Click to Pay

In today's fast-paced digital world, businesses are constantly seeking innovative ways to streamline operations and enhance customer experiences. One area that has gained significant traction is the development of single click checkout. These solutions are not just for consumers; they hold immense potential for B2B brands as well.

Imagine a world where transactions are seamless, secure, and tailored to your business needs. In this post, we will explore how B2B brands can unlock the power of Click to Pay, the benefits they offer, and the need to implement it.

Click to Pay: The Future of Seamless Online Transactions

The digital revolution has transformed the way we shop, stream, and interact with services. Ecommerce has made next-day delivery the norm, and entertainment is available at the click of a button. However, not all aspects of digital life are equally effortless.

One persistent frustration for online shoppers is the need to repeatedly enter card details, addresses, and passwords when making a purchase. Fortunately, Click to Pay is changing that by providing a fast, seamless, and secure way to complete online transactions. With Visa and Mastercard’s mandates rolling out across various regions, issuers must act quickly to ensure compliance and enhance the customer experience.

What is Click to Pay?

Click to Pay is designed to simplify online payments, offering users a streamlined checkout experience without the need to enter credentials manually. Once enrolled, consumers can complete transactions with just a few clicks, replicating the ease of tap-and-go payments in physical stores. No passwords, no card number entry—just a hassle-free way to pay.

Behind the scenes, Click to Pay is powered by Visa and Mastercard’s EMV Tokenization platform, which replaces sensitive card details with secure digital tokens. Instead of transmitting a 16-digit card number, a unique network token is used across the payment ecosystem, ensuring security and reducing fraud risks. For each transaction, an additional cryptographic token is generated, adhering to the 3DS 2.0 protocol for authentication.

Key Deadlines for Issuers

Visa and Mastercard have mandated Click to Pay adoption across several regions, meaning issuers must ensure their cards support this feature within specified timelines.

While some deadlines have already passed, others are forthcoming. For instance, in 2025, Mastercard has set a compliance deadline of January 24, and Visa has set a deadline of April 18. We understand that some issuers have an extension with the scheme, but most will expire this year. These dates highlight the urgency for issuers to prepare for Click to Pay implementation.

Those who have yet to prepare must act fast to meet these deadlines and avoid non-compliance and hefty fines.

The Advantages of Tokenization

Tokenized payments bring benefits to all parties involved—consumers, merchants, and issuers alike.

• For Consumers: A frictionless, secure, and efficient checkout experience without the need to remember credentials or enter sensitive details.

• For Merchants: Reduced cart abandonment, improved conversion rates, and a more compelling payment experience that drives customer loyalty.

• For Issuers: Stronger fraud prevention, enhanced customer security, and an opportunity to provide a centralized platform for users to manage consent and control their payment data.

Issuers who have yet to implement tokenization should prioritize it immediately, as it not only ensures compliance but also strengthens consumer trust and engagement.

How DPG Can Support Your Click to Pay Strategy

At DPG, we specialize in providing robust tokenization solutions for banks and financial institutions looking to implement secure mobile wallets, contactless payments, and EMV Secure Remote Commerce (SRC) experiences.

We are processor agnostic, we can support Tokenization and/or Click to Pay for your programme even if you work with another processor. All we need to do is to connect the endpoints to pull the data. 

Our comprehensive APIs make it easy for issuers to integrate tokenization without requiring deep technical expertise. With fast implementation and ongoing maintenance, we ensure your platform remains up to date with the latest security standards and Token Service Provider (TSP) updates.

By partnering with DPG, you can streamline your compliance process, enhance your customers’ payment experience, and reduce fraud risks - all while accelerating your time to market.

Contact us today to learn how DPG can help you develop a robust tokenization strategy and meet Visa and Mastercard’s Click to Pay mandate seamlessly.

By understanding the benefits and implementing the right strategies, B2B brands can create a seamless and secure payment experience that meets the needs of their clients. The future is bright for those who choose to innovate and adapt.