Click to Pay is a secure, streamlined online checkout solution that makes e‑commerce as easy as tapping a card at point-of-sale devices. It is an implementation of the EMV Secure Remote Commerce (SRC) standard—a universal “Click to Pay” button that supports Visa, Mastercard, AmEx, and Discover across participating websites .

Click to Pay brings the contactless in-store experience online: faster, safer, password-free, and more secure. It's part of a broader industry shift toward a unified, tokenized, and frictionless approach to digital commerce across brands and devices.

The card networks support Click to Pay across major regions: North America, Europe, Asia-Pacific, Latin America, and Central and Eastern Europe, Middle East, and Africa (CEMEA).

Click to Pay services Pismo supports

• Visa
• Mastercard (in development)
• Other card networks' Click to Pay services to be added in the future

How it works for consumers

• Look for the Click to Pay icon (double right‑arrow) during checkout.
• Identify yourself using your email or phone number; a one‑time passcode (OTP) is sent for authentication.
• Select which of your enrolled cards to use and complete the purchase—no re‑typing necessary.

Benefits for consumers and merchants

For consumers

• One-time enrollment, reusable tokens
• No need to re-enter 16-digit numbers
• Enhanced security via OTPs and tokens

For merchants

• Reduced cart abandonment and higher conversions
• Simpler integration thanks to EMV‑standard SDKs
• Lower fraud, fewer false declines, streamlined UX

Security and convenience

• Uses tokenization, so merchants never see a consumer's actual card details .
• Fraud rates are significantly lower since real card numbers aren't shared.
• Checkout is faster (saves ~20 seconds) and authorization rates are often 4–10% higher.

Using Pismo's Click to Pay API

The Pismo platform provides a full-featured Click to Pay API .

Get authorized for Click to Pay

Before using Pismo's API, an issuer needs to contact their card network and fulfill all necessary requirements to enroll customers in the Click to Pay service. Once authorized, you can use Pismo's API to start enrolling and managing your card customers.

Key API endpoints and sample payloads

Shown here are Click to Pay enrollment endpoints and sample payloads. There are also get, update, and delete Click to Pay endpoints.

Enroll customer and card in Visa Click to Pay

Enroll customer and card in Visa CTP —Enroll a customer and card in Visa's Click to Pay service.

curl -X POST "https://gw-pci.pismolabs.io/cards-tokenization/v1/clicktopay/visa/enroll/customer" \
-H "Authorization: Bearer YOUR_ACCESS_TOKEN" \
-H "Content-Type: application/json" \
-H "x-tenant: YOUR_TENANT_ID" \
-H "x-customer-id: YOUR_CUSTOMER_ID" \
-H "x-cid: YOUR_CORRELATION_ID" \
-d '{
  "owner_bid": "1000052",
  "card_information": {
    "card_id": 6743052,
    "billing_address": {
      "city": "San Francisco",
      "state": "CA",
      "postal_code": "94105",
      "country_code": "USA",
      "address_line1": "1000 Market Street",
      "address_line2": "Building 56",
      "address_line3": "Suite 101"
    }
  },
  "customer_information": {
    "first_name": "Alex",
    "last_name": "Miller",
    "emails": ["[email protected]"],
    "phones": ["+55 (45) 99999-9999"],
    "locale": "en-US",
    "national_identifiers": [{
      "type": "NATIONAL_IDENTITY",
      "value": "A123456"
    }],
    "consent": {
      "time_of_consent": "2020-05-05T12:12:12.000Z",
      "version": "1.0",
      "presenter": "Acme Bank"
    }
  }
}'

Enroll card in Visa Click To Pay

Enroll card in Visa CTP —Enroll a customer card in Visa's Click to Pay service.

curl -X POST https://gw-pci.pismolabs.io/cards-tokenization/v1/clicktopay/visa/enroll/card \
-H "Authorization: Bearer YOUR_ACCESS_TOKEN" \
-H "Content-Type: application/json" \
-H "x-tenant: YOUR_TENANT_ID" \
-H "x-customer-id: YOUR_CUSTOMER_ID" \
-H "x-cid: YOUR_CORRELATION_ID" \
-d '{
  "card_id": 6743052,
  "owner_bid": "1000052",
  "billing_address": {
    "city": "San Francisco",
    "state": "CA",
    "postal_code": "94105",
    "country_code": "USA",
    "address_line1": "1000 Market Street",
    "address_line2": "Building 56",
    "address_line3": "Suite 101"
  }
}'

Click to Pay event

All non-GET Click to Pay endpoints generate a Click to Pay event generated event.