EMVCo Releases Draft EMV® Click to Pay Customer Experience Guidelines for Public Review

Global technical body EMVCo has released the draft EMV® Click to Pay Customer Experience (CX) Guidelines for public review and feedback. The draft guidelines aim to support merchants, payment service providers, product owners, developers and CX designers in simplifying online checkout and making it more consistent, convenient and secure. This can help merchants to reduce fraud and lower cart abandonment.

The EMV® Secure Remote Commerce (SRC) Specifications provide a common baseline for the development of e-commerce payment solutions. E-commerce solutions based on the EMV SRC Specifications are indicated by the Click to Pay icon and known as Click to Pay.

The draft EMV® Click to Pay CX Guidelines will be part of the EMV SRC Specifications and are designed to support merchants and solution providers in ensuring a consistent and familiar experience when implementing Click to Pay solutions. This follows the introduction of the ‘Merchant Orchestrated Checkout Model’ in Version 1.3 of the EMV SRC Specifications, where the payment experience and interaction are developed by the merchant or their payment service provider. This model enables the merchant to integrate the user experience and manage customer recognition.

“Click to Pay and the ‘Merchant Orchestrated Checkout Model’ mark a significant technical achievement, allowing merchants to deliver a seamless payment experience that can support global, regional and domestic payments systems through the integration of a single solution,” comments Joy Huang, Chair of the EMVCo Executive Committee. “This has the potential to be a game-changer in terms of mitigating friction, minimising integration complexity and significantly reducing checkout fatigue. But, to realise these benefits, a consistent customer experience across Click to Pay deployments is crucial.”

The draft EMV® Click to Pay CX Guidelines can accelerate the development and implementation of consistent Click to Pay solutions. The guidelines offer interactive, easy-to-follow sample screens and key use case flows, and link to the software development kits (SDKs) and application programming interfaces (APIs) needed to build solutions. This approach helps Click to Pay solution providers to understand how the CX should be implemented at the technical level to deliver an optimised experience.

Huang continues: “The draft EMV® Click to Pay CX Guidelines make it as easy as possible for merchants and payment service providers to efficiently build consistent solutions, with the confidence that they are linking to the most accurate and up-to-date materials. This ensures that Click to Pay delivers a familiar consumer payment experience that can improve conversion rates and reduce fraud, compared to traditional guest checkouts and wallet-based proprietary checkout buttons.”

The draft guidelines have been developed by specialist payment CX designers in close collaboration with industry stakeholders from across the payments ecosystem. This includes extensive engagement and direct contributions from the merchant community.

Following a review with EMVCo Associates, the draft EMV® Click to Pay CX Guidelines are available for public review until 13 October. EMVCo actively encourages all interested stakeholders to share feedback, input and comments to support the ongoing enhancement and evolution of the guidelines.

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