Visa Click to Pay

Merchants and Payment Service Providers

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Merchants and Payment Service Providers

Getting Started

  1. Contact your Visa representative to get started
  2. Sign the Visa Digital Commerce Program (VDCP) agreement.
  3. Choose integration path using one of the available SDKs:
    1. Visa SRC SDK
    2. Visa as a Digital Terminal SRC SDK
  4. View the related implementation content for the integration path you choose. The content includes technical specifications, integration guides, best practices, and sample code.
  5. Draft Solution Architecture
  6. 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.
  7. Get Solution Approval
  8. If you are a payment service provider (PSP), you can onboard your merchants into the Click to Pay system.

High Level Architecture

High Level Architecture Diagram
  1. Digital Terminal (DT) integrates Visa Click to Pay checkout on behalf of the Digital Payment Application (DPA) for checkout flow.
  2. Upon initialization, DT performs card entry/selection step based on user recognition performed by Visa Click to Pay System.
  3. Digital Terminal invokes the Digital Card Facilitator (DCF) based on the card selection.
    Note: In Merchant Orchestrated Checkout experience, role of Digital Card Facilitator is performed by Digital Terminal.
  4. DCF may capture additional data (e.g., first/last name, email, phone, and shipping address including country) and present screens to validate the cardholder (CVM).
  5. DCF sends the DPA information, order, consumer selection, and additional data captured to Visa Click to Pay System.
  6. Visa Click to Pay System responds with a checkout payload to DCF.
  7. DCF passes the checkout payload back to DPA, via Digital Terminal.
  8. DPA sends the payload to Digital Acceptance Gateway (DAG) to process the transaction.
  9. DAG calls Visa Click to Pay (if needed) to receive the full payment payload and completes transaction processing.
     

Ways to Integrate

Merchant Orchestrated Checkout

Merchant Orchestrated Checkout is a type of Click to Pay implementation in which a Digital Terminal enables an end-to-end checkout experience for the Digital Payment Application. It eliminates key entry of card and personal information for a recognized user, reduces the number of steps involved in checkout completion, and avoids errors, leading to a better checkout conversion.

For a recognized consumer on a device, the Digital Terminal will display the list of Click to Pay enabled cards on the DPA checkout page. Once the consumer selects a card, the Digital Terminal will orchestrate DCF functions to collect additional information, perform cardholder verification, and show the order confirmation page.

Note: A recognized experience can be enabled for a new customer of a DPA if the customer has used Click to Pay previously on the same device (with a different DPA) and has opted into “Remember Me”.

Visa SRC SDK

The Visa Secure Remote Commerce (SRC) SDK provides JavaScript APIs to be used by a Digital Terminal SRC initiator (SRCi) to communicate between the Digital Payment Application (DPA) and the Visa SRC system.

Visa and other participating networks, such as MasterCard or American Express, each provide an SRC system to handle transactions under the EMV® Secure Remote Commerce Standards. Each SRC system provides a JavaScript API to invoke operations on the SRC system.

Important: This document only provides information about the Visa Secure Remote Commerce implementation of SRC. Refer to other networks’ documentation for non-Visa implementations of SRC.

Integration Overview arrow_forward JavaScript Reference arrow_forward

Visa as a Digital Terminal SRC SDK

The Visa as a Digital Terminal Secure Remote Commerce SDK provides JavaScript APIs to be used by the SRC initiator (SRCi) to communicate between the Digital Payment Application and supported networks' SRC systems such as Visa, MasterCard, American Express, and Discover.

JavaScript Reference (DRAFT) arrow_forward