Click to Pay is an online checkout standard developed by the major card networks. It lets cardholders pay online without manually entering their card details, using cards stored in their Click to Pay profile across different sites. Click to Pay is offered through Dintero’s own PSP and is not available via other PSP providers.Documentation Index
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How It Works
- Customer starts checkout and provides their email — either through Checkout Express or by including the customer’s email in the session.
- Dintero looks up the email with Click to Pay. If the customer is enrolled, their cards stored in Click to Pay are shown directly in the card form alongside the regular card input.
- Customer selects a Click to Pay card (or enters a card manually) and completes the payment.
- If required, the customer is taken through a 3-D Secure challenge.
- Dintero creates an authorized transaction and the checkout session is completed.
Requirements
For Click to Pay to be offered to a customer:- The customer’s email must be available during checkout, either by using Checkout Express or by including the customer’s email when creating the session.
- The customer must be enrolled with Click to Pay. If the email is not recognized, the regular card form is shown without the Click to Pay option.
Liability
Click to Pay supports Strong Customer Authentication (SCA) as part of the payment flow. Dintero requests SCA for all Click to Pay transactions. When SCA is completed, liability shifts to the card issuer and the merchant is protected from fraud chargebacks. If Click to Pay does not provide SCA for a given transaction, no additional authentication is performed. In that case, the standard card payment liability rules apply and the merchant bears the fraud liability. Merchants can inspect thecard.eci field on an authorized transaction before capturing to determine the authentication level and resulting liability. A value of 05 (Visa) or 02 (Mastercard) indicates full SCA with liability shift to the issuer. 07/00 indicates no authentication was performed and the merchant bears fraud liability.