What is Issuer-Offered Click to Pay?

Click to Pay is now offered as a standard feature of eligible Visa cards. The cardholder manages their Click to Pay profile directly with their issuer – maintaining their details in an intuitive and convenient way, just like other services from their bank.

What is Visa requiring of issuers?

Visa is requiring all active Visa Token Service participants to provide Click to Pay as an Issuer-offered service and as a pre-activated standard feature of all Visa cards.

What does implementation look like?

Implementation involves three key stages for issuers and/or processors/third parties implementing on behalf of the issuers. First, during Pre-Implementation, you’ll receive a solution overview and Issuer Guide to help you understand the requirements, and your Visa representative is available to answer any questions. Next comes API Implementation and Testing, where your development team begins integrating the APIs based on the provided specifications. Once complete, your Visa rep will configure credentials and guide you through certification testing. Finally, in the Promotion to Production phase, you’ll be supported through the Going Live submission process. After approval and onboarding, you’ll start live proving in preparation for full launch.

Benefits of Click to Pay being issuer-offered

Activating Click to Pay as a card level feature removes friction to enrolment and when the issuer activates the card by enrolling it into Click to Pay, the cardholder benefits from more convenient and secure payments. One contract: The issuer owns the contractual relationship with their cardholders, and cardholders will agree to the Issuer's Terms and Conditions (T&Cs) for Click to Pay, just as they do for other features of their Visa cards. Comms you trust: the issuer owns every cardholder touch point. Lifecycle management services is a suite of backend APIs for the Issuer to call/ update as required.

Where can issuers go to get started?

Issuers should contact their Visa representative.

Click to Pay

The digital commerce challenge

Online shopping’s booming – but the checkout? That can still be a sticking point for your cardholders, especially for guest users.

Simplify online shopping with Click to Pay

When every second counts, delivering a fast, secure, and seamless checkout experience for your cardholders isn’t a luxury. It’s a must.

Want to see how it works? Watch below.

3 key benefits for issuers like you

Click to Pay can help you drive more payments, more security and more loyalty.

Click to Pay is already adopted by leading UK merchants and issuers

8 million consumers are already enrolled
...and counting!⁶

Simple integration with your existing systems

With a single integration, Click to Pay brings the convenience
and security of face-to-face contactless payments  to e-commerce.
Here’s how the process works for issuers connecting to the Click to Pay API.

Pre-Implementation

You’ll be provided with a solution overview and Issuer Guide. If you’ve got any questions about requirements or best practices, you can reach out to your Visa representative for help.

API Implementation and Testing

After reviewing the specifications, your development team can start implementing the APIs. Once completed, your Visa representative will configure your credentials and you can complete certification testing.

Promotion to Production

You’ll be guided through the Going Live submission process by your Visa representative. Once you’re approved and onboarded to production, you’ll be able to start live proving ahead of your launch.

Start offering Click to Pay to eligible cardholders as a card-level feature today

Contact your Visa representative to join the growing list of issuers offering Click to Pay and provide your cardholders with a faster, more secure way to check out online.

: Click to Pay is now offered as a standard feature of eligible Visa cards. The cardholder manages their Click to Pay profile directly with their issuer – maintaining their details in an intuitive and convenient way, just like other services from their bank.
: Visa is requiring all active Visa Token Service participants to provide Click to Pay as an Issuer-offered service and as a pre-activated standard feature of all Visa cards.
: Implementation involves three key stages for issuers and/or processors/third parties implementing on behalf of the issuers.

First, during Pre-Implementation, you’ll receive a solution overview and Issuer Guide to help you understand the requirements, and your Visa representative is available to answer any questions.

Next comes API Implementation and Testing, where your development team begins integrating the APIs based on the provided specifications. Once complete, your Visa rep will configure credentials and guide you through certification testing.

Finally, in the Promotion to Production phase, you’ll be supported through the Going Live submission process. After approval and onboarding, you’ll start live proving in preparation for full launch.
: Activating Click to Pay as a card level feature removes friction to enrolment and when the issuer activates the card by enrolling it into Click to Pay, the cardholder benefits from more convenient and secure payments. 

One contract: The issuer owns the contractual relationship with their cardholders, and cardholders will agree to the Issuer's Terms and Conditions (T&Cs) for Click to Pay, just as they do for other features of their Visa cards.  

Comms you trust: the issuer owns every cardholder touch point. Lifecycle management services is a suite of backend APIs for the Issuer to call/ update as required.
: Issuers should contact their Visa representative.

Sources

1. The 2025 State of Digital Experience Report, Conviva
2. E-commerce Consumer Research, Ipsos & Visa, Jan-Feb 2025, n=6,000 (UK, FR, DE, IT, ES, PL).
3. Click to Pay Visa pilot data, 2023.
4. The Future is Here: The methodologies behind Visa’s economic scenarios of the future. Visa Navigate. August, 2024.
5. Global Risk Team, Visa Net, CTP Fraud Rates, Oct 24‌- Feb 25‌.
6. Visa Net, Europe Click to Pay net non-expired cards in Europe, 2025.
7. Click to Pay Consumer Research, Ipsos and Visa, 2023.

Case studies, comparisons, statistics, research and recommendations are provided “AS IS” and intended for informational purposes only and should not be relied upon for operational, marketing, legal, technical, tax, financial or other advice. Visa Inc. neither makes any warranty or representation as to the completeness or accuracy of the information within this document, nor assumes any liability or responsibility that may result from reliance on such information. The Information contained herein is not intended as investment or legal advice, and readers are encouraged to seek the advice of a competent professional where such advice is required. All brand names, logos and/or trademarks are the property of their respective owners, are used for identification purposes only, and do not necessarily imply product endorsement or affiliation with Visa.