Click to Pay

Click to Pay is a standardized digital checkout solution based on EMV Secure Remote Commerce specifications.

It is designed to make online purchasing smoother through a faster and more seamless checkout experience. It works across multiple payment networks, channels and devices without requiring a password.

It provides confidence, trust, ease and efficiency similar to a contactless experience in a digital environment.

a. Easier
Cardholders no longer need to enter 16-digit card numbers, look up passwords or fill out long forms to complete an online purchase.

b. Time-saving
Faster digital checkout whenever the Click to Pay icon is shown.

c. Secure
Online payments made using the Click to Pay icon benefit from Visa’s global payment network, which helps fight fraud, reduce risk and keep transactions fast and worry-free.

No. Ahli Bank Qatar cardholders are not automatically enrolled. Interested cardholders can self-enrol using the steps below.

Step 1
Go to https://src.visa.com/ using a browser and enter the email address linked to the cardholder’s Visa cards.

Step 2
After entering a valid email address and clicking Continue, the cardholder agrees that Visa may send a one-time passcode to their email address and or mobile number for verification. The cardholder must provide their country of residence and accept Visa’s Terms of Service and Visa’s Privacy Notice.

Step 3
The cardholder must provide their card details, billing address and mobile number.

Step 4
If successful, the cardholder will receive confirmation that the card has been enrolled for Click to Pay.

Step 5
The cardholder will be requested to re-enter their email address to start the service.

Step 6
The cardholder will receive a verification code sent to both their mobile number and email address.

Step 7
The cardholder will enter the verification code sent to their mobile number and email address.

Step 8
A valid OTP will take the cardholder to a screen showing all cards enrolled in Click to Pay and will allow them to add additional cards.

Step 9
The cardholder has the option to view card details.

Yes. Cardholders can remove their selected card from the service by logging in to https://src.visa.com/

Yes. Ahli Bank Qatar cardholders can choose whether they want to enrol for this service.

Ahli Bank Qatar cardholders can access the Terms and Conditions in Arabic and English on www.ahlibank.com.qa/en/clicktopay

Customers are advised to review the risk and liability clauses stated in the Terms and Conditions.

No. There are no additional transactional fees for using Click to Pay.

Yes.

All Visa card products enrolled in tokenisation are eligible for Click to Pay.

Yes. Supplementary cards can be enrolled, and the email address and mobile number must belong to the supplementary cardholder.

Cardholders can opt out or remove one or more of their cards from Click to Pay using https://src.visa.com/

A Passkey is a digital credential that allows users to authenticate themselves without entering passwords or card details. It is part of the Click to Pay system, which is an e-commerce guest-checkout solution based on EMVCo Secure Remote Commerce specifications.

When using Click to Pay, enrolled cards are displayed and available for use during checkout. Passkeys replace manual card entry and are tokenised and embedded within the merchant’s shopping experience, providing faster and more secure checkouts.

Click to Pay requires biometric authentication for each transaction, ensuring only the device owner can use the passkeys.

Yes. Click to Pay uses a robust fraud engine that monitors factors such as transaction velocity, amount, IP address, failed attempts and OTP generation. Based on risk, the system may request additional verification, such as asking for the CVV2 before completing the transaction.

Click to Pay functions as a token requestor and uses the security of network tokenisation. When a device is registered for Passkeys, Visa can pass device-related information to Ahli Bank Qatar through Visa Token Services messages.

Click to Pay enrolment and FIDO Passkey enrolment can occur during merchant checkout. After a successful 3DS challenge, the device is enrolled for Passkeys. Future transactions on Click to Pay-enabled merchants will then use biometric authentication. If biometrics fail or passkeys are removed, the system falls back to 3DS.

Unrecognised device:
When accessing Click to Pay on an unrecognised device, an OTP is required before card information is shown. The OTP is sent directly by Visa.

First transaction:
Before using a Click to Pay-registered card for the first time on a device, a successful 3DS authentication is required. If the device does not support biometrics or if biometrics fail, 3DS OTP authentication will be used.

Tokenised card data is stored in a token vault within the Visa Token Services solution. This is the same vault used for Apple Pay, Samsung Pay and Google Pay. It is part of VisaNet, Visa’s core processing network.

Yes.

Yes.
Once a card is enrolled, it is stored in the cardholder’s profile in the cloud. The cardholder can access their Click to Pay-enabled cards on multiple devices after passing the required authentication.