Integration Types
Other Features
Card Payments
Mobile Wallets
Alternative Payment Methods
Resources
Click to Pay is an intelligent, password-free online checkout option that provides a quick and easy checkout experience designed to make ‘guest checkout’ faster and easier across all devices.
Click to Pay provides a single checkout button and a standardized checkout flow for all participating card schemes, including Mastercard, Visa, American Express, Discover and others.
Click to Pay is built off EMVCo's SRC specification and replaces Masterpass, Visa Checkout and Amex Express Checkout.
A payer can create a Click to Pay profile using their email address. During checkout, the payer must then provide this email address and perform an additional verification step with a one-time passcode (OTP). They can also choose the "Remember me" option to subsequently skip the verification when using the same browser in a subsequent checkout.
The payer can store multiple credit, debit or prepaid cards, the associated billing addresses, and multiple shipping addresses in their Click to Pay profile. Card details are securely stored, and additional security is provided by offering network tokenization where possible (market acceptance of network tokenization must be enabled).
Click to Pay allows your payer to select the payment details to be used for the payment; however, the payment itself is processed using the acquirer configured for your merchant profile in the gateway.
You will need to build your integration using the MTF environment first and then go live on the production environment.
Click to Pay offers the following benefits:
If you want to offer Click to Pay as a checkout option to your payers:
Integration guide link for Mastercard SRCi: https://developer.mastercard.com/unified-checkout-solutions/documentation/
Support page for Mastercard SRCi: https://developer.mastercard.com/unified-checkout-solutions/documentation/support/
When you integrate directly with the network token service provider, you must obtain the token details from the provider, and provide these details to the gateway on an Authorization/Pay request to process payments.
In addition to the standard fields, provide the following fields in an Authorization/Pay request to process payments using network tokens issued by the network tokenization service providers.
When a network token is provided in the Authorization/Pay request, the Retrieve Transaction response will return the following:
If the acquirer returns an FPAN
If the acquirer does not return an FPAN:
Due to complexity with the Token Passthrough method, merchants must currently test with their LIVE Production merchant.
Region | Live or Test Merchant? | Card Type Used | Functionality/Purpose |
---|---|---|---|
MTF | Live | Click to Pay Provided – Sandbox Test Card | You can integrate with the Mastercard SRCi sandbox environment to test the flow of Token Passthrough. |
Prod | Live | Live cards owned by the merchant | Full end to end testing with Mastercard Gateway and Click to Pay Token Passthrough Method. |