Click to Pay

Guest Checkout, Reimagined

One-click payment ensures consumers enjoy fast checkout without sacrificing security.

Spotlight

Fast, simple and secure

We are advancing the digital checkout experience, no matter where or how your customers choose to pay.

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3–6ppt

increase in approval rate for tokenized transactions¹

93%

conversion rate for Click to Pay vs. a competing checkout solution at 88%²

50%

reduction in chargebacks³

What makes us different

Just like the transition from signing and swiping to tapping cards, we’re now moving from manual entry and passwords to seamless and secure payments in just a few clicks.

Jorn Lambert Chief Product Officer, Mastercard

Key Features

Improve guest checkout conversion

Click to Pay streamlines checkout by eliminating manual card entry and providing consumers instant access to their preferred cards across devices and browsers.

More approvals, less fraud

Guest checkout is smoother and safer with network tokenization and biometric authentication.

More choice, less cart abandonment

Shoppers can access their preferred cards, which are updated automatically.

Backed by industry standards

Built on EMVCo standards and supported by the major card networks.

Easy guest checkout

Reduce steps to check out using intelligent recognition of shoppers at participating merchants.

Greater loyalty for issuers

Easy cardholder enrollment boosts approval rates and cardholder loyalty while reducing fraud.

Enroll with ease, pay with confidence

Whether automatically enabled by your bank or you enroll on its app or website, enjoy the seamless convenience of Click to Pay.

Woman smiling looking at smartphone at home.

Tokenization keeps card data safe

Click to Pay replaces a card's primary account number (PAN) with secure, tokenized credentials.

Man using smartphone with facial recognition system.

Payment passkeys streamline guest checkout

Click to Pay supports payment passkeys, leveraging biometric authentication, to provide a seamless and secure payment experience.

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Checkout services

Make online checkout secure, simple and fast

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Customer stories

Developer Resources

Developers

Start building with Mastercard

Access our full suite of APIs and developer tools to create secure, scalable, and innovative payment solutions.

Explore the APIs

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Contact us

Learn how Mastercard is improving online checkout.

Featured resources

How to delight consumers during the crucial last step of online shopping

Our global survey of more than 6,600 consumers are looking for payment options that allow for flexibility, control and a simple, consistent experience.

Mastercard reinvents checkout with password- and number-free payments

By the end of the decade, Mastercard plans to phase out manual card and password entry in favor of smiles and fingerprints globally, paving the way for a future where numberless cards are the default.

1. Masterard Internal data. Benchmarked 2024 sample of Mastercard Digital Enablement Service for Merchants’ customers on card not present first-attempt transactions. Varies by region. ↩

2. Limited to Mastercard DCF conversion, measured across top 10 transaction merchants by volume, Aug. 2021–Feb. 2022. ↩

3. 2024 data provided by Just Eat Takeaway.com ↩

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