At a Glance
Click to Pay enables a faster and more secure online checkout experience with your Circula Credit Card.
You do not need to enter your full card details every time you make a purchase.
Verification is completed using a one-time security code sent via email or SMS.
Your card details are securely stored by Visa and are not shared directly with the merchant.
📌 Overview
Click to Pay is a secure online checkout feature available with your Circula Credit Card. It allows you to complete purchases on supported websites without having to enter your full card number, expiration date, or CVC code each time.
Instead, your card is automatically displayed during checkout after you verify your identity, typically using a one-time security code.
The feature is provided by Visa and is designed to make the online payment process simpler and more secure. Your card details are stored securely and are not shared directly with the merchant.
Similar to contactless payments in stores, Click to Pay provides a streamlined payment experience for online shopping.
Once Click to Pay is enabled, you benefit from a consistent checkout experience across different devices and browsers. This means you do not need to re-enter your payment details on supported websites.
🛠️ How Click to Pay Works
Click to Pay creates a secure online payment profile linked to your Circula Credit Card and your email address or mobile phone number. This profile is stored by Visa and allows you to pay online without manually entering your card details.
How the payment process works with Click to Pay:
Select "Click to Pay" at checkout
If a website supports Click to Pay, the Click to Pay icon will appear as a payment option. Instead of entering your card details, select this option.Enter your email address or mobile phone number
Visa uses this information to recognize your payment profile. The details should match the information associated with your Circula Credit Card.Verify your identity with a one-time code
You will receive a security code via email or SMS. Enter this code to confirm the payment.Your registered Circula Credit Cards are displayed
Once verification is successful, you will see your saved card information, such as the card design and the last four digits of the card number.Select your card and confirm the payment
After choosing the desired card, complete the checkout process as usual.
📝 What Happens Behind the Scenes?
Visa retrieves your stored payment profile and securely prepares the transaction.
Your full card number is neither displayed on the website nor shared directly with the merchant.
Instead, Visa uses a protected version of your card, sometimes referred to as a network token. This token is uniquely linked to the specific purchase or device and provides additional protection against card fraud and misuse.
Because your payment details are already securely stored and verified, Click to Pay offers:
Less manual data entry
Fewer errors during checkout
A faster checkout experience
Additional security on supported websites
🛠️ Manage Click to Pay
You can view the status of Click to Pay at any time and enable or disable the feature.
On the Web
Navigate to the desired credit card.
Click the three-dot menu ("More Actions").
Select Click to Pay.
A dialog window opens where you can:
View the current Click to Pay status
Learn more about the feature
Enable or disable Click to Pay
In the Mobile App (iOS & Android)
Open your credit card details.
Navigate to the section below the limit settings.
Select Click to Pay.
The current status is displayed next to the entry:
Enabled
Disabled
Pending
After tapping the entry:
On iOS, a full-screen dialog opens.
On Android, a dedicated screen opens.
From there, you can view the current status and manage Click to Pay.
Tip
If the status is shown as Pending, the Click to Pay setup process has been started but has not yet been completed.
❓ FAQ's
Where can I use Click to Pay?
You can use Click to Pay on websites that support Click to Pay as a payment method and display the corresponding Click to Pay icon.
Are my full card details shared with merchants?
No. Your full card details are not shared directly with the merchant.
What do I need to use Click to Pay?
You need a Circula Credit Card and a linked email address or mobile phone number for verification.
Do you still have questions?
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