Visa Click to Pay

Use Cases

Activating Click to Pay

A new consumer applies for their first card

• Alex decides to open an account with Digital Bank which includes a Visa Debit card.
• After completing the application form, Alex accepts Digital Bank Terms and Conditions, which includes Click to Pay provisions, and submits the application.
• Alex is informed that the application was successful.
• Alex receives the Click to Pay pre-activated card by post.

Fig.1. Illustrative UX for a new consumer opening an account with a Digital Bank.

The issuer activates Click to Pay on the cards of an existing customer

• Digital Bank informs Alex that Click to Pay will become a standard feature of their Visa cards, explain the features and benefits of Click to Pay and provide the option for Alex to opt out.
• Alex is excited to use Click to Pay and waits for the activation date advised by Digital Bank. On the activation date, Digital Bank informs Alex that Click to Pay is now active on the card.
• Alex opens the Digital Bank app.
• Alex lands on a Click to Pay intro screen.
• Alex opens the Click to Pay section for a Visa card.

Fig.2. Illustrative UX for an existing consumer opening another account with a Digital Bank.

An existing consumer, who already has cards with Click to Pay, applies for a new card

• Alex decides to apply for a credit card.
• On the Digital Bank app, after completing all the required steps, Alex submits the request for a credit card.
• Alex receives a new Digital Bank credit card that comes with a pre-activated Click to Pay feature.

Fig.3. Illustrative UX for a consumer, who already has card/s in Click to Pay with the same Digital Bank, applying for a new card.

Viewing Click to Pay Details

A consumer reviews the Click to Pay details of one of their cards

• Alex opens the Digital Bank app.
• Alex navigates to the Card Settings screen of a Visa card.
• Alex opens the Click to Pay section and sees all related details.

Fig.4. Illustrative UX for a consumer, who has card/s in Click to Pay, reviewing the details of their cards in Click to Pay.

Editing Click to Pay Details

A consumer updates the email and/or mobile number associated with Click to Pay

• Alex has a new email and/or mobile number and wants to replace the current Click to Pay email and mobile number with the new ones to keep shopping quick, safe and easy.
• On the Digital Bank app, Alex goes to the card settings screen.
• Alex opens the Click to Pay section and locates the FAQs.
• Alex learns that to update the Click to Pay email and mobile number they also need to update the ones on the Digital Bank app as the two are the same.
• Alex contacts Digital Bank and asks to update email and mobile number.
• If the email and mobile number are new: Digital Bank asks Alex to validate the new details before replacing the old details.
• Digital Bank updates email and mobile number for Alex in all their systems and sends the update to Click to Pay.

Fig.5. Illustrative UX on how a consumer would find instructions on changing personal information in Click to Pay.

Opting Out from Click to Pay

A consumer opts out one card from Click to Pay

• Alex wants to opt out of Click to Pay.
• Within the Digital Bank app, Alex navigates to the Card Settings screen.
• Alex opens the Click to Pay section and locates the FAQs.
• Alex learns that to remove CTP they need to contact Digital Bank.
• Alex contacts Digital Bank asking to opt out the card from Click to Pay.
• Alex can now see that Click to Pay has been deactivated.

Fig.6. Illustrative UX on how a consumer would find instructions on opting out from Click to Pay for one of his cards.

Receiving a Click to Pay Enrollment Attempt Notification

A cardholder attempts to enroll into Click to Pay

• Alex attempts to enroll their card into Click to Pay at Checkout or on the Consumer Portal.
• The Issuer elects to activate the credential into Click to Pay after receiving this notification.
• Alex's card is now available for use in Click to Pay.

Disclaimer: This page is provided on an “as is, where is” basis, “with all faults” known and unknown. This page could include technical inaccuracies or typographical errors.