Click to Pay | A new standard in online checkout | Visa

Click to Pay offers a new standard in online checkout

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

Click to Pay removes the complexities of online checkout

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

Amplify conversion, grow revenue

Increase returning customers by helping to reduce cart abandonments within guest checkout.²

Boost approvals with increased authorization rates

Click to Pay uses Visa Network Tokens, helping to minimize 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.

ENHANCED CHECKOUT Enable payments worldwide

Click to Pay is an EMVCo standard that can seamlessly integrate into your existing checkout experience, providing a fast and easy checkout for your customers.

TRANSFORMED TRANSACTION Reduce manual key entry

Replace manual entry of Primary Account Numbers (PAN) with tokenized card credentials so customers can shop online with ease.

CARD PRESENTATION View linked Visa cards at checkout

Customers can choose to select any enrolled cards to expedite their checkout and help complete their purchase.

Click to Pay helps maximize conversions

Authorization rate lift 4.3 % Global average for Visa Token CNP (Card-Not-Present) transactions vs PAN transactions³

Authorization 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% authorization lift, compared to traditional guest checkout.⁴

"We’ve seen an uplift in authorization rates and merchants have noticed faster checkouts."

— Fred Potter, Click to Pay Product Manager, Adyen

Answers for the rest of your questions

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

What is Click to Pay?

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

Here’s 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, that’s 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 cart abandonment and improves sales conversion rates by eliminating cardholder manual key entry.
Since Click to Pay is token-based, merchants enjoy the benefits of tokenization including higher authorization rates, up-to-date credentials and lower 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.

Turn browsers into buyers with Click to Pay

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

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.

The Click to Pay icon, consisting of a double sequential right-pointing chevron, is a trademark owned by and used with 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 tokenized vs non-tokenized credentials. Auth rate is defined as approved authorizations divided by total authorization attempts based upon last attempt of a unique transaction.
Adyen Click to Pay pilot in Visa Europe Region from 1st - 31st May 2024. Merchant individual results will vary.