Click to Pay with American Express

A consistent checkout—all in one streamlined payment experience.

Overview

When a customer pays with a Card for a product or service at a Merchant’s physical location, the checkout experience at the PoS terminal is familiar—regardless of the Merchant. That same level of consistency and familiarity is not available when customers checkout online. Often when customers shop online, they are presented with multiple payment buttons with different steps and information requirements, which can be confusing for customers and challenging for Merchants.

 

Click to Pay is enabled by EMV® Secure Remote Commerce (SRC), a technical framework that aims to bring familiarity and consistency to the online checkout experience. Designed to provide payment choice and convenience, Click to Pay enables Merchants to offer multiple card types in an easy, online checkout experience across websites, mobile apps, and other digital channels.

 

*EMV® is a registered trademark in the U.S. and other countries and an unregistered trademark elsewhere. The EMV trademark and Click to Pay icon are trademarks owned by and used with permission of EMVCo, LLC.

Benefits

CONSISTENT

  • Every time Card Members recognize the Click to Pay icon on a Merchant's checkout, they can benefit from a familiar, convenient checkout experience.

 

CONVENIENT

  • Once enrolled, the Card Members' Card information is recognized in SRC System so instead of keying in personal and payment information every time they shop, Card Members can use the click to pay button and quickly check out with their American Express Card.

ENHANCED SECURITY

  • Click to Pay combines both dynamic and encrypted data, an enhanced feature for online transactions, which helps reduce the risk of fraud. In addition, Click to Pay also reduces the need for Merchants to store Card information, which can help protect customer data over time.

How it works

To benefit from the enhanced checkout experience that Click to Pay provides, Issuers can pre-enroll their Card Members' American Express Cards, or Card Members can enroll at checkout by simply inputting their Card information once. When a Card is enrolled, the checkout experience becomes easier and faster with online Merchants.

 

Here’s how an enrolled Card Member uses Click to Pay at check out:

 

 

1) The Card Member selects the Click to Pay option at checkout on a Merchant’s website.

 

2) In some instances, Card Members may be required to confirm their identity. Once the Card Member is authenticated, the payment cards enrolled in Click to Pay will appear as options to check out.

 

3) The Card Member selects their Card, confirms the payment and shipping information and completes the transaction.

Implementation

Issuer

  • Through American Express interfaces, Issuers can enroll Card data and enable their Card Members’ American Express Cards for use at any Merchant that has enabled a Click to Pay solution.

 

  • This pre-enrollment can provide Card Members with the most frictionless experience of Click to Pay. 

 

  • Card Members can also enroll their American Express Card in Click to Pay directly as they are shopping online and encounter a Click to Pay checkout on a Merchant’s web page for the first time. 

 

  • Contact your American Express Business Representative for more information on how to integrate with American Express and enable American Express Cards for Click to Pay.

Merchant

  • Merchants can implement Click to Pay by partnering with an SRC Initiator (SRCi) of their choice.

 

  • The implementation process may differ depending on the SRCi.

 

  • The SRCi will facilitate the virtual terminal embedded in a Merchant’s checkout to enable payments across multiple networks, including American Express.

 

  • The SRCi will integrate with the SRC Systems from the multiple networks, resulting in a streamlined implementation process for Merchants.

 

  • There is no change in the authorization and settlement processes for Merchants.

 

  • The SRC System developed by American Express will eventually be enabled with American Express SafeKey® (3D-Secure). Certified SafeKey Merchants will have the option to request that the SRC System invoke SafeKey on their behalf.

 

  • Merchants can also choose to use their existing setup to invoke SafeKey on their own.

 

  • For additional information on Click to Pay participation, please contact your American Express Business Representative.

SRCi

  • SRCis can initiate the process to integrate with American Express by registering in AMEX Enabled: www.amexenabled.com.

 

  • After registration, the SRCi can access the American Express Onboarding Welcome Package, which includes integration and specification documents.

Card Members

Card Member - Frequently Asked Questions

 

  • American Express Issued Cards - Click here for Card Member FAQ

 

  • Bank Partner (Network) Cards - Click here for Card Member FAQ

 

Online Checkout - Terms & Conditions

 

  • American Express Issued Cards - Click here for Terms & Conditions

 

  • Bank Partner (Network) Cards - Click here for Terms & Conditions

Next Steps

Learn more about Click to Pay

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Click here for the 2019 Digital Payments Survey Insights Paper and Infographic

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