Card giants take digital checkout experience global

With e-commerce and digital payments increasingly important in the B2B payments space, the consistency of the online experience across all types of digital channels and cards is important. To address this, global card companies American Express, Discover, Mastercard and Visa have announced they are each beginning technical preparations for global expansion of the Click to Pay online checkout – based on the EMV Secure Remote Commerce industry standard. Having been launched in the US in October 2019, the card giants are now rolling out the solution to Australia, Brazil, Canada, Hong Kong, Ireland, Kuwait, Malaysia, Mexico, New Zealand, Qatar, Saudi Arabia, Singapore, United Arab Emirates and the UK, with other countries to follow.

Click to Pay aims to make the online checkout simple and secure across web and mobile sites, mobile apps and connected devices by replacing time-consuming key entry of personal account numbers and information at checkout. The advanced digital checkout solution mirrors the consistent, interoperable checkout experience in physical stores – with one terminal to accept all card payments. Consistent with the goal of interoperability, the vision for the future is that Click to Pay will provide customers a streamlined experience across any digital checkout environment or network.

To grow acceptance beyond existing merchants, each network is beginning work with its payments service providers, gateways and acquirers across the ecosystem to prepare for a streamlined online checkout that supports all participating networks. In the US, partners including ACI Worldwide, Aurus, Blackbaud, BlueSnap, Braintree (a PayPal Service), Cybersource, Global Payments, Mastercard Payment Gateway Services and Square are providing their merchants with the option to enable Click to Pay. Additional support for the expansion of Click to Pay comes from international partners including Checkout.com, Noon Payments, SafeCharge and Windcave, amongst others, as the networks roll it out in new geographies.