EMV® Secure Remote Commerce (SRC) simplifies the online checkout process to make it consistent, convenient and secure. Click to Pay solutions are based on the EMV SRC Specifications and are indicated
by the Click to Pay icon 
.
EMV® Secure Remote Commerce (SRC) simplifies the online checkout process to make it consistent, convenient and secure. Click to Pay solutions are based on the EMV SRC Specifications and are indicated
by the Click to Pay icon .
The EMV SRC Specifications provide a common baseline for the development of Click to Pay ecommerce payment solutions. An Application Programming Interface (API) Specification and JavaScript Software Development Kit (SDK) Specification support common integration, while the EMV Secure Remote Commerce – Click to Pay Customer Experience (CX) Guidelines are available to support consistent Click to Pay checkout experiences.
Click to Pay solutions are created by various industry participants, including global and domestic payment schemes, banks, fintechs and merchants. Consumers enrol in Click to Pay via participating payment card issuers. Once enrolled, a consumer can confidently pay online wherever they see the Click to Pay icon and expect comparable security and convenience as when making in-store purchases.
EMVCo licenses the Click to Pay icon to participating merchants and other participants.
Click to Pay solutions based on the EMV SRC Specifications reduce complexity and unwanted friction for e-commerce merchants and consumers. They provide a consistent checkout process which can reduce the potential for exploitation by fraudsters.
EMVCo has developed the EMV Secure Remote Commerce – Click to Pay Customer Experience (CX) Guidelines to support merchants, payment service providers, product owners, developers and CX designers, in simplifying online checkout and making it more consistent, convenient and secure for their customers.
Simplifies e-commerce checkout and make it consistent, convenient and secure.
Reduces the need to manually enter card details, remember passwords, and input shipping and billing information.
Reduces dependency on consumer entry of sensitive data and provides a consistent way for merchants to securely transmit payment and checkout information.
Supports merchants of any size to deliver a multi-channel commerce environment.
Enables implementors to combine other fraud-fighting technologies, such as EMV Payment Tokenisation and EMV 3-D Secure.
EMV Secure Remote Commerce (SRC) simplifies the online checkout process to make it consistent,
convenient and secure. The EMV SRC Specifications provide a common baseline for the development of Click to Pay e-commerce payment solutions.
Click to Pay is a consumer-facing e-commerce solution based on the EMV SRC Specifications and is indicated by the Click to Pay icon. Click to Pay promotes a consistent user experience and supports a common integration regardless of the payment card, digital channel or device they use.
The specifications provide a common baseline for the development of e-commerce payment solutions to promote a consistent user experience and support common integration.
EMV SRC Specifications:
The Click to Pay icon signals that a Click to Pay solution is available at participating merchants. This includes any e-commerce checkout environments that offer payments enabled by the EMV SRC Specifications, including websites and apps.
The icon is available for licensed reproduction by participating merchants and other participants. Alternatively, Click to Pay can be used in text as descriptive language if the icon is unable to be visually displayed.
Solutions exist today that provide security and convenience. However, each requires a unique
integration that adds complexity for merchants and an inconsistent experience for consumers. EMV SRC can facilitate the secure transmission of data as well as enable a more consistent merchant integration for card payments, much like what occurs at the physical point of sale. Existing solution providers have the option to use the EMV SRC Specifications for their implementations.
The feasibility of a testing programme based on the EMV SRC Specifications is reviewed periodically.
The guidelines provide EMVCo’s requirements and best practices for creating the best Customer Experience across key Click to Pay moments.
The document describes common use case examples to provide guidance for using SRC within existing payment ecosystems. Two main categories are covered: enrolment, and check-out.
Participating merchants can use the Click to Pay icon to help consumers easily recognise when EMV SRC is supported for convenient and secure checkout.
More than a hundred organisations – including merchants, issuers, acquirers, payment networks, financial institutions, manufacturers, technology providers and testing laboratories – contribute their knowledge and expertise to the development of EMV Specifications.
EMVCo Associates can contribute their knowledge and expertise to shape the development of EMV Specifications.
EMVCo Subscribers can receive notice of pending EMV Specification developments and participate in a formal dialogue with EMVCo.
All industry participants can review and provide comments on new EMV Specifications and major updates before final publication.
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