Click to Pay

Offer one-off card payments.

Click to Pay is a payment feature that allows shoppers to make secure card payments without having to enter their card details. There are over 70 million Click to Pay shopper accounts worldwide.

To use Click to Pay, shoppers can create an account either through the Mastercard and Visa portals, or directly with their issuing bank if it is supported. The card scheme is responsible for securely storing the cardholder data and issuing tokens.

Shoppers with Click to Pay accounts are recognized during checkout and can select their preferred card details from their Click to Pay account to complete the payment.

Currently, our Click to Pay integration doesn't support recurring payments, meaning you can't offer it for subscriptions and automatic top-ups. To offer recurring payments, use our regular Card Component or Drop-in instead.

Benefits

Click to Pay offers you the following benefits:

Higher authorization rates: Click to Pay increases card authorization rates through the use of Network Tokens.
Faster checkout and higher conversion: Click to Pay eliminates manual card detail entry, speeding up checkout times and boosting conversion rates.
Secure: all Click to Pay payments are made from a recognized device, or are authenticated through a one-time password, making them more secure than regular card payments.
No additional fees: Click to Pay payments are processed as Network Token card payments, meaning you don't incur additional costs.

How it works

During your checkout, we identify whether your shopper has a Click to Pay account, by recognizing either their device or email address.
If your shopper has a Click to Pay account, they can pay with their stored card details. Else, the shopper can pay through manual card detail entry.
Your shopper receives a one-time password via email and phone, and they authenticate themselves.
Your shopper's stored Click to Pay cards are displayed.
Your shopper selects their preferred card and confirms the purchase.

If your shopper uses a recognized device, step 3 is skipped.

Before you begin

Before you begin to integrate Click to Pay, make sure you have integrated one of the following:

Web Drop-in (v5.39.0 or newer)
Web Components (v5.39.0 or newer)

To add Click to Pay to your account, contact our Support Team or your Account Manager.

Step 1: Configure your integration

How you configure Click to Pay depends on your integration:

If you have a Drop-in integration, Click to Pay — when available — is shown with card payments.
If you have a card Component integration, integrate Click to Pay as part of the Card Component
If you have a custom card integration, integrate Click to Pay as a standalone Component

If you have a Drop-in integration, under the card configuration, set clickToPayConfiguration.merchantDisplayName to your merchant name. Depending on the authentication flow, this name may be displayed to the shopper.

Click to Pay as a standalone Component

To enable Click to Pay as a standalone Component, contact our Support Team.

When you integrate Click to Pay as a standalone Component, it is not rendered in the same UI element as where you collect cardholder details for card payments. This lets you separate Click to Pay from regular card payments and allows you to implement your own logic for when to display which payment method to your shopper.

Click to Pay is designed to be an alternative to manual card detail entry. To optimize the shopper experience when you combine Click to Pay with your API-only card integration:

Display the Click to Pay Component next to the card entry fields, so that shoppers who look to pay by card find both options.
Display only one option at a time, to maintain a clean interface. We recommend you display Click to Pay if your shopper is recognized, and manual card entry fields if it's not recognized or if the shopper chooses to enter their card details manually.

When you mount the Click to Pay Component and a Click to Pay shopper is recognized, they receive a one-time password via email and/or SMS. Make sure you mount the Component only when your shopper chooses to pay with Click to Pay.

To use Click to Pay as a standalone Component:

Create a session, with all required parameters and shopperEmail.
Set up Components.
Create an instance of AdyenCheckout and instantiate the Click to Pay Component:

Click to Pay as part of the card Component

When you integrate Click to Pay as part of the card Component, Click to Pay is displayed in the card Component only when your shopper is recognized (other shoppers see a regular card Component). Recognized shoppers can also choose to pay by entering their card details directly in the card Component.

When you mount the card Component with Click to Pay configuration and a Click to Pay shopper is recognized, they receive a one-time password via email and/or SMS. Make sure you mount the Component only when your shopper chooses to pay with Click to Pay.

If you have a Card Component integration, in the configuration, set clickToPayConfiguration.merchantDisplayName to your merchant name. Depending on the authentication flow, this name may be displayed to the shopper.

Step 2: Recognize the Click to Pay user

There are two ways in which your integration can recognize an existing Click to Pay user:

A Click to Pay account is registered with your shopper's email address.
A Click to Pay cookie is stored in your shopper's browser.

If at least one of these conditions is met, the Card Component displays Click to Pay.

To recognize whether a Click to Pay account is registered with your shopper's email address:

If your integration uses the /sessions request, pass the shopperEmail parameter to your AdyenCheckout configuration.
Else, add the shopper email address as shopperEmail to the card configuration:

Test and go live

To test Click to Pay, create a Click to Pay account for:

Then add one of the following cards to your account:

For Mastercard, see their Testing documentation.
For Visa:

PAN	CVV	Expiry date
4147049980002268	053	12/24
4147049980002276	182	12/24
4147049980002284	602	12/24
4147049980002292	352	12/24
4147049980002300	713	12/24
4147049980002318	382	12/24
4147049980002326	360	12/24
4147049980002334	497	12/24
4147049980002342	279	12/24
4147049980002359	235	12/24

Additional information

Because Click to Pay payments are processed as card payments, the following applies:

The usage of Click to Pay is compatible with 3D Secure, meaning that transactions may or may not require 3D Secure authentication, based on regular 3D Secure decision-making.
Your shoppers can issue chargebacks, which you can defend.
You can configure your risk settings for custom risk management.