Online shopping has become part of our daily lives, but besides its supporting role in our dynamic living, it can sometimes become frustrating. Customers can abandon their online purchase due to the annoying security check and time-consuming payment process. In fact, over 75% of customers are likely to abandon their shopping carts and choose merchants that prioritise both convenience and security. This shopping cart abandonment trend, which leaves no chance to convert browsing into sales, poses a significant challenge for online retailers.
This is exactly why Click to Pay was created. It aims to streamline the checkout process, making it intuitive and accessible for diverse customers. Focusing on simplicity and security, it transforms and modernises online payments, tackling cart abandonment, and strengthening customer loyalty.
Those dealing with ecommerce need to remember that it’s not just about completing a transaction but also about creating a seamless journey that encourages customers to return repeatedly.
Today’s consumers demand swift, secure, and hassle-free checkout experiences. Click to Pay emerges as a global payment solution. Unlike platform-specific solutions related to worldwide known brands, Click to Pay operates without advertising purposes or additional fees. Its goal is to simplify card payments by replacing the manual card entry with just selecting a card from the consumer’s Click to Pay profile. It is embedded in the manual card entry flow.
The market results show a significant shift in payment efficiency — a striking 4% boost in authorisation rates with 20 seconds faster checkout than traditional manual card entry. Even more impressive, those who use Click to Pay show three times lower fraud risk. For businesses looking to thrive in the digital economy, Click to Pay is a competitive necessity, delivering tangible benefits while significantly enhancing customers’ trust and safety.
Speaking about trust, security, and flow, the solution incorporates security through tokenization, so that sensitive data remains with trusted banks, significantly reducing fraud risks through sophisticated security. It encrypts payment information, thus reducing the risk of card details being stolen or shared with third parties.
For modern consumers who expect a seamless experience across all devices and standardized flow across all merchants, Click to Pay is the solution that delivers password-free guest checkout and automatic device recognition. Based on the EMVCo Secure Remote Commerce specification, it is a global standard that delivers the same experience for all card brands and ecommerce stores.
The system streamlines the process by storing payment cards and address data in a centralised profile, making transactions effortless and secure. In addition, it reduces checkout complexity, enables quick authorisation steps, and allows the use of multiple cards from different networks in one profile.
The purpose of Click to Pay is to automatically recognise the consumer. If successful, the consumer’s cards are found and presented. This allows the consumer to select from multiple card choices and make a successful transaction when shopping on the same device he chose to be remembered on.
For PSPs and merchants, the enabler choice is extremely important. Partnering with an integration solution provider that offers a card network-agnostic solution with 24/7 availability and reliability allows you to improve the current-year business plan. Implementing ready Click to Pay SRCI with multiple card network support reduces the integration complexity. G+D Netcetera’s integration takes approximately eight weeks and offers integration across all major card networks through a PCI-DSS-certified service. It is a certified and available package with VISA, Mastercard, and AMEX, which results in fast go-live for partners with the lowest possible effort for the merchant or PSP’s implementation and integration.
Having a card network-agnostic, a highly flexible and configurable white-label solution that can be quickly and seamlessly integrated into any digital shopping is the fastest and easiest way to enter the market and reap its benefits.
The customer-centric approach extends beyond just successful transactions and moves to sustainability, too. G+D Netcetera has committed to ESG principles across its operations and product development. As a result, their Click to Pay SRCI product has been ranked in the top 20% of sustainable payment solutions by GoCodeGreen. Based on the Software Carbon Intensity metric, this achievement highlights G+D Netcetera’s environmental commitment and efficiency sets new standards in the digital payments industry. It demonstrates how companies can make parallel prioritisation of the customer experience, security, merchant support, and environmental stewardship.
Click to Pay promises to reshape the digital payments ecosystem. With upcoming features like passkey integration and the planned global reach, we can talk about evolving dynamic technologies that will bring even more benefits in the future. The push for worldwide adoption, particularly in Europe through card network mandates, signals a shift towards a more unified and secure payment ecosystem.
Suzana Kordumova is a secure digital payments expert with over 15 years of experience at G+D Netcetera. Currently serving the Payments & Identity division, she specialises in digital commerce solutions, including Click to Pay, 3DS SDK, and Delegated Authentication with Passkeys. She leads product strategy and implementation for merchants, PSPs, and ecommerce platforms, focusing on secure and seamless payment experiences. Her expertise stems from a strong technical background, having served as a Senior Software Engineer and iOS Team Lead for over a decade.
G+D Netcetera is a pioneering Swiss software company with forward-thinking digital solutions across the banking, payment, mobility, healthcare, and publishing industries. G+D Netcetera creates growth opportunities for businesses by pushing the boundaries of digital possibilities. With its expertise and over 25-year track record, the company develops future-proof and scalable software that creates value for its clients and consumers. G+D Netcetera is an expert at delivering seamless user journeys within highly secure and privacy-driven environments. Since 2020, the company has been the digital powerhouse within the security tech group Giesecke+Devrient (G+D) as Trusted Software division.
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