The four major credit card issuers – Visa, MasterCard, Discover and American Express have teamed up to offer a click to pay option called Secure Remote Commerce (SRC) for online purchases.
How click to pay works
Click to pay is designed to secure personal information when making online purchases as well as simplify the checkout process. This addresses the two major concerns with online shopping – security and the time-consuming checkout process.
Online fraud has become more problematic in the U.S. and around the world since the introduction of chip cards. Chip cards are a more secure way to pay for in-store purchases. This has led fraudsters to turn to online opportunities to capture card and personal information. With SRC, some of the same technology used to secure in-person chip card transactions is used to secure online purchases. When you use click to pay, your card number and personal information is not exchanged with the online merchant. Your card number is assigned a token, or a unique string of randomized numbers that have no meaning to fraudsters.
How to enroll
To enroll in click to pay, visit the card issuer’s website. Pacific Service CU Visa debit and credit cardholders can enroll here. After you enroll, your email address becomes your purchase or click to pay ID. When you see this icon at any online site that accepts Visa, you won’t have to enter your card number, expiration date or security code at checkout.
Benefits of click to pay with your Pacific Service CU cards
With this new payment experience, you’ll enjoy online checkout that is:
- Easy: You won’t have to enter your card number, lookup passwords for online sites or complete long forms to finalize your purchase.
- Smart: Enter your card information once with your card issuer and never have to enter it again when shopping online at participating merchants.
- Secure: Since your card and personal information will not be exchanged with the online merchant any longer, you can make online purchases with confidence.