Click to Pay – Cardstream

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What is Click to Pay?

Click to Pay is a modern payment technology offering online consumers a streamlined checkout experience. It is based on the EMV Secure Remote Commerce (SRC) industry standard, which was developed by major card brands, including Visa, Mastercard, American Express, and Discover. This technology simplifies and secures online payments by creating a standardised payment process across online platforms.

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Click to Pay gives consumers a secure and fast way to pay online, without entering their card details each time. Previously, consumers had to navigate a variety of checkout interfaces and input personal card information each time they made a purchase with a new retailer. With Click to Pay, customers can check out quickly with stored payment information, no matter what device or browser they use or which card they choose to pay with.

How does Click to Pay work?

Before using Click to Pay, the customer needs to create an account. There are a few ways for a customer to set up a profile or add a card:

Create a Click to Pay profile or add a Mastercard at mastercard.co.uk/clicktopay or Visa at secure.checkout.visa.com/createAccount. To manage cards and profiles with other payment brands, visit their online portals. Each scheme has its own online portal for registering cards.
Add a card to Click to Pay during checkout. The service can work on any website or app and currently supports Visa and Mastercard.

If you're a remembered user, you'll be recognised at checkout, and no password will be required.

Click to Pay Payment Flow - Frictionless

		1. Customer selects Click to Pay at checkout

		2. Chooses their preferred card

		3. Reviews and confirms their payment

		4. Purchase is complete

If you’re not a remembered user, enter your user ID – the email address or phone number associated with your Click to Pay profile – to receive a one-time verification code. This will allow you to access your Click to Pay profile and check out securely in just a few clicks.

For additional security, verification is always required to update personal information. You may also need to provide verification if there is unusual activity with your Click to Pay profile.

What are the benefits of using Click to Pay?

Click to Pay is a universal solution that works across devices, businesses, and browsers. There are many reasons businesses should offer it to their customers:

Security: Click to Pay provides robust protection for online transactions. It incorporates advanced security features such as tokenisation and dynamic data, replacing sensitive payment information with unique tokens during transactions. This process helps reduce the risk of data breaches, card-not-present fraud, and other cyber threats, thereby enhancing consumer trust.
Increased revenue: The smoother and faster checkout experience can increase conversion rates, reducing the number of customers who abandon their carts due to complicated or time-consuming checkout processes. Also, its security features can help businesses protect their reputation by minimising the risk of data breaches and fraudulent transactions.
Manage your transactions all in one place: Transactions are managed within the Merchant Management System (MMS), like card transactions.
Enhanced customer experience: Customers can select from previously stored details, making the checkout process more streamlined, resulting in fewer abandoned carts and thus increasing sales.

How can I enable Click to Pay?

For more information on how to add Click to Pay contact our support team.

Click to Pay is available via accredited Acquirers only. You will need to confirm with your Acquirer that they support Click to Pay with Cardstream.

Last updated February 2025