Click to Pay
Enable Visa Click to Pay for your prepaid card program — seamless, secure checkout for your cardholders across participating merchants.
Click to Pay is an add-on module within the M2P Prepaid product suite that enables Visa Click to Pay (CTP) enrollment and lifecycle management for prepaid cardholders. It allows issuers to register their customers and payment instruments with the Visa Token Service (VTS) network, enabling a seamless, secure checkout experience without requiring cardholders to manually enter card details.
What is Click to Pay?
Click to Pay is a network-level digital checkout standard (formerly Secure Remote Commerce / SRC) backed by Visa, Mastercard, American Express, and Discover. When a cardholder is enrolled, their card details are securely stored with the network and presented as a payment option at checkout on participating merchant sites and apps.
Key Benefits
For Issuers
- Increase card-on-file usage and top-of-wallet placement
- Reduce cart abandonment with seamless checkout
- Configurable opt-in/opt-out per cardholder or program
- Async, non-blocking API integration
- Real-time status tracking for all CTP operations
For Cardholders
- Faster checkout — no card number entry at merchants
- Card details stored securely by the Visa network
- Consistent experience across all CTP-enabled merchants
- Full control to opt out at any time
- Works with both virtual and physical prepaid cards
CTP Module Capabilities
| Capability | Description |
|---|---|
| Register Entity & Kit | Enroll a customer and card with Visa CTP in a single API call |
| Add Kit | Add additional cards to an existing CTP enrollment |
| Remove Entity | Opt out a customer (and all cards) from Click to Pay |
| Remove Kit | Remove a specific card from CTP without affecting the customer |
| Fetch Entity Details | Retrieve full CTP profile with card and token details |
| Fetch Request Status | Poll async operation status with request trace IDs |
| CTP Status in Existing APIs | CTP status fields added to fetchEntityByEntityid and getDetailsByKitNo |
Click to Pay is currently available for Visa cards only. Mastercard Click to Pay support is on the roadmap. Contact your M2P account manager for availability updates.
Quick Start
Register your customer
Use the standard Registration APIs to create a customer and assign a kit.
Obtain cardholder consent
Collect explicit consent from the cardholder for Click to Pay enrollment. Visa requires documented consent with version, presenter, and timestamp.
Enroll with Click to Pay
Call POST /click-to-pay/v1/registerEntityAndKit with the entity ID, kit number, and consent details.
Poll for status
Use POST /click-to-pay/v1/fetchRequestStatus with the returned networkReqTraceId to track enrollment progress.
Go live
Once status is SUCCESS, the cardholder's card is active on the Visa Click to Pay network and available at participating merchants.