E-commerce has reached new heights around the world, as more consumers are going online to make secure, touch-free purchases across various merchants and platforms. Now, it’s more important than ever that the online checkout experience is seamless and consistent across all types of digital channels and cards. American Express, Discover, Mastercard and Visa announced they are each beginning technical preparations for global expansion of the Click to Pay online checkout – based on the EMV® Secure Remote Commerce industry standard – in additional geographies including Australia, Brazil, Canada, Hong Kong, Ireland, Kuwait, Malaysia, Mexico, New Zealand, Qatar, Saudi Arabia, Singapore, United Arab Emirates and the United Kingdom, with others to follow.
Click to Pay aims to make the online checkout simple and secure for consumers across web and mobile sites, mobile apps and connected devices by replacing time-consuming key entry of personal account numbers and information at checkout. The advanced digital checkout solution mirrors the consistent, interoperable checkout experience in physical stores – with one terminal to accept all card payments. Consistent with the goal of interoperability, the vision for the future is that Click to Pay will provide consumers a streamlined experience across any digital checkout environment or network.
American Express, Discover, Mastercard and Visa announced the universal digital checkout solution in the United States in October 2019. Since then, more than 10,000 merchants have been enabling their customers with the option to click to pay including Cinemark, Crate & Barrel, Expedia, Fresh Direct, Jo-Ann Fabric and Crafts, Joseph A. Bank, the marketplace division of Rakuten U.S., Saks Fifth Avenue and SHOP.com, among others. Additional notable merchants around the world that are committed to supporting Click to Pay include Emirates, Mitre 10 (New Zealand) Ltd., Noel Leeming, 1-day, Pizza Hut Australia, The Warehouse, Torpedo7, Ticketek and Warehouse Stationery. For merchants, this checkout solution can help reduce friction during the process of purchasing goods and services, making donations or when manual card entry has historically been needed for online checkout. Merchants can now get access to a single virtual terminal for multiple card brands, meaning a simpler and smoother overall digital checkout experience for consumers.
“Right now, more than ever, demand for fresh food and grocery delivery is at an all-time high, with many new customers trying FreshDirect for the first time,” said Tammy Berentson, chief marketing officer, FreshDirect. “For these new customers, as well as for our loyal following, Click to Pay offers confidence that their transactions will be simple, efficient and secure.”
To grow acceptance beyond existing merchants, each network is beginning work with its payments service providers, gateways and acquirers across the ecosystem to prepare for a streamlined online checkout that supports all participating networks. In the U.S., partners including ACI Worldwide, Aurus, Blackbaud, BlueSnap, Braintree (a PayPal Service), Cybersource, Global Payments, Mastercard Payment Gateway Services and Square are providing their merchants with the option to enable Click to Pay. Additional support for the expansion of Click to Pay comes from international partners including Checkout.com, Noon Payments, SafeCharge and Windcave, amongst others, as the networks roll it out in new geographies.