- What is Mastercard Click to Pay?
Mastercard Click to Pay is a new way to pay with cards that makes it easier for customers to check out by eliminating the need to manually enter card details. It leverages intelligent user recognition, tokenization, and global standards to provide a faster and more secure checkout for consumers, increasing conversion. Mastercard Click to Pay is based on EMVCo Secure Remote Commerce standards and is supported by major card schemes, functioning on all devices, browsers, and channels.
- How do my customers create Mastercard Click to Pay profile?
Customers only need to register once to then access their profile across participating merchants. There are various ways to create an account:
- Via your customer’s bank solution: cardholders can create Click to Pay profile and add/link their card via their bank which issued their payment card designed solution. Customers need to check with their issuer bank are they supporting Click to Pay and how to enroll the card.
- During checkout experience: In case your customer doesn’t have card enrolled to Click to Pay profile there will be a possibility to create Click to Pay profile and add card for future payment there during checkout (only in case card is issued by bank which supports Click to Pay).
- How and where do customers use Click to Pay?
This secure and convenient online payment option is designed to work on all devices and browsers. Customers can experience the future of checkouts by looking for the Mastercard Click to Pay icon.
- What payment methods does Mastercard Click to Pay support?
Your customers may use both Mastercard and VISA issued card with our Click to Pay solution.
- How does it work?
During checkout, we identify whether your customer has a Click to Pay account, by recognizing either their device or email address.
- In case Your customer has a Click to Pay account, they can pay with their stored card details:
- Your customer receives a one-time password via email/phone, and they authenticate themselves. This step is skipped if the customer is using a recognized device.
- Your customer’s stored Click to Pay cards are shown and customer selects their preferred card add confirms the purchase.
- In case your customer doesn’t have card enrolled to Click to Pay profile there will be a possibility to create Click to Pay profile and add card for future payment there during checkout.
- There is always an option to pay through manual card detail entry (existing payment flow).
- How does Mastercard Click to Pay differ from other online payment solutions?
Unlike competing alternative payment methods, Mastercard Click to Pay is based on global payment standards and works across all channels and devices. Think of Mastercard Click to Pay as contactless payment, but for e-commerce.
- Usage limitations
Click to Pay does not support tokenization or subsequent MIT/CIT payments.
This means if you have enabled with MIT (Merchant Initiated Transaction) permissions and therefore using tokenization, you won‘t be able to use Click to Pay at this point in time.
If tokenization is requested, the system automatically switches to the regular card payment flow instead of using Click to Pay. This means users will manually enter their card details for tokenized transactions and Click to Pay logo can’t be used in this case.
This restriction is due to Mastercard’s current limitations, as they do not support Click to Pay flows for tokenized transactions.
If you want to enable Click to Pay at this stage, you need:
- Avoid sending token_agreement and request_token in the request for transactions where C2P should be available
Please approach our support for more details support@every-pay.com.
