Click to Pay is a solution developed by major payment networks that allows customers to securely store their payment information and check out with a single "click". Customers can create a digital profile during checkout, linking their device and one or more payment cards to it. The next time they buy something online with the same device and card, they select Click to Pay at the merchant checkout, authenticate with an OTP and perform the payment with a simple click.

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Click to Pay uses tokenization to replace sensitive cardholder data (such as the 16-digit credit card number, expiration date, and CVV) with a unique token that has no intrinsic value outside of the specific merchant or payment processor. If a merchant's system is breached and tokens are stolen, the attackers gain nothing of value. The actual card data remains safely stored in a secure vault managed by the payment processor or tokenization service provider. In 2024, the major card networks issued mandatory requirements for issuers to implement Click to Pay. The expectation is to enrol all countries globally by 2025. Visa and Mastercard have launched their Click to Pay mandates, making its integration compulsory for issuers.

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We have deep technical expertise to integrate new digital solutions such as Click to Pay into the existing payment ecosystem, ensuring smooth and efficient implementation. Our team can help you navigate the security requirements of Click to Pay, including tokenization and authentication protocols.