# Click to Pay

The Tieto E-Commerce Payment Gateway supports Click to Pay by Mastercard, a secure, streamlined checkout solution that enables consumers to complete online purchases quickly — without manually entering card details. Click to Pay is based on EMV® Secure Remote Commerce (SRC) standards and supports guest checkout, card-on-file experiences, and SCA-compliant flows.

EGW integrates Click to Pay as part of the Hosted Checkout experience or via APIs, enhancing the user journey while reducing fraud and cart abandonment.

{% hint style="info" %}
You can try this payment experience in our [Sandbox](/e-commerce-payment-gateway/sandbox-guide.md). Learn more about the [Sandbox](/e-commerce-payment-gateway/sandbox-guide.md) , and feel free to [contact us](https://ecomm.api.tietoevry.com/your-access) with any questions!
{% endhint %}

## Gateway Owner Responsibility

To activate Click to Pay in production, the Gateway Owner (e.g., Bank or PSP) is responsible for:

* Registering with Mastercard Identity Check / SRC
* Enabling merchant IDs with Mastercard’s Click to Pay program
* Ensuring compliance with branding and display rules

These responsibilities apply in both delivery models:

* Managed Service – EGW provides integration, while contractual registration is handled by the Gateway Owner.
* On-Premises – The Gateway Owner manages both technical and business enablement.

## What is Click to Pay?

Click to Pay allows customers to securely store their card credentials (via Mastercard and other participating schemes) and pay with a one-click experience across multiple merchant websites — similar to wallets, but scheme-managed.

Customers benefit from:

* No need to enter card numbers or billing details
* One-tap checkout experience
* Consistent look and feel across merchants
* Support for Visa, Mastercard, and other SRC-enabled cards

##  EGW Integration Capabilities

Tieto EGW natively integrates with Mastercard’s Click to Pay SDK and SRC APIs, managing tokenization, scheme messaging, and checkout orchestration.

| Component        | Responsibility                                                                                                       |
| ---------------- | -------------------------------------------------------------------------------------------------------------------- |
| EGW              | Embeds Click to Pay button in Hosted Checkout, handles identity lookup, transaction requests, and response handling. |
| Mastercard       | Provides SRC framework, card vault, and user authentication flow.                                                    |
| Merchant Website | Displays Click to Pay button (automatically via EGW script).                                                         |

Integration is available via:

* Hosted Checkout Page (automatically enabled if device/browser supports it)
* API-based checkout with SRC SDK injection

## Customer Checkout Flow

1. Customer selects Click to Pay at checkout.
2. EGW invokes Mastercard’s SRC SDK to identify the user via device, email, or card number.
3. Customer authenticates (if needed) and selects a stored card.
4. EGW receives a tokenized payload via Mastercard MDES and processes the payment.
5. Customer sees immediate confirmation on the site.

### Security & Compliance

* Compliant with EMV SRC standards
* Uses network tokenization via MDES
* Built-in Strong Customer Authentication (SCA) via issuer or Mastercard authentication
* PCI DSS scope reduced due to no raw card data entry
* Secure browser/device identification and fraud checks

### Merchant Benefits

* Increased conversion with frictionless repeat purchases
* No need to store card data on merchant systems
* Supports guest checkout and returning customer flows
* Automatically updated card credentials via Mastercard
* Fully white-labeled in Hosted Checkout or merchant’s brand


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