Visa Click to Pay

Issuers

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Getting Started as an Issuer

Introduction

Visa’s vision is for Click to Pay to replace PAN key entry for e-commerce in much the same way as Chip and Contactless have replaced magnetic stripe at Point of Sale (POS). Delivering on this vision will significantly reduce the opportunities for fraud in e-commerce and deliver a significantly improved purchase experience for both consumers and merchants. Click to Pay brings the convenience and security of face-to-face Contactless payments to e-commerce by eliminating the need for consumers to enter card details manually at checkout and removing the reliance on PANs for e-commerce. This will mean utilizing Visa network tokens, with a secure cryptogram generated for every transaction, significantly reducing the opportunity for fraudsters to attempt to use stolen PAN details for e-commerce fraud.

To enhance this proposition, as an Issuer you can enable Click to Pay as a card level feature of the bank card (just like Contactless). 

For more details on the APIs, refer to How to Enroll and Manage Customer Data section, with usage guidance provided in the Issuer Use Cases section

Technical Implementation and Go-Live

The following section provides an overview of the phases an Iissuer will undergo throughout the implementation process.

1. Pre-Implementation

  • Visa provides an overview of the solution. 
  • As a pre-requisite, issuers need to be Token Ready.
  • To learn about the requirements and best practices to participate in the Issuer Offered Click to Pay, please refer to the Issuer Guide or contact your visa representative. 

2. API Implementation and Testing

  • Review API specs in How to Enroll and Manage Customer Data and start dev work.
  • Your visa representative will configure your credentials and confirm upon completion. 
  • Cient to complete the implementation of all the APIs.
  • Once the credentials are configured, implementors are required to complete certification testing. 

3. Promotion to Production

  • Your visa representative will guide you through the process of submitting the Going Live step 
  • Once approved your visa representative will configure your credentials and confirm upon completion  
  • Once onboarded in production, Iissuers can start live proving before launch.

Next Steps

  • Review the different Issuer use cases.
  • If you need help on integrating with APIs simply ask a question on our Community forum or reach out to [email protected]. 
  • Please refer to this tutorial to quickly enable Message Level Encryption for our APIs.
  • Contact your Visa representative to get started with implementing Click to Pay.

Contact Us

Please reach out to [email protected]

Disclaimer: This page is provided on an “as is, where is” basis, “with all faults” known and unknown. This page could include technical inaccuracies or typographical errors. Changes are periodically added to the information herein: these changes will be incorporated in new editions of the document. VISA may make improvements and/or changes in the product(s) and/or the program(s) described in this document at any time. Where potential future functionality is highlighted, visa does not provide any warranty on whether such functionality will be available or if it will be delivered in any particular time. To the maximum extent permitted by applicable law, visa explicitly disclaims all warranties, express or implied, regarding the information contained herein, including any implied warranty of merchantability, fitness for a particular purpose, and non-infringement.

If you have technical questions or questions regarding a Visa service or questions about this document, please contact your Visa representative.