Online shopping should feel simple, but it is not. You land on a site, fill in card details, answer an OTP, and then worry if your data is safe. That is where Click to Pay comes in. Click to Pay reduces the number of steps you take at checkout. It keeps your card details away from merchant systems.
Let’s explore what Click to Pay is and how it works with passkeys to make payments both safer and faster.
What is Click to Pay
Click to Pay is a single-click online checkout method. It is supported by major card networks. Instead of typing your card number each time, you create a secure profile with your payment credentials. When you see the Click to Pay icon at a merchant, the network supplies a tokenised version of your card. The merchant never stores your raw card data. So that means faster checkouts and fewer places where your payment information can be exposed.
Why Click to Pay Matters For You
- Speed, security and convenience: When your payment details are saved in a secure network profile and turned into tokens for checkout, you don’t have to enter your card details every time. This makes buying again easier and reduces the chances of leaving the cart midway.
- Stronger fraud protection: Click to Pay uses tokenisation and dynamic cryptograms for each transaction. That makes intercepted data useless to criminals. Since the merchant does not store your card details, the risk of data leaks is much lower.
- Consistency: Click to Pay works with many online stores and card networks. Once you set up your profile, you can use it on different websites without typing your card details again.
How Click to Pay Works
- Create a profile: You register a Click to Pay profile with an email and a phone number. The network may send a verification code to confirm your identity.
- Add a card: You can add cards via a network site, your bank or at a participating merchant when you shop. The card is tokenised and stored by the network.
- Shop and pay: At checkout, you choose Click to Pay. It confirms your choice and complete authentication. The payment proceeds without you entering full card information.
- Remember devices: If you allow it, the service remembers familiar devices so future purchases are one click.
Passkeys
Passkeys are the next step. They let you authenticate using the same method you use to unlock your device. That could be a fingerprint, face scan or a device PIN. Passkeys follow FIDO standards and are resistant to online theft.
When passkeys are combined with Click to Pay, you do not type passwords or OTPs. You tap your biometric and the authentication happens on the device. That reduces friction for you and raises the difficulty for attackers.
Benefits You Will Get
- Faster checkout: Fewer fields, steps and interruptions
- Lower cart abandonment: Customers are less likely to leave before paying
- Better security: Tokenisation plus passkey authentication reduces fraud risk
- Cross-device convenience: Passkeys and tokens work across browsers and platforms where supported
- Liability shift: Authentication through token services moves chargeback liability away from the merchant and on to the issuer
How a Technology Service Provider (TSP) Works
Implementing Click to Pay and passkeys can be tricky if you run a site with legacy systems. That is where a TSP can help. A provider experienced in payments will integrate Click to Pay into your checkout, manage token requests to networks, and make sure authentication flows work reliably across devices. They also help with compliance requirements such as PCI DSS and GDPR. This helps you keep your focus on serving customers.
Practical Tips To Use Click to Pay
- Register using an email you check and a phone number you control. That avoids sign-in problems later.
- Add only cards you intend to use. You can remove cards from your profile at any time.
- Enable device recognition only on personal devices, which keeps one-click convenience safe.
- Use passkeys where available, as they make authentication quicker and more resilient to fraud.
Looking Ahead
Click to Pay with passkeys points to a future where passwords become optional for payment authentication.
- For customers: Fewer interruptions at checkout and more confidence that your data is safe.
- For merchants: Higher conversion and simpler compliance.
The combination of network tokenisation and on-device biometric authentication is the natural next step in making online card payments both seamless and secure.
Summing Up
Click to Pay with passkeys makes online payments as quick and safe as tapping your card in store. It saves you from entering card details each time and keeps your information secure. As more merchants use it, paying online will become faster, safer and easier for everyone.
