Click to Pay – a fast and secure way to pay by card online

Every second counts when shopping online. The easier and faster the payment process, the more likely customers are to complete their purchases. This is exactly what Click to Pay aims to achieve – an international card payment solution that is becoming increasingly widespread and allows customers to pay without having to manually enter their card details every time.

Since spring 2026, Click to Pay has been the default card payment option in MakeCommerce’s payment solution. But what exactly does this mean, and what benefits does Click to Pay offer online merchants and their customers?

What is Click to Pay?

Click to Pay is a payment solution based on an international card payment standard, supported by major global card networks, including Visa, Mastercard and American Express. Its goal is to provide a consistent and convenient payment experience across different online stores, making online card payments as simple and fast as contactless payments in physical stores.

While traditional card payments often require customers to enter their 16-digit card number, expiry date and CVV code, Click to Pay allows them to use a payment card that has already been securely saved.

How does Click to Pay work?

To use Click to Pay, customers must first link their payment card to the service. This can be done through their bank, card issuer or during checkout at an online store that supports Click to Pay.

Once a card has been linked to Click to Pay, the payment process involves just a few simple steps:

Customer identification. The customer enters their email address or phone number, and the cards associated with their identity are displayed.

Payment card selection. The customer selects the card they wish to use, without having to enter their card details.

Payment confirmation. If required, the customer confirms the payment using a one-time code, banking app or biometric authentication.

When using a familiar device, the process can be even faster, as the customer may not need to verify their identity again.

For online merchants, the key advantage is that Click to Pay works through MakeCommerce’s existing card payment solution. This allows merchants to offer their customers a more modern payment experience without the need for a separate integration.

Why is Click to Pay beneficial for online merchants?

A simpler checkout process can help reduce cart abandonment and increase the number of successfully completed purchases.

Click to Pay offers several benefits for online stores.

Faster checkout. Customers don’t need to take out their bank cards or manually enter card details. This is especially useful on mobile devices, where entering long card numbers can be inconvenient.

Fewer barriers to completing a purchase. The fewer steps customers need to take to make a payment, the less likely they are to abandon their purchase.

A more secure and reliable payment experience. Click to Pay uses modern security technologies, including tokenization and customer authentication, to help protect card details.

A consistent and familiar payment method. Click to Pay is not tied to a specific online store. Customers can use the same solution across different online stores that support Click to Pay, regardless of the device or browser they use.

Better conversion rates. A more convenient payment experience can help improve conversion rates and increase the number of completed purchases.

Is Click to Pay secure?

The short answer is – yes.

Click to Pay uses tokenization, among other security technologies, to replace sensitive card information, such as the actual card number, with a digital payment token. This means that the customer’s actual card number does not need to be shared with the online store.

In addition, customers don’t have to re-enter their card details for every purchase, and additional security checks can be applied when necessary to verify their identity. This allows Click to Pay to combine a convenient payment experience with modern security technologies.

Offer your customers more convenient card payments with MakeCommerce

Major international card networks Visa and Mastercard aim to make Click to Pay the standard solution for online card payments. The direction is clear – in the future, customers should no longer need to manually enter their card details but instead be able to pay quickly, conveniently and securely.

Click to Pay is part of MakeCommerce’s card payment solution and requires no additional development work. If your online store already uses MakeCommerce card payments, Click to Pay is available through your existing integration.

If you’re not yet using MakeCommerce card payments, now is a great time to introduce a solution that makes paying for purchases easier and more convenient for your customers.

👉 Read more about Click to Pay