Click to Pay for Merchants and PSPs

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Merchants and Payment Service Providers

Merchants and PSPs (or organizations acting on their behalf) can act is an SRCi and enroll cards and cardholders to Click to Pay. They also facilitate card selection during checkout and receive payment payloads to process transactions.

There are five ways to integrate with Click to Pay:

Visa Click to Pay API: provides API endpoints for integration
Unified Checkout: single interface for accepting digital wallets in checkout page for merchants already on Cybersource gateway
Click to Pay Drop-In UI: quick and easy way to add Click to Pay to merchant checkout experience. Supports multiple payment networks
Visa Click to Pay SDK: provides an SDK with JavaScript APIs for integration
Unified Click to Pay: provides an SDK with JavaScript APIs, supporting multiple payment networks

	Networks	UI	Estimated implementation duration	Gateway	Supports	Who?
Visa Click to Pay API	Visa	Customer controlled	2 months	Any	Only Click to Pay	Merchants, Acquirers, Enablers
Unified Checkout	Visa, MasterCard, American Express	Pre-built-, flexible	4 months	Cybersource	Click to Pay, Google Pay, Apple Pay Paze, eCheck and manual card entry	Merchants
Click to Pay Drop-In UI	Visa, MasterCard, American Express	Pre-built-, flexible	2 months	Any	Only Click to Pay	Merchants, Acquirers, Enablers
Visa Click to Pay SDK	Only Visa	Customer controlled	6 months	Any	Only Click to Pay	Acquirers, Enablers
Unified Click to Pay	Visa and MasterCard	Customer controlled	4 months	Any	Only Click to Pay	Merchants, Acquirers, Enablers

Getting Started with Visa Click to Pay or Unified Click to Pay

If you have selected either Visa Click to Pay or Unified Click to Pay as your integration option, you need to:

Contact your Visa representative to get started.
Sign the Visa Digital Commerce Program (VDCP) agreement.
View the related implementation content for the integration path you choose. The content includes technical specifications, integration guides, best practices, and sample code.
Draft Solution Architecture.
Integrate your Mobile app and/ore Web portal with the JavaScript APIs of the relevant Click to Pay SDK.
Work with the Visa Implementation Lead to complete implementation and solution certification. The certification process ensures that your integration meets the Visa standards and requirements.
Get Solution Approval.
If you are a PSP, you can onboard your merchants into the Click to Pay system.