranteed, chargebacks are possible
Refunds One refund per transaction possible up to 100% of the order amount
Clearing Via PAY.
Status Active
Expiry time 4 hours
Payment option ID 706 and 709
Package Available in the Professional, Business, and Corporate package
Surcharging Not allowed

Click to Pay is the international standard for fast and secure online credit card payments, based on the EMV Secure Remote Commerce (SRC) standard. The solution was developed by the major card schemes — Visa, Mastercard, and American Express — and replaces the traditional guest checkout experience where cardholders must re-enter their card details for every purchase.

With Click to Pay, consumers only need to save their card details once. During future purchases at participating webshops, the system automatically recognizes the cardholder based on their email address. The cardholder can then select their preferred card with a single click and complete the payment — without manually entering card details again.

Benefits for merchants: Click to Pay uses network token technology. This means that no actual card details are exchanged during the transaction, which reduces the merchant’s PCI-DSS scope and lowers the risk of fraud.


How does the payment process work?

  1. The consumer selects Click to Pay as the payment method on the PAY. hosted payment page.
  2. The system recognizes the consumer based on their email address.
  3. The consumer selects the desired card from their saved cards.
  4. The identity is verified via an OTP (SMS/email) or automatically through the frictionless flow if the consumer has chosen to skip verification.
  5. The payment is processed through the underlying card network (Visa or Mastercard).


Authentication & Security

Click to Pay is fully integrated with 3D Secure (EMV 3DS) by default. Every transaction follows the standard authentication flow of the relevant card network:

  • Visa: Visa Secure
  • Mastercard: Mastercard Identity Check

Because transactions are processed using network tokens instead of card numbers, issuers generally assess them as lower risk. In practice, this results in a higher frictionless rate and improved conversion.


Regulations & Activation

Click to Pay is available for merchants already connected to Visa and/or Mastercard through PAY. No separate onboarding procedure is required. Contact your account manager to activate Click to Pay for your sales location.

Important: Click to Pay transactions are processed as regular card payments via the underlying network. Existing PCI-DSS, chargeback, and fraud prevention rules as described in sections 14.2 through 14.8 remain applicable.