Click to Pay

Accept Visa and Mastercard Click to Pay for one-click checkout for returning cardholders.

Overview

Click to Pay is a card network-backed checkout experience developed by Visa and Mastercard (under the EMVCo SRC standard). It enables returning cardholders to complete purchases with a single click, without re-entering card details. Unlike Apple Pay or Google Pay, Click to Pay does not require a specific device or app — it works across all browsers and devices.

How It Works

1. The customer enters their email address at checkout.
2. Click to Pay recognizes the email and retrieves enrolled card profiles.
3. The customer selects a stored card and confirms with a one-time passcode (OTP).
4. A payment token is generated and passed to Yuno for processing.
5. No card numbers are transmitted — only tokenized credentials.

Click to Pay works for cardholders who have previously enrolled their cards with Visa or Mastercard’s Click to Pay service, either directly or through their issuing bank.

Prerequisites

1. Enable Click to Pay

   Activate Click to Pay in your Yuno Dashboard under Settings > Digital Wallets > Click to Pay.

2. Supported Networks

   Ensure your payment provider supports Visa and/or Mastercard tokenized transactions.

3. HTTPS Required

   Your checkout page must be served over HTTPS.

Integration with Full Checkout SDK

When enabled, the Full Checkout SDK automatically detects returning Click to Pay users and presents the streamlined flow.

const checkout = yuno.checkout({
  countryCode: "US",
  currency: "USD",
  amount: "75.00",
  checkoutSession: "session_ctp456",
  customer: {
    email: "[e-mail]" // Used for Click to Pay recognition
  }
});

checkout.mount("#checkout-container");

Direct API Integration

For Direct API, you interact with the Click to Pay (SRC) system to obtain a token, then pass it to Yuno.

POST /v1/payments
{
  "amount": {
    "value": 75.00,
    "currency": "USD"
  },
  "country": "US",
  "payment_method": {
    "type": "CLICK_TO_PAY",
    "token": "src_token_from_click_to_pay"
  },
  "customer": {
    "email": "[e-mail]"
  }
}

Supported Markets

Network	Countries
Visa	US, BR, MX, CO
Mastercard	US, BR, MX, CO

Click to Pay availability is expanding. Check the Yuno Dashboard for the latest supported markets and networks.

Customer Enrollment

Customers can enroll in Click to Pay through:

• Their issuing bank’s app or website
• The Visa or Mastercard Click to Pay portals
• During checkout on a merchant site that supports enrollment

Click to Pay recognition is email-based. Customers must use the same email they enrolled with. If the email does not match, the standard card entry form is presented as a fallback.

Benefits

Benefit	Description
Higher conversion	Fewer form fields reduce cart abandonment
Network-level security	Tokenized credentials managed by Visa/Mastercard
Device agnostic	Works on any browser without an app
Reduced PCI scope	No raw card data on your servers

Troubleshooting

Issue	Cause	Resolution
Customer not recognized	Email mismatch or not enrolled	Customer must enroll or use enrolled email
OTP not received	Carrier delay or incorrect phone	Customer should check enrolled phone number
Token rejected	Expired SRC token	Ensure token is submitted within the validity window