---
title: Click to Pay
slug: click-to-pay
docTags: 
createdAt: 2025-12-16T10:25:19.451Z
---

Click to Pay is an EMVCo industry-standard online checkout solution, designed to reduce friction, improve conversion, and enhance security for card based payments.

Presented as part of the card payment method, Click to Pay uses the consumer's email address or mobile number to find their linked cards.
The merchant will display the list of cards linked to the consumer, in the checkout page.

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Click to Pay is suitable for use for **all** integration types.
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## Benefits of Click to Pay

**Provides consumers with a fast and efficient checkout process**
Consumers are recognised by their email address or mobile number at checkout. Their details can be quickly accessed for future transactions, eliminating manual card entry and introducing **Payment Passkeys** for fast, easy authentication.

**Keeps consumer information safe and secure**
When a consumer enrols, their consumer profile is created and their card details are securely saved with Click to Pay. 

**Set up once for seamless future payments**
Click to Pay sends the merchant a **Recognition Token** once the consumer enrols. 
The merchant will recognise the consumer via the token and automatically displays the list of cards linked to the consumer's Click to Pay profile in the checkout page.

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## How it Works

Click to Pay **combines card tokenisation with authentication** to protect sensitive payment data and reduce fraud risk.

Enabling **biometric authentication** via Payment Passkeys, allows consumers to authenticate using familiar device-level biometrics (for example, a fingerprint or face recognition) rather than using a password or one-time code.

### Consumer Flow

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The consumer manually enters their card details in the checkout page.
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The consumer is prompted to enrol with Click to Pay to create a profile and save their card details.
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The consumer creates a Click to Pay profile as part of their checkout experience.
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Click to Pay securely saves the consumer's card and billing details.
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Following consumer enrolment, Click to Pay provides the merchant with a Recognition Token. 
This allows the merchant to recognise the consumer and display their saved cards during future checkouts.
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The merchant can also recognise the consumer through their email address and mobile number.
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The merchant displays a list of cards that are linked to the consumer's Click to Pay profile in the checkout page.
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