Click to Pay for Card Issuers: Security and Convenience in E-Commerce
Com o avanço do comércio eletrônico na América Latina, emissores enfrentam desafios cada vez maiores para garantir uma jornada de compra segura, fluida e com altos índices de aprovação. Nesse cenário, a solução de Click to Pay surge como uma aliada para todo ecossistema de pagamentos, atuando de forma estratégica para instituições financeiras que desejam … Continued
Com o avanço do comércio eletrônico na América Latina, emissores enfrentam desafios cada vez maiores para garantir uma jornada de compra segura, fluida e com altos índices de aprovação. Nesse cenário, a solução de Click to Pay surge como uma aliada para todo ecossistema de pagamentos, atuando de forma estratégica para instituições financeiras que desejam oferecer experiências de pagamento online semelhantes às do mundo físico, com mais segurança, agilidade e conversão.
What is Click to Pay?
Click to Pay is the commercial implementation of the EMV® Secure Remote Commerce (SRC) standard, developed to standardize and simplify online payments. In practice, the technology allows users to complete purchases in just a few clicks — without having to enter card information for each transaction.
The solution combines features such as:
- Card tokenization, which replaces sensitive data with encrypted codes;
- 3D Secure authentication, which improves cardholder identity verification;
- Integration with mobile devices and browsers, enabling a smooth experience across channels.
Why Implement Click to Pay? Key Benefits for Issuers, Acquirers, and Merchants
Click to Pay represents a significant step forward for financial institutions in the evolving digital payments ecosystem. By offering this functionality directly through their apps or digital services, it’s possible:
- Reduce fraud in online purchases through stronger authentication and tokenization;
- Increase approval rates by enabling faster and more secure transactions;
- Enhance the user experience with an intuitive and frictionless checkout process;
- Strengthen customer relationships by delivering a modern and convenient solution;
- Lower compliance and certification costs through the adopting of a globally standardized solution.
How Does Click to Pay Work with HST’s Solutions?
HST’s solutions support key players in the digital payment ecosystem: Issuers, Acquirers, and Merchants. For card issuers, the platform enables the bulk registration of customer cards with the card brands’ Click to Pay services. Through their own digital channels, issuers can also offer users tools to manage their Click to Pay profile — such as updating personal information, opting out or reactivating the service, and enrolling new cards.
Additionally, HST’s technology enables seamless integration between Digital Payment Applications (DPAs) and the card brands’ Click to Pay systems, while handling the complexity of functional and non-functional certifications and brand-specific updates.
Integration is available via API or Web SDK, ensuring flexibility and compatibility with different system architectures. Delivered as a SaaS model with PCI-DSS certification, it reduces technical complexity and accelerates time-to-market.
HST’s Competitive Edge in Implementation
HST is a pioneer in implementing digital payment solutions across Latin America. With extensive industry experience and a presence in over 20 countries, we provide a comprehensive solution for financial institutions looking to implement Click to Pay quickly, securely, and with expert support.
Key differentiators include:
- Proven expertise with major card brands and financial institutions;
- Rapid integration supported by hand-on technical expertise;
- Compliance with the most rigorous security standards;
- A dedicated team providing before, during, and after go-live.
Talk to HST
Interested in learning how our solution for card issuers can transform your customer’s payment journey? Speak with our team to discover how you can drive innovation, enhance security, and boost efficiency to your institution.
