Click to Pay
Overview
Click to Pay is a secure and convenient payment solution designed to streamline online transactions by eliminating the need for cardholders to manually enter their card details during checkout. By leveraging Visa network tokens and dynamic cryptograms, Click to Pay strengthens transaction security and reduces the risk of fraud in e-commerce environments.
Mynt provides backend integration capabilities for native partners to support Visa Click to Pay. For our white-label and light partners, Mynt has also implemented Click to Pay within our own web and mobile applications. Through Mynt’s API, partners can enable cardholder enrollment and manage the full lifecycle of Click to Pay participation.
Although Visa Click to Pay is not a new feature and many cardholders may already be enrolled through Visa’s existing services, Visa now requires issuers to actively support Click to Pay enrollment within their own digital channels, such as online banking or mobile applications. This updated mandate is intended to deliver a more seamless and user-friendly experience for cardholders.
Key features
- Seamless checkout: One-click payment across merchants and devices.
- Enhanced security: Utilizes tokenisation and risk-based authentication.
- Lifecycle management: Update and manage cardholder details via APIs.
- Improved authorisation rates: Fewer declines and reduced checkout abandonment.
Value for cardholders
- Faster checkout: Reduced friction during payment.
- Multi-device access: Consistent experience across devices.
- Hassle-free management: Ability to update details or opt out at any time.
Implementation considerations
Partner should ensure compliance with Visa’s requirements:
- Cardholder communication: Prepare and deliver appropriate messaging.
- Updated Terms & Conditions: Ensure legal documentation is current.
- Opt-out mechanism: Provide cardholders with a clear option to opt out.
- Card art and branding: Incorporate the Visa Click to Pay icon in card art, following Visa’s Product and Brand Standards. Existing card stock does not require modification, but all new card stock and digital cards must include the Visa Click to Pay logo.
Technical implementation
Default behavior at launch
When Click to Pay is launched, all existing cards will be automatically enrolled unless the cardholder has explicitly revoked their Click to Pay permission at the user level.
This default behavior continues after launch. When new cardholders are created and cards are ordered, they will be automatically enrolled in Click to Pay unless the user has revoked their permission.
Enrollment Data
When onboarding a user or card to Click to Pay, the email address and phone number are automatically taken from the user object. Ensure this information is accurate and up to date before initiating enrollment.
API operations
User-level operations
These endpoints manage the cardholder's Click to Pay permissions and control participation status.
Read Click to Pay permission: retrieves the current Click to Pay permission status for a cardholder. API Reference
Grant Click to Pay permission: Grants Click to Pay permission for a cardholder. Note that granting permission does not automatically enroll existing cards, cardholders must enroll these manually. However, any future cards created for the user will be automatically enrolled. API Reference
Remove Click to Pay permission: Revokes Click to Pay permission for a cardholder. This will remove all enrolled cards from Click to Pay. API Reference
Card-level operations
Get Click to Pay enrollment status: returns the current enrollment status for a specific card. Before Click to Pay is launched, the enrollment status for all cards will be false when calling the endpoint. Cards will be onboarded on launch day. API Reference
Enroll card: registers a card to Click to Pay. The cardholder will be able to use one-click checkout at participating merchants once enrollment is complete. API Reference
Remove card: removes a card from Click to Pay enrollment. API Reference
Important considerations
Do not cache enrollment status
We strongly recommend against storing Click to Pay status on your side. Always fetch the current status from the API, as Visa processes enrollment and removal operations asynchronously. The correct status will always be in Visa's platform.
Asynchronous processing
Visa processes Click to Pay operations asynchronously. There is no guaranteed maximum duration for enrollment completion.
Phone number dependency
If you remove the phone number from a user who is onboarded to Click to Pay, the profile and all associated cards will be automatically offboarded.
Profile ownership
Cards enrolled through Mynt's Issuer Click to Pay integration are owned and managed exclusively by Mynt. Cardholders can view these cards in Visa's Secure Checkout portal but cannot edit or remove them, only through Mynts API or via Mynt's white label platform.
Data Isolation
Updates to cardholder details (email, phone number) only affect cards within Mynt's issuer profile. Other issuers' cards linked to the same cardholder remain unaffected.
What happens to a cardholder's existing Click to Pay profile when we go live?
If the cardholder has an existing profile and you enroll them using the same email address and phone number, Mynt (as the issuer) will assume ownership of that profile.