What is Click to Pay?

Click to Pay is the new standard in online checkout and is an easy, secure way to check out online or in app. Click to Pay is an EMVCo global standard and is tokenised by design. It enables a safer, faster checkout by removing the need for consumers to manually enter card details. Here is how it works: Consumers look for the Click to Pay icon during checkout Enter their email address Confirm their identity Choose the card to use Complete the purchase, and that is it!

Which card brands/networks participate in Click to Pay?

Currently, Visa, Mastercard, American Express and Discover are participating in Click to Pay.

How is Click to Pay beneficial to merchants?

Click to Pay helps merchants in several ways, including: Reduces shopping basket abandonment and improves sales conversion rates by eliminating cardholder manual key entry. Since Click to Pay is token-based, merchants enjoy the benefits of tokenisation, including higher authorisation rates, up-to-date credentials and less fraud. With Click to Pay seamlessly embedded into checkout pages, merchants can choose to maintain control of the checkout experience.

How does a merchant or partner sign up for Click to Pay?

Visa encourages merchants to work with their existing payment service providers on implementation options for Click to Pay. Merchants or service providers can also contact their Visa representative.

Click to Pay | A new standard in online checkout

Click to Pay offers a new standard in online checkout

Built as an EMV tokenised solution,
Click to Pay ‍‍ helps deliver a secure, effortless online checkout for your customers.¹

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Click to Pay removes the complexities of online checkout

Improve the online checkout experience to help maximise conversion rates, minimise the cost of fraud and avoid the complexity of storing payment data.

Amplify conversion, grow revenue

Increase customer return rates by helping to reduce shopping basket abandonment within guest checkout.²

Boost approvals with increased authorisation rates

Click to Pay uses Visa Network Tokens, helping to minimise false declines, combat fraud and enhance your online checkout process.

Integrate into your existing user experience

Gain more control of your checkout flow with integration enhancements that work with your existing experience.

Like contactless, but online

Click to Pay is easy, simple and convenient for online checkouts. Here’s what you can expect.

Click to Pay helps maximise conversions

Authorisation rate lift

4.3 %

Global average for Visa Token CNP (Card-Not-Present) transactions vs PAN transactions³

Our Click to Pay partner finds lasting results

Adyen uses Visa Token Services and sees big benefits, including a 4% authorisation lift, compared to traditional guest checkout.⁴

“We have seen an uplift in authorisation rates and merchants have noticed faster checkouts.”

— Fred Potter, Click to Pay Product Manager, Adyen

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Turn browsers into buyers with Click to Pay

Join the many online retailers that choose to accept Click to Pay.

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Answers for the rest of your questions

Accepting Click to Pay is easy. However, if you still have questions about the process, we are here to help.

: Click to Pay is the new standard in online checkout and is an easy, secure way to check out online or in app. Click to Pay is an EMVCo global standard and is tokenised by design. It enables a safer, faster checkout by removing the need for consumers to manually enter card details.

Here is how it works:

Consumers look for the Click to Pay icon‍ ‍during checkout

Enter their email address

Confirm their identity

Choose the card to use

Complete the purchase, and that is it!
: Currently, Visa, Mastercard, American Express and Discover are participating in Click to Pay.
: Click to Pay helps merchants in several ways, including:

Reduces shopping basket abandonment and improves sales conversion rates by eliminating cardholder manual key entry.

Since Click to Pay is token-based, merchants enjoy the benefits of tokenisation, including higher authorisation rates, up-to-date credentials and less fraud.

With Click to Pay seamlessly embedded into checkout pages, merchants can choose to maintain control of the checkout experience.
: Visa encourages merchants to work with their existing payment service providers on implementation options for Click to Pay. Merchants or service providers can also contact their Visa representative.

EMV® is a registered trademark in the US and other countries and an unregistered trademark elsewhere. The EMV trademark is owned by EMVCo, LLC.
The Click to Pay icon, consisting of a double sequential right-pointing chevron, is a trademark owned by and used with the permission of EMVCo, LLC.
A merchant’s individual results may vary.
VisaNet, Oct–Dec 2023. Visa credit and debit global card-not-present (CNP) transactions for tokenised vs non-tokenised credentials. Auth. rate is defined as approved authorisations divided by total authorisation attempts based upon last attempt of a unique transaction.
Adyen Click to Pay pilot in Visa Europe Region from 1–31 May 2024. Merchant individual results will vary.

UX is provided for illustrative purposes only.

Click to Pay offers a new standard in online checkout