Click to Pay

Break down your check out process to one click only.

Make it simple, take back your customers and forget about the abandoned transactions.

The online shopper is always right!

e-commerce payments

61%
of e-commerce payments
are card based.

guest checkouts

19%
of e-commerce payments
are guest checkouts.

25%
abandonment rate due to long
and complicated checkout process.

30%
abandonment rate in case
of shop registration requirement.

Source: Mastercard, Worldpay, BCG

With the inevitable growth of the e-commerce, the demands of the online shoppers are becoming more and more stronger. When it comes to paying online with a card there is no doubt that they would like to have the same experience or very close to the “in store” one. So, NO registration, NO filling out long data forms, FAST and EASY.

And there is always a “but”. But, in the same time, they would like YOU to keep their card data SAFE.

One click solves it all!

Merchants

  • Click for simple check out
  • Click to increase the conversion
  • Click to prevent the frauds

Read more

Issuers

  • Click for security
  • Click for confidence and trust
  • Click for your business growth

Read more

Have you heard of Click to Pay?

Here is how EMVCo defines it:

EMVco

“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

Maximize your users’ payment experience.
Get in touch with us!

Contact us

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.

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To complete the purchase the user clicks on the Click to Pay button in order to checkout.
laptop-screen__a2
Since this is a new user, they add a card to create their Click to Pay account.
laptop-screen__a3
The user fills detailed information, including shipping address and mail for verification.
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The Click to Pay system sends a security code to user’s mail for confirmation.
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The user confirms the card, the order sum and shipping information and chooses Click to Pay system to remember the device for faster future checkouts.
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The order can now be placed.
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The order is complete.

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

Do you need more information?

Please fill in the form and we will come back to you

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

mob-app-screen__1
The Click to Pay option is offered in the mobile banking app.
mob-app-screen__2
The cardholder select the card to be used for Click to Pay.
mob-app-screen__3
The account information is prefilled for a quicker enrollment.
mob-app-screen__4
The card is successfully added.
mob-app-screen__5
The cardholder is ready to use Click to Pay.

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

Do you need more information?

Please fill in the form and we will come back to you.