The purchasing process for returning customers can be made more convenient by allowing them to make payments without entering their complete card details.
This can be achieved through the implementation of one-click payments, where the customer’s information is saved during the first payment.
A customer who wishes to make use of one-click payments or avoid the need to input their card details repeatedly for future payments requests to store their card details during a cardholder-initiated transaction (CIT).
The OneClick payment experience comprises two main stages:
Step 1: First Payment where you store card details
When a Merchant proposes a One Click Payment Creation to a logged-in Cardholder, the applicable Terms and Conditions are presented.
If the Cardholder accepts and provides their card data, they must perform 3D Secure Strong Customer Authentication as mandated. Once authentication is successful, the card is tokenized and registered with the International Payment System (IPS). The token is then delivered to the Merchant and recorded as a Card on File.
Step 2: Subsequent Payments where you pay with stored card
When the Cardholder is logged in to the merchant’s e-shop, a “OneClick payment” button is presented for easy payment with just one click.
The Card token is detokenized, and the one click payment context is validated before the transaction is presented to IPS with a reference to the initial transaction. This allows the authentication flow to be bypassed.