# Click to Pay
source: https://developer.mastercard.com/mastercard-checkout-services/product/click-to-pay/index.md
### Key features {#key-features}
Developed by Mastercard and built upon global payment industry standards, Click to Pay delivers an enhanced online checkout experience with the security, convenience, and control consumers enjoy in the physical world. Easy integration makes it simple to offer features that keep consumers happy --- now and in the future.
###### Enhanced security {#enhanced-security}
Decrease fraud with robust security features such as bot detection, tokenization, device spoofing prevention and data encryption
###### Elevated payment experience {#elevated-payment-experience}
Streamlines experience by eliminating manual card entry and introducing payment passkeys for fast, easy authentication
###### Conversion {#conversion}
Enable consumers to quickly access preferred cards and details, reducing cart abandonment and increasing sales.
###### Standardized solution {#standardized-solution}
Using network interoperability, it allows for convenient, protected payments with Mastercard, Visa, American Express and Discover cards
*** ** * ** ***
### How it works {#how-it-works}
###### Integrator {#integrator-br}
A merchant using a Payment Service Provider (PSP) to integrate with Mastercard Checkout Solutions. **OR**
A merchant, PSP, Gateway or acquirer directly integrating with Unified Checkout Solutions.
###### Integration Solution {#integration-solution-br}
Unified Checkout Solutions: Click to Pay for all participating networks. **OR**
Mastercard Checkout Solutions: Click to Pay for Mastercard cards.
For other card brands, complete integration tasks specific to the participating card networks.
###### Click to Pay {#click-to-pay-br}
Secure Online Payment and Checkout.
###### Participating Issuer {#participating-issuer-br}
Enables consumer enrollment into Click to Pay by integrating with the Issuer enrollment APIs .
###### Digital Card Facilitator (DCF) {#digital-card-facilitator-dcf-br}
Enrolls consumers and stores the digital card.
Experience Click to Pay checkout by following the guided tour on our [Demo Tool](https://www.mastercardsrci-demo.com/home).
*** ** * ** ***
### Why use it {#why-use-it}
### 65+
markets where Click to Pay is available - with more to come!
### Up to 3-6 ppt
improvement in approval rates for tokenized transactions compared to PAN transactions
Mastercard Datawarehouse. Benchmarked December 2024 sample of MDES for Merchants customers on CNP first attempt transactions
### Up to 50%
reduction in chargebacks
Data point from Just Eat Takeaway.com, ["Mastercard and Just Eat Takeaway.com streamline guest checkout with Click to Pay"](https://www.youtube.com/watch?v=gvsGnjQ0IMc) (April 2025)
*** ** * ** ***
### Use cases {#use-cases}
###### Being recognized by an email address or mobile phone lookup {#being-recognized-by-an-email-address-or-mobile-phone-lookup}
We can recognize an enrolled consumer by their email address or mobile number early in their shopping experience -- offering them a faster way to pay in just a few clicks.
###### Using Click to Pay for the first time and enrolling during checkout {#using-click-to-pay-for-the-first-time-and-enrolling-during-checkout}
It's quick and easy to enroll a Mastercard in Click to Pay during a checkout. Consumers can create a Click to Pay profile as part of their payment experience.
###### Provisioning to Click to Pay from issuer's website {#provisioning-to-click-to-pay-from-issuers-website}
Cardholders can enroll in Mastercard Click to Pay via Push Provisioning within their Issuer's banking application/website, or enroll into Issuer directories using either a batch process or synchronous API call.
[Learn more](https://www.mastercard.us/en-us/checkout.html) about consumer enrollment and Click to Pay.
*** ** * ** ***
### Empowering our partners to achieve their goals {#empowering-our-partners-to-achieve-their-goals}
*** ** * ** ***
### Success Stories {#success-stories}
Cardholders can enroll in Click to Pay quickly and securely via their **Sympla** mobile banking app.
[Sympla case study](https://static.developer.mastercard.com/content/mastercard-checkout-services/uploads/mcs-click-to-pay-sympla-global-ext-case-study-global.pdf)
**Bank of Montreal** is the first issuer globally to invite Mastercard cardholders to register their cards in Click to Pay through in-app manual provisioning.
[Bank of Montreal case study](https://static.developer.mastercard.com/content/mastercard-checkout-services/uploads/mcs-click-to-pay-bmo-ext-case-study-global-feb23.pdf)
*** ** * ** ***
#### Resources - Acceptance partners {#resources---acceptance-partners}
Unified Checkout Solutions
Offers Integration Solutions that cater to a suite of digital commerce use cases and support to participating card networks via a single integration.
*** ** * ** ***
**Used
By** Merchants, PSPs \& Commerce Platforms. **Regions** Global. **Supports**  Mastercard Checkout Solutions
Offers Integration Solutions for Mastercard cards.
*** ** * ** ***
**Used
By** Merchants, PSPs \& Commerce Platforms. **Regions** Global. **Supports** 
### Create a best-in-class Click to Pay experience with our Customer Experience (CX) Guide
This guide provides the resources necessary for successfully implementing Mastercard Click to Pay with Unified Checkout Solutions or Mastercard Checkout Solutions. Discover Figma-based white label flows tailored to various use cases, along with customer experience requirements, best practices, and technical specifications.
[View Customer Experience Guide](https://developer.mastercard.com/click-to-pay-customer-experience-guide/documentation/) 
*** ** * ** ***
#### Resources - Issuing partners {#resources---issuing-partners}
Issuer Enrollment for Click to Pay
Enable single or multiple cards in Click to Pay using Mastercard APIs.
*** ** * ** ***
**Used
By** Issuers **Regions** Global. **Supports** 
*** ** * ** ***