Click to Pay is Visa’s solution for e-commerce payments based upon the EMV® Secure Remote Commerce (SRC) standards and specifications. It helps enable frictionless online checkout using a single payment profile across a variety of consumer devices and participating online merchants.

Visa’s implementation of the EMVCo SRC framework and specifications is an important part of the Visa Digital Commerce Program that aims to address industry concerns surrounding digital payments, including improving cardholder/merchant trust and checkout conversion. Visa Click to Pay supports and builds upon the security provided by Visa Token Service.  

Similar to the brick-and-mortar environment in which a POS terminal provides merchants with card acceptance capability, the Digital Terminal provides e-commerce merchants with a secure method to initialize the Visa Click to Pay checkout experience and accept card payments. Visa Click to Pay is designed to:

• Reduce the need to enter account numbers and passwords during checkout flows 
• Provide a simple and consistent digital checkout experience
• Help make payment credentials less vulnerable to fraud

Visa Token Service (VTS) is based on the protocol described in the EMV® Payment Tokenization Specification Technical Framework. Visa Token Service enables contactless (tap to pay) and in-app payments on third party or issuer applications on mobile devices and wearables as well as remote payments through e-commerce enablers and merchant card-on-file solutions.

These are some of the key terms used throughout this implementation guide. For a more complete list, please view the Glossary.