---
updatedAt: 2026-08-25T06:41:58.000Z
agentTools:
  projectIndex: https://docs.payabl.com/llms.txt
---

# Click to Pay

A network-standard card payment experience that allows customers to pay using their saved cards, without manually entering card details.

<Image src="https://files.readme.io/1c3f847074a4da06b66ceff68d0b4dfaafed4c1778743f314f546d85cc84e636-Visual_for_Visa_Click_to_Pay_Documentation_Page_V3_1.png" align="center" />

# Overview

**Click to Pay** is a faster, safer way for customers to pay online without manually entering card details, available through payabl. [Hosted Payment Page](https://docs.payabl.com/docs/hosted-payment-solution) (HPP). Powered by EMV® Secure Remote Commerce (SRC) and recognized by the Click to Pay icon, it works with major card brands such as Visa and Mastercard.

<Callout icon="📘" theme="info">
  ### Note

  American Express cards cannot currently be linked to Click to Pay profiles. They can still be used via manual card entry in checkout.
</Callout>

<Callout icon="📘" theme="info">
  ### Click to Pay enabled by default

  Please note that Click to Pay is automatically enabled by default in your production environment.
</Callout>

### Benefits for Your Customers

* **Faster checkout** – Returning customers complete payment without re-entering card details.
* **Improved security** – Card data is encrypted and managed by the card networks, and is not stored by you.
* **Multiple cards per profile** – Customers can store and choose from several cards.
* **Consistent experience** – The same Click to Pay flow is used across thousands of merchants.

***

# Customer Flows

Click to Pay follows four core customer flows, depending on whether the cardholder is returning or new, and whether their device is already recognized. <Anchor target="_blank" href="https://app.arcade.software/share/yE9A8xiwIg1H8pGGn1bp">View the Click to Pay customer flow demo</Anchor>.

<br />

#### **Registered Customer – Recognized Device**

Used when a returning customer accesses checkout from a device that is already linked to their Click to Pay profile.

1. Selects **Click to Pay**.
2. Saved cards appear automatically.
3. Selects a card and completes payment.

<Image src="https://files.readme.io/5638bda2107dd0fda3a53aa712e597b79893f0c8c7ffc8a53245ef4ee3a59729-Tab_option_saved_cards_minimal_info.jpg" alt="Click to Pay - Saved Cards Selection Tray" align="center" caption="Saved Cards Selection Tray" />

#### **Registered Customer – Unrecognized Device**

Used when a returning customer accesses checkout from a new or unrecognized device and must verify their Click to Pay profile.

1. Selects **Click to Pay**.
2. Receives a one-time code to verify their Click to Pay account.
3. Selects a saved card and completes payment.

<Image src="https://files.readme.io/b9c259b5d4b3cd60a2a8ff2e2fd8f044417b998bfa5d2cf181fadfa7a31fc8ca-Tab_option_saved_cards_minimal_info.jpg" alt="Click to Pay - One Time Password Entry - Unrecognized Device" align="center" width="100% " caption="One-time Code Entry Page" />

<br />

#### **Manual Card Entry & Enrollment**

Used when a customer enters a card manually, to either link an additional card to an existing profile or create a new Click to Pay profile.

1. Selects **Click to Pay**.
2. Clicks Enter card manually.
3. Taps Link this card to Click to Pay.
4. Adds billing address and completes payment.

<Image src="https://files.readme.io/1c8378c089dd020b144793ed891ac9612c885c7522b39378bcee8488c7057d55-Tab_option_saved_cards_minimal_info.jpg" alt="New Customer - Card Details Entry" align="center" caption="Manual Card Entry Form Page" />

<br />

#### **Switch ID**

Switch ID allows customers to access a different Click to Pay profile (for example, using another email address) on the same device.

1. Selects Switch ID.
2. Enters a different email address.
3. Follows the unrecognized device flow.

<Image src="https://files.readme.io/4f72c4f3f56b339367dae4682fcc0e81c2d18095f33ed5b0fa3ead4eaf877539-Tab_option_saved_cards_minimal_info.jpg" alt="Switch ID - Authorization Page" align="center" caption="Switch ID Authorization Page" />

<br />

# What This Changes in Your Checkout

* Click to Pay enhances your standard card payment method in the HPP checkout
* Both new and returning customers can use Click to Pay instead of manually entering card details
* Your existing payment integrations remain unchanged
* No additional development or configuration is required

**Already using payabl. HPP?** Click to Pay can be enabled on your existing checkout.

**Not yet integrated?** Click to Pay becomes available on HPP and can be enabled upon request once you integrate.

<br />

# Sandbox Testing

Please see below information and guidance on how to test Click to Pay in our Sandbox environment.

* You can test Click to Pay on all 3 public Sandbox accounts found [here](https://docs.payabl.com/docs/testing-credentials)

<br />

<Table align={["left","left"]}>
  <thead>
    <tr>
      <th>
        Field
      </th>

      <th>
        Value
      </th>
    </tr>
  </thead>

  <tbody>
    <tr>
      <td>
        For Mastercard
      </td>

      <td>
        - Card number: 5453011910000148

        - Any CVV.

        - Any expiration date later than the current date.

        - Any cardholder name.
      </td>
    </tr>

    <tr>
      <td>
        First Name
      </td>

      <td>
        Any dummy first name (e.g., John)
      </td>
    </tr>

    <tr>
      <td>
        Last Name
      </td>

      <td>
        Any dummy last name (e.g., Doe)
      </td>
    </tr>

    <tr>
      <td>
        Street
      </td>

      <td>
        Any dummy street address
      </td>
    </tr>

    <tr>
      <td>
        Zip/Postal Code
      </td>

      <td>
        Any dummy postal code
      </td>
    </tr>

    <tr>
      <td>
        City
      </td>

      <td>
        Any dummy city
      </td>
    </tr>

    <tr>
      <td>
        Select a Country
      </td>

      <td>
        Select any country
      </td>
    </tr>

    <tr>
      <td>
        Mobile Number
      </td>

      <td>
        Must be a real, valid mobile number (Do not use dummy data here)
      </td>
    </tr>
  </tbody>
</Table>

<br />

<Callout icon="👍" theme="okay">
  ### How to Enable

  1. If Click to Pay is not already enabled for your production account, please contact the **payabl. Technical Support Team** to request Click to Pay activation.<br />If you are already onboarded, include your Merchant ID.
  2. We handle all registration and configuration.
  3. Once enabled, the Click to Pay button appears automatically in your HPP checkout.
</Callout>

***

For any inquiries or to request enablement, please reach out to payabl. Technical Support via email at <tech.support@payabl.com.> Our team is available Monday to Friday, from 09:00 to 17:00 CET/CEST.

<br />