Click to Pay ?

STAVROS

My bank is going to enrol all their customers onto Click to Pay unless they explicitly opt out.

It is possible to lose Section 75 protection though with some Click to Pay transactions.

Is this worth worrying about?

Nasqueron

https://forums.moneysavingexpert.com/discussion/6665102/click-to-pay

Just pay by credit card directly if you're worried. I'm sure the Click to Pay will be fine for the majority of low value/single item less than £100 transactions which don't come under S75 anyway

flaneurs_lobster

Which bank?

Can someone please describe how this works?

I've now read two bank's descriptions and they are full of joy about how much easier life will be now I don't have to fill in a card number and CVV and I really don't have to bother my pretty little head about any of that nasty technical stuff.

Where's the data stored? Locally on every device I use online to buy stuff? Where? Bank App?

Is it an encrypted local autofill for card details? Presumably the websites have had to include a standard input format or is it more nuanced?

My card details live in my password manager, the autofill functionality is flaky at best, hardly ever gets all the elements correct.

STAVROS

https://forums.moneysavingexpert.com/discussion/comment/81971601#Comment_81971601

The bank will share your mobile number, email, postal address and card details with Visa.

STAVROS

Just to add this regarding the information from the bank that goes to Visa. Visa will "securely share your personal information with participating card networks, service providers and merchants to support the checkout experience".

So that last makes me inclined to opt out.

flaneurs_lobster

https://forums.moneysavingexpert.com/discussion/comment/81971678#Comment_81971678

Any organisation that uses the phrase "to support the checkout experience" deserves to be avoided.

Brisfit

Halifax sent me an email about Click to Pay saying it would be enabled on my debit card unless I opted out. Not knowing anything about this service I opted out straight away.

born_again

Just think of it like using Apple pay or Google wallet (or whatever is is called now)

Works in the same way.

STAVROS

I have just hit the Opt Out button.

I only use Google Wallet at the checkout till and this would be for online transactions. I don't like the smarmy sharing info with merchants bit, to improve my " checkout experience ".

flaneurs_lobster

Nobody's actually explained how it works yet.

Is the idea that it's trying to make the online "checkout" procedure just like using a contactless card at an IRL till?

So I agree with my card provider that I wish to Opt In to Click to Pay.

Then what?

What's the mechanism that links my card to Acme Corp's checkout page?

What if I've opted two cards in?

STAVROS

https://forums.moneysavingexpert.com/discussion/comment/81972007#Comment_81972007

This is all new to me but I have decided to Opt out. If you use ChatGPT or Gemini they can provide you with the logistics behind Pay to Click 😉