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Overview

Visa Click to Pay is a secure and convenient payment solution that simplifies online transactions by eliminating the need for cardholders to manually enter their card details during checkout. By leveraging Visa network tokens and dynamic cryptograms, Click to Pay enhances security and reduces the risk of fraud in e-commerce transactions. Enfuce provides backend integration for issuers to support Visa Click to Pay, enabling seamless enrollment, lifecycle management, and customer support functionalities through API services. Enfuce ensures secure API interactions but does not handle UI or app-level integrations, which remain the responsibility of the Enfuce customer. While Visa Click to Pay is not a new feature — and some cardholders may already be enrolled through Visa’s existing services — Visa now requires issuers to actively enable Click to Pay enrollment directly within their own digital channels, such as online banking or mobile apps. This change is driven by Visa’s updated mandate and aims to offer a more seamless and user-friendly experience for cardholders. All API calls to Visa Click to Pay (except “Update customer status with customerID to C2P”) require the Visa Business Identifier (BID), which ensures correct routing of requests, especially when multiple BINs are associated with different BIDs. Enfuce customers must provide this field explicitly in all relevant Click to Pay API requests.

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Key features

  • ✅ Seamless checkout: One-click payment across merchants and devices
  • 🔒 Enhanced security: Tokenisation + risk-based authentication
  • 🔁 Lifecycle management: Update and manage cardholder details via APIs
  • 📈 Higher authorisation rates: Fewer declines and abandoned checkouts

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Key values for cardholders

  • ⚡ Faster checkout
  • 📱 Multi-device access
  • 🧾 Hassle-free management: Update details or opt-out anytime

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Implementation considerations

  • Enfuce must explicitly enable Visa Click to Pay APIs. If you are a customer of Enfuce, you can request our Customer Support to enable the APIs by submitting a ticket via the Enfuce Support Portal. The APIs will be ready for testing at the beginning of September. Enfuce will inform you when testing can be started.
  • Coordinate with Visa to enable the service for your BIN or through Enfuce depending is the BIN sponsored by Enfuce
  • Follow Visa’s recommendations, and ensure:
    • 📣 Cardholder communication is planned
    • 📄 Updated Terms & Conditions
    • ❌ Add opt-out mechanism via API
    • 💳 Card art includes the Click to Pay icon (see Visa Access → Product and Brand Standards → Elements).Visa has communicated that existing card stock does not require updates but the new card stock orders should have the Visa Click to Pay logo included. Also digital card should have the Visa Click to Pay logo.

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How to integrate Visa Click to Pay with Enfuce APIs

Enfuce provides APIs that enable Enfuce customers to enroll cardholders and manage Click to Pay directly from their systems. A cardholder and card can be enrolled in Visa Click to Pay after the cardholder has been created by using Enfuce Customer, Account, and Card APIs.
Note: All Visa Click to Pay API requests (except “Update customer status with customerID to C2P”) require the customerBID field in the request body. This value must match the Visa Business Identifier (BID) associated with the issuer’s BIN(s) being used. The customerBID ensures proper routing of enrollment and lifecycle events. For detailed schema definitions, refer to the API documentation.
The following steps describe how to integrate Visa Click to Pay as part of your offering for your cardholders.

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Enroll a cardholder and their payment card

To get started, the issuer needs to enroll a cardholder and their card into Click to Pay. This ensures that Visa receives the required cardholder and card details.
  • Call the Customer Enrollment API to send customer details to Visa Click to Pay.
  • API fetches customer and card data from the Enfuce system.
  • API enrolls the cardholder and their payment instrument in Visa Click to Pay.
  • Optionally override the customer’s email and phone number if needed.
Note: When enrolling a corporate card, it’s important to ensure that the card is linked to a private customer. Enfuce automatically fetches cardholder details—such as name, locale, email, and phone—from the linked private customer. If no private customer is linked, enrollment is not possible. You can override the email and phone using the Enfuce API if needed.

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Add a card separately to Click to Pay

If a card needs to be added to an existing Click to Pay customer profile, the issuer must call the Card Enrollment API.
  • Check if the customer is already enrolled.
  • Call the Card Enrollment API with the card details.
    • API call fetches card details from Enfuce system.
    • Enrolls the specified card in Visa Click to Pay.
The following customer data for the card enrollment is automatically synced:
  • Cardholder’s name
  • Cardholder’s billing address

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Check Click to Pay enrollment status

You can use the Get customer with customerID from C2P API to verify whether a cardholder is enrolled in Click to Pay and what data is sent to Visa.

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Update cardholder information

If a cardholder changes their email, phone number, or address, you can update their Click to Pay profile by calling Update customer with customerID to C2P API. This API updates a customer’s profile details in Visa Click to Pay. It does not automatically sync updates made in the Enfuce system to Visa Click to Pay. If a customer updates their information using the Enfuce Customer API, they must also call this API to update the information in Visa Click to Pay.

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Synced customer data

When this API is called, the following fields are updated in Visa Click to Pay:
  • email
  • locale
  • phone
  • lastName
  • firstName
  • middleName
  • countryCode

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Override capability

This API allows overriding the following fields via the request:
  • email: Can be overridden with a new email address.
  • phone: Can be overridden with a new phone number.
If no override is provided, the values from the Enfuce system are used.

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Delete card from Click to Pay

If a card needs to be removed from a Click to Pay customer profile, the issuer must call the Delete Card with cardID from C2P API.

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Opting out from Click to Pay

If a cardholder wants to opt out completely from Visa Click to Pay, this can be done by calling the Delete Customer with customerId from C2P API. This removes the cardholder from Visa and also deletes linked cards.

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Replace an expired or lost card

When a cardholder receives a new card, it must be updated in Click to Pay to ensure a seamless payment experience. Card lifecycle updates - such as expiry date changes from reissues or new card details from replacements - are handled automatically via Visa’s VAU (Visa Account Updater) service.

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Update customer status

Use endpoint Update customer status with customerID to C2P to temporarily enable or disable a customer in Click to Pay.
  • true = the customer is active and can use Click to Pay
  • false = the customer is disabled and cannot use Click to Pay
This function can be used to temporarily block a customer from using Click to Pay. This may be needed, for example, during a fraud investigation, if the customer has asked to restrict data processing, or for any other reason defined by the issuer.

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