O Click to Pay é a mais recente evolução nos pagamentos digitais e chega a Portugal através de uma parceria entre a VISA e a REDUNIQ, que se torna o primeiro acquirer nacional a disponibilizar esta tecnologia. Com um checkout mais rápido e intuitivo, pagamentos tokenizados e reconhecimento automático do consumidor, esta solução vem simplificar compras online, reduzir abandonos de carrinho e reforçar a confiança no comércio digital.
Click to Pay: innovation that simplifies the finalisation of online purchases
O Click to Pay representa uma evolução significativa no processo de checkout digital. Consumers can link their cards only once and, from then on, the the system automatically recognises the user and displays the registered cards, eliminating the need to enter data manually with each purchase.
Concebida para simplificar os pagamentos online e eliminar fricção no checkout, esta technology centralises the shopping experience in a fast and secure process, reducing cart abandonment and contributing to an increase in sales.
Com o seu recente lançamento em Portugal, o Click to Pay is directly integrated into E-Commerce solution da REDUNIQ, reforçando o compromisso da marca para com a inovação, a segurança e a modernização dos online payments in Portugal.
“Com o Click to Pay, estamos a dar mais um passo na nossa estratégia digital ao sermos o primeiro acquirer nacional a disponibilizar esta funcionalidade. Esta solução facilita o checkout, aumenta a confiança dos consumidores e oferece aos negócios uma experiência de pagamento mais fluida, segura e escalável”.
– Carla Castro, Diretora de E-Commerce, Verticais e Parcerias da UNICRE
What is Click to Pay and how does it work?
O Click to Pay é uma solução padronizada de pagamento digital suportada pelas principais redes internacionais de cartões, nomeadamente a VISA, which allows consumers to realise compras online de forma rápida e segura, sem terem de inserir os dados do cartão por cada transação que efetuarem.
O system works as an integrated digital wallet:
- O consumidor regista os seus cartões uma vez;
- Nas compras seguintes, o checkout reconhece automaticamente o utilizador;
- Bastará selecionar um cartão guardado e confirmar a operação.
The payments are always tokenisedby replacing real data with safe and secure identifiers in order to protect cardholder information.
“Com o crescimento das compras online, o Click to Pay da VISA pretende oferecer uma experiência de pagamento simples e direta (tal como nas lojas físicas) com um único terminal e uma única forma de pagar, independentemente do comerciante”.
– Rita Mendes Coelho, Country Manager da VISA em Portugal
Main advantages of Click to Pay for companies and businesses
1. Checkout faster and more practical
By allowing your customers to finalise a purchase with a single click, you'll see that the Click to Pay drastically reduces the time spent on the entire process of checkout.
This fluidity provides a much more pleasant experience for the consumer and contributes directly to reducing the number of cancellations at the decisive moment.
2. Reduced cart abandonment
One of the biggest challenges in e-commerce is cart abandonment, often caused by overly complex payment processes. However, with Click to PayThis procedure is simplified, which means that more transactions can be concluded.
3. Higher conversion rate and increased online sales
One checkout fast and safe has a positive influence on conversion rates. By simplifying the customer journey at the most critical moment of the purchase, the Click to Pay can help increase your business's online sales, without the need to implement significant changes to the interface of checkout.
4. Reducing the burden of compliance methods
As card information is not directly stored by merchants (on the contrary, it is tokenised and managed by trusted third parties), many of the security compliance requirements (such as those defined by the directive Payment Card Industry Data Security Standard - PCI DSS) become much less costly for traders.
Reinforced security: how Click to Pay guarantees the protection of customer data
Security is a central concern in e-commerce, and the Click to Pay is designed precisely to strengthen consumer confidence in digital payment methods.
The basis of this protection is the tokenisationIn other words, a process that replaces real card numbers with unique codes that have no value outside of a specific transaction.
In addition, the method integrates multiple layers of security, including:
- Advanced encryption;
- Autenticação reforçada de dois fatores ou biométrica;
- Validações de identidades integradas.
So even if someone intercepts the transmitted data, the tokens cannot be reused in other transactionswhich substantially increases the fraud protection.
For companies, this means less risk of fraud, less chargebacks and greater customer confidence.
How does Click to Pay increase consumer confidence and reduce shopping cart abandonment?
Payment simplicity and security are two critical factors for consumer confidence. O Click to Pay eliminates many of the barriers that can make a buyer hesitate or abandon their purchasesuch as:
- A need to re-enter card data on all purchases;
- O filling in forms that are too long or confusing at the time of checkout;
- Any fears related to the exposure of financial data.
With the guarantee that your cards are tokenised and secureAs a result, many users feel much more comfortable about completing a purchase, which boosts confidence in digital payment and improves the overall shopping experience.
A process of checkout simple, clear and secure can make all the difference between an abandoned cart and a completed sale, and that's exactly what the Click to Pay offers.
Click to Pay: the future of online payments in Portugal
As the e-commerce is evolving and consumer expectations for faster and safer shopping experiences are increasing, o Click to Pay is positioned as an innovative payment method with strong potential for adoption in Portugal.
Your ability to combine convenience, payment security and reduced friction in the checkout makes it a valuable tool for any business who want to stand out in a competitive market.
“Neste contexto, estamos muito satisfeitos por disponibilizar esta tecnologia à REDUNIQ e reforçar o nosso compromisso contínuo de colaboração com todos os intervenientes do ecossistema de pagamentos, no âmbito de uma rede aberta”.
– Rita Mendes Coelho, Country Manager da VISA em Portugal
With the growing importance of online payment solutions efficient and friendly, integrate the Click to Pay can be a decisive step towards boosting your e-commerce performance.
"By making modern, internationally recognised digital methods available, we reinforce REDUNIQ's commitment to supporting the growth of online business and UNICRE's role as a driver of digital transformation in the financial sector."
– Carla Castro, Diretora de E-Commerce, Verticais e Parcerias da UNICRE
In the digital age, offering simplified and secure payments is not only an advantage, but also an expectation of modern consumers. By adopting this technology in your business or company, the benefits will translate into increased customer confidence, fewer abandoned carts and increased revenue.
O Click to Pay chegou a Portugal pelas mãos da VISA e da REDUNIQ.
Frequently Asked Questions (FAQs)
O Click to Pay is an online payment method that allows consumers to make purchases without having to constantly enter their card details. After an initial registration, the system recognises the user and displays the securely stored cards, speeding up the process. checkout with just one click.
O Click to Pay offers a checkout faster, reduces cart abandonment, improves conversion rates and reduces the burden of compliance with security standards such as PCI DSS. All this contributes to increased online sales.
Yes. Click to Pay uses tokenisation, advanced cryptography and, in many cases, two-factor or biometric authentication. These measures ensure that card data is protected against fraud and cannot be reused in other transactions.
By eliminating steps such as manual data entry and filling out lengthy forms, the Click to Pay makes the payment process simpler and faster. This convenience increases consumer confidence and significantly reduces cart abandonment.
O Click to Pay já está disponível em Portugal, com a REDUNIQ na qualidade de primeira entidade a disponibilizar esta solução de pagamento online no mercado nacional, em parceria com a VISA.
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