E-commerce has unlocked unprecedented convenience for consumers, but it’s also opened the door to increasingly sophisticated fraud. According to Juniper Research, online payment fraud is expected to cost merchants over $362 billion globally between 2023 and 2028, with $91 billion in losses projected for 2028 alone. These staggering figures highlight a critical truth: Security is essential. As fraudsters evolve, so must the tools we use to protect digital transactions.
One of the most promising innovations in this space is Click to Pay, a secure, tokenized checkout experience developed by EMVCo. More than just a feature for online payment convenience, Click to Pay is a strategic defense against fraud, and a powerful opportunity for banks to lead in secure digital commerce while meeting modern banking compliance.
How Click to Pay Strengthens E-Commerce Security
Tokenization: The First Line of Defense
At the heart of Click to Pay is tokenization, a technology that replaces the traditional 16- to 19-digit card number with a randomly generated token. This token is useless if intercepted, dramatically reducing the risk of card-not-present (CNP) fraud.
Unlike card-on-file systems, merchants never see or store the actual card number, minimizing exposure in the event of a data breach.
Fact: Over 30% of Mastercard transactions globally are now tokenized, reflecting growing industry trust in this approach.
Learn more about tokenization in our blog post written by Nicolas Bruley, VP Digital Payment Solutions.
PCI DSS Compliance and Data Minimization
Click to Pay is built to meet PCI DSS standards, ensuring sensitive cardholder data is handled with the highest levels of security. By removing the need for merchants to store or process raw card data, Click to Pay reduces the compliance burden and limits the attack surface for cybercriminals.
Biometric Authentication and Passkeys
Click to Pay supports biometric authentication, such as fingerprint or facial recognition, directly within the merchant’s checkout flow. Once passkey deployment is enabled, no 3-D Secure (3DS) is needed.
This not only improves the user experience but also adds a robust layer of identity verification, making it significantly harder for fraudsters to impersonate legitimate users.
Enabling Secure, Compliant, and Scalable C2P Integration
Entrust’s Digital Card Solution empowers banks to deploy Click to Pay quickly and securely. With a unified API and SDK-based integration, Entrust simplifies the technical complexity of enrolling cards and managing tokenized data across both Visa and Mastercard networks.
Key Security Features from Entrust
- Push Provisioning: Enables cardholders to enroll directly from their banking app, ensuring secure in-app enrollment without exposing data to third parties.
- Auto-Enrollment: Allows issuers to enroll cardholders automatically, reducing friction and accelerating implementation, while supporting compliance with Visa and Mastercard mandates.
- Lifecycle Management: Gives users the ability to update, suspend, or delete their Click to Pay profiles directly from their banking app, enhancing control and peace of mind.
Why Now? The Urgency of Secure Checkout
The shift toward secure, seamless digital payments is accelerating. Mastercard has announced plans to phase out manual card entry and password-based authentication by 2030, replacing them with tokenized, biometric-enabled experiences such as Click to Pay.
In this high-risk environment, banks that fail to act risk falling behind, both in terms of compliance and customer trust. By adopting Click to Pay with Entrust, financial institutions can:
- Reduce fraud exposure
- Improve customer satisfaction
- Support compliance with evolving global mandates
- Secure top-of-wallet status through seamless digital experiences
Security Is the New Convenience
Click to Pay is more than a faster way to check out. It’s a smarter, safer way to transact online. As fraud threats grow and consumer expectations rise, banks must prioritize solutions that deliver both security and simplicity.
With Entrust’s Digital Card Solution, financial institutions can lead the charge in secure e-commerce, offering cardholders a future-ready payment experience that’s built to protect.
Learn how Click to Pay combines tokenization, biometric authentication, and banking compliance to fight fraud and streamline the digital checkout experience.
