Click to Pay

EMVCo defines Click to Pay as:

“The EMV Secure Remote Commerce (SRC) Specifications enable a common consumer e-checkout that promotes simplicity, familiarity, interoperability, convenience and trust.

Consumer-facing solutions and programs based on the EMV SRC Specifications can be described as Click to Pay. This universal description enables ease of recognition for consumers, and signals that a consumer can confidently transact through an easy e-checkout, regardless of the payment card, digital channel or device they use.”

EMV® is a registered trademark in the U.S. and other countries and unregistered trademark elsewhere.
The EMV trademark is owned by EMVCo, LLC.

Why Click to Pay?

Merchants

Increase of successful shopping transactions (less abandonments)
Get rid of sensitive card and personal data entries
Simplified and faster checkout process (customer recognition based on device fingerprint independent of an existing merchant account)
Take the PCI DSS compliance off from the merchant

Issuers

Increased usage of the card for online payment
Lower risk of fraud
Control over the provisioning of the cardholder’s data to merchant environment

Click to Pay Card Push Provisioning

Solution for Issuers

Connects the issuer’s banking portal/app with the payment networks’ tokenization platforms for the purpose of provisioning a payment card in the format of a payment token to Click to Pay service.

Higher level of security of the cardholder’s data in the online payment is achieved with the network tokenization. Herewith, the Click to Pay Card Push Provisioning service has the role of integrator of the different schemes’ tokenization services like Mastercard´s token connect or Visa´s digital card enrollment Hub (VCEH). This is done via a unified integration interface, helping the issuers to simplify the complexity and reduce the workload.

The issuer enables Click to Pay to find the card art, card meta data and cardholder’s data and defines the authentication methods that should be used in different scenarios.

Enables the card enrollment via the Issuer’s banking app

This is a more convenient way for both the cardholder and the issuer because

There is no need for the cardholder to manually fill-in the enrollment form: the payment card information and shipment are pre-filled (taken from the banking app), and only need to be confirmed by the cardholder
The strong customer authentication required at the enrollment can be performed with less friction (within the banking app, for example with biometry (fingerprint or face recognition))
Even more convenience is provided with pre-enrollment for Click-to-Pay service when issuing new cards, where the customer only needs to give consent for the enrollment
Once the card is enrolled, the fast “one click” payment experience happens even at the first-time checkout with click to pay

What do you get with Netcetera’s Click to Pay solution?

Single and unified point of integration of the various payment networks´ token enrollment interfaces and systems
Integration by means of unified API
Responsive and multilingual UI support to enroll, use, add and manage cards and shipping information
Secure access to a trusted card and user data repository managed by payment networks and Payment Card Issuer
On premise as well as SaaS operational model available
Full compliance with PCI DSS operations at Netcetera data centers
Integration support for on premise installations

Click to Pay Server & Click to Pay SDK

Solution for Merchants & PSPs

The online shopper needs to enroll his/her payment card in the Scheme’s SRC system. The enrollment may happen at merchant’s side when the online shopper decides to checkout selecting the Click to Pay button.

In order to be able to provide the Click to Pay service to their online shoppers, merchants and PSPs need to implement in their online payment infrastructure a solution for Click to Pay. Netcetera’s Click to Pay solution consists of two components: Click to Pay Server and Click to Pay SDK.

What do you get with Netcetera’s Click to Pay solution?

Uniform User Checkout Experience across payment networks
Single and unified point of integration to the various payment networks´ SRC systems
Integration by means of API or Web SDK components and interfaces
Full Mobile and Web Browser compatibility
Easier payment options on mobile channels
Responsive and multilingual UI support to enroll, use, add and manage cards and shipping information
Secure access to a trusted card and user data repository managed by payment networks and Payment Card Issuer
Fast time to market
Compliance with the new regulations (e.g. PSD2, GDPR, …)
Avoid certification efforts
On premise as well as SaaS operational model available
Full compliance with PCI DSS operations at Netcetera data centers
Integration support for on premise installations