What is Click to Pay? A guide for ecommerce companies

Is Click to Pay the same as Apple Pay or Google Pay?

No. Apple Pay and Google Pay are wallets tied to a device or an operating system, and shoppers authenticate with the device itself. Click to Pay is a card network standard with no app and no device dependency, so it works in any browser on any device once someone has enrolled. They can sit alongside each other at the same checkout.

Who owns Click to Pay?

An organisation called EMVCo governs the Secure Remote Commerce specifications behind Click to Pay, and its members include Visa, Mastercard, American Express, Discover, UnionPay and JCB. Individual networks participate in the standard and promote it under the shared Click to Pay name, but the standard itself belongs to the industry rather than to any one network.

How quickly can I get the money?

If you’re eligible, the offer is already in your Mollie dashboard. There’s no application to fill in and, for most businesses, no paperwork to dig out. Accept it, and the funds can be in your account within minutes. Larger amounts need a little more information and a conversation with our team, but you’re still looking at days rather than the weeks a bank would take. That gap is usually the whole point: stock deals tend to expire long before a credit committee meets.

Which card networks support Click to Pay?

Participating cards from the major networks, including Visa, Mastercard, American Express and Discover, with Carte Bancaire joining. Specific card and market availability changes, so confirm current support with us before you plan an implementation.

Mollie currently supports Click to Pay with Visa and Mastercard and is planning to implement it with American Express and Cartes Bancaires in 2027.

Is Click to Pay secure?

Click to Pay is tokenised by design, so the underlying card number isn’t handled the way it is in a manually entered transaction. Identity can be verified using a one-time passcode or a biometric check.

No payment method removes every risk, so it should sit alongside your existing authentication, monitoring and fraud controls rather than replacing them. Strong Customer Authentication requirements in the European Economic Area apply to Click to Pay as they would to any card payment.

Do shoppers need to enrol before using Click to Pay?

They need a Click to Pay profile with an eligible card. Many shoppers already have one, either through their card issuer or from an earlier purchase at a participating business. Someone who hasn't enrolled may be offered the option to do so at checkout, depending on their card, issuer and market.

What happens if a shopper hasn’t enrolled in Click to Pay?

Nothing changes for them. They pay by entering their card details as usual, and they may be offered the chance to enrol while they do it. Click to Pay is an additional option at your checkout, not a replacement for card entry.

Will Click to Pay replace manual card entry?

Not immediately, but that's the end goal. Mastercard has set out an ambition to phase out manual card entry in Europe by 2030, and Visa has made Click to Pay a standard feature of its cards. For now, card entry stays at checkout, and Click to Pay sits alongside it.

Does Click to Pay cost more per transaction?

Click to Pay transactions are processed as standard card payments, so scheme fees follow your existing card pricing.

Do I need to change my integration?

If you're on Mollie Checkout or Mollie Components v2, our team can activate Click to Pay on your account. Mollie Components v1 doesn’t support Click to Pay, so if you’re on that version, we recommend upgrading to Components v2.