Visa Click to Pay is set to redefine e-commerce by offering your cardholders a faster, more secure, and streamlined online checkout experience. Starting from April 2025, as part of Visa’s mandate, all Visa consumer cards are required to have this feature, providing a solution that simplifies digital payments and strengthens fraud protection through Visa’s advanced network tokenisation.

This innovative feature eliminates the need for manual card entry during e-commerce transactions, bringing security and convenience on par with chip and contactless payments. Enfuce, as your processing partner, will facilitate the integration by offering suited APIs, enabling your cardholders to manage their Click to Pay preferences directly through your app.

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Visa Mandate for Click to Pay

As part of Visa’s commitment to enhancing e-commerce security, the Visa mandate requires that all consumer Visa cards supporting e-commerce transactions be enabled for Click to Pay by April 2025. However, commercial cards and cards that do not support electronic commerce transactions are excluded from this mandate.

We’ve already added an initial set of Q&A questions and answers to this page to help you get started. In January, we will release additional questions and answers based on feedback from our customers and continue updating the Q&A section as we progress through the implementation journey. Stay tuned for regular updates and new resources to ensure a seamless rollout!

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Empowering Seamless Online Payments with Visa Click to Pay - Q&A

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General Understanding

  1. What is Visa Click to Pay, and how does it simplify the online checkout process?

Visa Click to Pay is an online payment solution that allows cardholders to complete transactions without manually entering card details. It uses tokenization for secure processing, offering a simplified and consistent checkout experience across merchants​​.

  1. How does Visa Click to Pay enhance the security of online transactions compared to traditional card entry?

Click to Pay eliminates the need for manual card data entry, using Visa network tokens and dynamic cryptograms for each transaction. This reduces the risk of card-not-present fraud and brings e-commerce security in line with Chip and Contactless technologies​​.

  1. Is Visa Click to Pay available for all types of Visa cards?

Visa Click to Pay is mandated for consumer Visa cards used in e-commerce. However, it is not required for commercial cards or cards that do not support electronic commerce transactions​​.

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Enrollment and Activation

  1. How can cardholders enroll their Visa card in Click to Pay?

Cardholders can enroll through their app. Customers will use Enfuce-provided APIs to facilitate this enrollment​​.

  1. What should cardholders do if they want to opt out of Click to Pay after enrollment?

Cardholders can opt out at any time through their app. Customers will use Enfuce-provided APIs to enable this opting-out.

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Managing Preferences and Checkout Integration

  1. Can cardholders manage their Click to Pay preferences directly through their banking app?

Yes, customers must provide options for cardholders to manage their Click to Pay preferences, including updating profile details, opting out, or removing cards​​. Customers will use Enfuce-provided APIs to enable these actions.

  1. What details can be updated in a Click to Pay profile, and how?

Cardholders can update details such as name, email, phone number, and address via their issuer’s app. Customers will use Enfuce APIs to sync these updates to Visa​​.

  1. How is Visa Click to Pay integrated into e-commerce merchant checkouts?

Merchants participating in the Click to Pay program display the Click to Pay icon at checkout. Cardholders can select their enrolled card, authenticate, and complete transactions seamlessly​​.

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Technical and Implementation

  1. What is the role of APIs in implementing Visa Click to Pay for Enfuce customers?

Enfuce will integrate with Visa’s APIs to provide APIs that Enfuce customers can use to enroll cards, manage profiles, and handle lifecycle events like updates and removals. These APIs are critical for integrating Click to Pay features into customers’ apps​​.

  1. Will issuers need to update the card designs to include the Visa Click to Pay icon, and if so, by when?

New card stock orders after April 2025 must include the Click to Pay icon. Existing card stocks do not need updating​​.

  1. When will Enfuce APIs be available for testing?

The aim is to have the APIs ready for testing by the end of February 2025. Enfuce will provide regular updates if there are any changes to the timeline.

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User Communication and Support

  1. What kind of communications will cardholders receive about Click to Pay activation?

Issuers must inform cardholders about Click to Pay through multiple channels at least 30 days before activation. Communications should highlight benefits, provide opt-out options, and explain profile management​​.

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Timelines and Compliance

  1. What is the timeline for the rollout of Visa Click to Pay, and when will APIs be available for integration?

Enfuce APIs will be available at the end of February 2025, and the service must be fully implemented by April 2025 for applicable cards in the EU and the UK​​.

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