Click to Pay is a payment solution that allows consumers to pay securely from any device regardless of if they have visited that website before. To do this, MasterCard, and Visa Inc. – teamed up to create a new digital wallet option based on their token technology. It allows cardholders to use a single sign-in to make purchases on the web, iOS, or Android mobile device providing an easy and secure way to pay online which is powered by the global payments industry to protect users' payment information. Cardholders can add cards from Visa, and Mastercard to enable Click to Pay simply and securely.

We have added Click to Pay as a payment method on our Cashflows Gateways Hosted Checkout Page. When a cardholder is browsing a website and goes through the checkout process without signing in then will be presented with the Click to Pay payment option on our Hosted Checkout Page.

It’s free, although you will still pay your standard and acquiring fees.

All applicable merchants will be mass enabled for Click to Pay, they will then need to go into Cashflows Portal → Configuration → Payment Methods to activate it.

Other than having a Cashflows merchant 

No, if a cardholder has a Click to Pay account, they will be presented with the Click to Pay option first. If they chose to pay another way, then Apple or Google Pay as well as the normal card fields will appear.

If a cardholder is signed into the website, then they will not see the Click to Pay option as they will be using that website stored shopper capability on our Hosted Checkout Page.

If a cardholder doesn’t have a Click to Pay account and isn’t signed into the website, then they will be presented with the same payment methods / options as normal. But they will be asked if they wish to store their card details with Click to Pay if they are not using Apple or Google Pay

No integration is required - we have integrated Click to Pay directly into our hosted checkout page.

No, that is the next phase of work. Currently Click to Pay will only work on our redirect hosted checkout page.

Click to Pay is available in various countries worldwide, including the United States, Canada, the United Kingdom, Australia, and many more. Click to Pay is a growing global payment solution, expanding its availability to reach more customers and merchants around the world.

For Cashflows it’s just Visa and MasterCard

Customers can add, edit, or remove credit and debit cards and update their Click to Pay settings by accessing their Click to Pay account via the checkout page when making an online purchase. They can also log into their Click to Pay mobile app to make changes to their payment methods and preferences.

When enrolling in Click to Pay, customers are asked whether Click to Pay should remember them on that device. Doing this allows them to use Click to Pay without needing to verify their identity each time. If a customer shares their device with someone else, they should NOT select the "Remember Me" option during enrolment. This ensures they will need to verify their identity before making each Click to Pay transaction from that device.

Yes, Click to Pay can be used for recurring payments and subscriptions. Once customers have enrolled and stored their payment information, they can authorise recurring charges or set up subscriptions with merchants that support this functionality.

No, although we highlight the shared similarities in purpose and functionality, Click to Pay is not the same as Apple Pay. Click to Pay functions like a digital wallet but for credit cards. Unlike Apple Pay, PayPal, Google Pay, and other proprietary platforms, Click to Pay is offered through EMVco, the global body responsible for managing the card payment security standards known as EMV Specifications. Click to Pay benefits from using EMVco’s existing infrastructure and security protocols.

Click to Pay is EMVco's response to the rapidly increasing adoption and usage of digital wallets like Apple Pay among both consumers and merchants. It’s also a replacement for earlier one-click solutions offered by individual EMV credit card networks (e.g. Visa Checkout, Masterpass, American Express Checkout, etc.). It enables customers to make one-click payments across different merchants and devices regardless of the card brand they use.

No, you don’t have to have Click to Pay.