About
Click to Pay is the consumer name for EMV Secure Remote Commerce (SRC), an online checkout specification managed by EMVCo, which is collectively owned by American Express, Discover, JCB, Mastercard, UnionPay and Visa. A shopper's cards are enrolled once, through the issuing bank or at a merchant checkout, and are then recognised at any site showing the Click to Pay icon, so card number, expiry and address do not need to be typed. The network sends the merchant a token rather than the real card number. It is not a network of its own: each scheme runs its own Click to Pay. Mastercard has said it aims to end manual card entry for e-commerce by 2030.
Not a standalone scheme - an EMVCo checkout standard layered over the existing card networks. Its volume is already inside Visa/Mastercard/Amex figures.
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