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Click to Pay is a digital payment solution that provides a streamlined and secure guest checkout experience for online shopping. Backed by major card networks including American Express, Discover, Mastercard, and Visa, it allows customers to make purchases without creating an account or manually entering their card details for every transaction.

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How it works

Click to Pay simplifies the checkout process by maintaining a secure payment profile for customers across different merchants. The typical checkout flow is:
  1. The customer enters their email address at checkout.
  2. Click to Pay recognizes the customer and prompts them to authenticate.
  3. Once authenticated, the customer can select from their saved cards.
  4. The payment is completed using a secure network token, without exposing sensitive card information.

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Benefits of Click to Pay

Integrating Click to Pay offers several advantages:
  • Increased Conversion: A faster and more convenient checkout process leads to higher conversion rates and reduced cart abandonment.
  • Enhanced Security: Payments are processed using network tokens, reducing the risk of fraud and data breaches.
  • Improved Customer Experience: Customers no longer need to remember passwords or manually enter card details for each purchase.
  • Cross-Merchant Recognition: Once enrolled, customers can use Click to Pay across any participating merchant.

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Advanced security features

Click to Pay supports additional security features that can be enabled to further enhance transaction security and improve the customer experience:

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Token Authentication Service

Token Authentication Service generates a cryptogram that authenticates payment tokens during checkout, providing EMV-level security for online transactions. TAS can replace traditional 3-D Secure flows, eliminating redirect steps while maintaining strong authentication. On supported devices, TAS leverages passkeys for biometric authentication. Learn more about TAS →

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Customer Authentication Module

Customer Authentication Module analyzes device and behavioral data to create a risk profile for each transaction. It silently authenticates most legitimate transactions without friction, only prompting for step-up authentication (like OTP) when higher risk is detected. Learn more about CAM →

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Click to Pay with Secure Fields

The platform makes it easy to add Click to Pay to your checkout flow through Secure Fields. When a customer’s email is recognized as being enrolled in Click to Pay, the option is automatically presented to them, providing a seamless and secure payment experience. For detailed implementation instructions, read the setup guide. For a practical implementation guide, check out the Click to Pay sample repository.