The integration supports multiple implementation models, including hosted payment experiences, hosted session integrations, direct API flows, and mobile SDK payment journeys.
Visa Click to Pay is designed to reduce checkout friction while supporting secure authentication, tokenised payment flows, and modern digital wallet experiences.
Supported Integration Models
Visa Click to Pay can be integrated using:
- Hosted Payment Page integrations
- Hosted Session integrations
- Direct API integrations
- Mobile SDK integrations
The supported integration methods available to your organisation may vary depending on platform configuration and onboarding status.
Key Capabilities
The Visa Click to Pay integration supports:
- Tokenised payment flows
- Saved card retrieval
- Secure checkout experiences
- Customer authentication flows
- OTP and verification handling
- Hosted and embedded checkout journeys
- Mobile payment experiences
- Platform and tenant-level payment enablement
Integration Architecture
The Visa Click to Pay integration consists of:
- Merchant onboarding services
- Payment configuration services
- Frontend SDK integrations
- Secure checkout flows
- Backend payment processing
- Payload encryption and decryption
- Signature validation
- Authentication and verification handling
Depending on the selected integration model, implementation responsibilities may be shared across frontend and backend systems.
High-Level Payment Flow
A typical Visa Click to Pay payment flow includes:
- Customer selects Click to Pay during checkout
- Frontend SDK initialisation
- Customer identification and card retrieval
- Customer authentication and verification
- Secure checkout response generation
- Backend payment processing
- Payment authorisation and completion
Supported Payment Experiences
Visa Click to Pay may support:
- Hosted checkout journeys
- Embedded payment experiences
- Direct wallet payment flows
- Mobile SDK payment experiences
- Returning customer checkout experiences
Available functionality may vary depending on the selected integration method.
Security & Authentication
Visa Click to Pay uses multiple security and authentication mechanisms to help protect payment data during the checkout process.
This includes:
- Encrypted payment payloads
- Signature verification
- Public/private key management
- Tokenized payment handling
- Authentication validation
- 3DS verification support
Additional implementation details are covered in the Security & Encryption documentation.
Merchant Onboarding & Enablement
Before Visa Click to Pay can be used within supported payment flows, merchants must complete onboarding and payment method enablement.
This may include:
- Merchant onboarding configuration
- Platform-level enablement
- Tenant-level payment activation
- Payment method configuration
- Integration setup and testing
Next Steps
To begin integrating Visa Click to Pay:
- Review the available integration options
- Complete merchant onboarding and enablement
- Configure the required payment methods
- Review the payment flow documentation
- Begin implementation using your selected integration method