EMV® Secure Remote Commerce (SRC) simplifies the online checkout process to make it consistent, convenient and secure. E-Commerce solutions based on EMV SRC Specifications are indicated by the Click to Pay icon and known as Click to Pay solutions.
Complexity and unwanted friction are key challenges for e-commerce merchants and consumers, while inconsistent checkout processes can potentially be exploited by fraudsters.
Click to Pay programmes are created by various industry participants, including global and domestic payment schemes, banks, fintechs and merchants. Consumers enrol in a Click to Pay programme via participating payment card issuers. Once enrolled, a consumer can confidently pay online wherever they see the Click to Pay icon using their preferred card and expect comparable security and convenience as when making in-store purchases.
The EMV SRC Specifications provide a common baseline for the development of Click to Pay e-commerce payment solutions. An Application Programming Interface (API) Specification and Java Script Software Development Kit (SDK) Specification support common integration, while User Interface Guidelines and Requirements promote a consistent user experience.
EMVCo licenses the Click to Pay icon to participating merchants and other participants.
EMVCo has developed the draft EMV 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.
Click to Pay programmes simplify e-commerce checkout and make it consistent, convenient and secure.
Once the consumer is enrolled, the need to manually enter card details, remember passwords and input shipping and billing information is removed.
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.
[We] continue to introduce and encourage implementation of fraud fighting tools like…[EMV] Secure Remote Commerce (SRC).
EMV Secure Remote Commerce (EMV SRC) enables a common consumer e-checkout that promotes simplicity, familiarity, interoperability, convenience and trust.
Consumer-facing solutions and programmes based on the EMV SRC Specifications can be described as Click to Pay. This universal description enables ease of recognition for consumers, and signals that a consumer can confidently transact through an easy e-checkout, regardless of the payment card, digital channel or device they use.
The corresponding Click to Pay icon signals availability at participating merchants. Alternatively, Click to Pay can be used in text as descriptive language if an e-merchant is unable to visually display the icon.
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 icon is available for licensed reproduction across e-commerce checkout environments that offer payments enabled by the EMV SRC Specifications, including websites and apps.
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 under active consideration.
Intended for SRC system participants that will manage the SRC experience, the guide describes the UI components to support consumer interaction in the SRC checkout.
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.
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.
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All industry participants can review and provide comments on new EMV Specifications and major updates before final publication.
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