Click to Pay ?

flaneurs_lobster

…and while we're at it, how does Click to Pay differ from Payit, which NatWest/RBS are punting at me at the moment.

Same/different?

sausage_time

PayIt uses Open Banking. I can use it to send you a link (or QR Code) from my banking app that takes you to your banking app to make an ad hoc payment to me. Works well when I have tried it, quick and easy with no need to share my details.

https://www.rbs.co.uk/business/business-services/payme/payit-mobile.html

Click to Pay seems that it will be card based and for paying vendors. Can't see the point personally.

https://www.rbs.co.uk/waystopay/ClicktoPay.html

mta999

To be honest it seems pretty good

Online, when you come to pay, you select the 'click to pay' icon. The website then sends you a text to your mobile(*) with a code which you enter and you can then see all your CTP cards and choose which one to use

In my opinion better than the alternative i.e on the website to entering your card number expiry date CVV etc

(*) or email.address

deinoflex

I find the problem with these simplified checkout systems is that they use the email address you set up with them, in the case of Lloyds which offered me the click to pay service they would supply Visa with the email address I use for Lloyds, and then when the online shop senses somehow that I'm enrolled and activates the simplified checkout, they're also given my Lloyds email address. But I use different emails for shops and banking, so it'll get confused won't it (we're assuming I've already registered an account with the shop)? I once tried the google pay checkout for an online shop and this sort of email clash happened. They seem to think everyone has only one email. I opted out of Lloyds click to pay.

flaneurs_lobster

https://forums.moneysavingexpert.com/discussion/comment/81972172#Comment_81972172

So you need to enter (as a bare minimum) your email address then when you click 'Click to Pay' the CtoP system uses email address to lookup your mobile number so it can send an OTC?

As @deinoflex says this is a problem, I may have a different email address registered with each card provider but I most certainly make a lot of use of other email addresses when shopping, including (occasionally) completely disposable ones.

Presumably the list of CtoP enabled cards appears on the online device otherwise we are introducing functionality that would need a smartphone and I rather think that this is being avoided deliberately?

So a system that might be of use if you use a single email address for everything, have a couple of cards and find filling in card details a chore.

mta999

Could oyou use your mobile number rather than email address?

scoot65

https://forums.moneysavingexpert.com/discussion/comment/81971824#Comment_81971824

I got a similar email from LLoyds a couple of days ago……. I did the same as you. Opted out immediately!

badger09

I’ve also opted out. My only regular use of Halifax debit card was £500 pm towards my credit card bill, or occasional deposit to savings account to qualify for the £5 monthly reward.
Now it’s redundant🥲

oldagetraveller1

Received an e-mail from Lloyds, yesterday, about this Click to Pay.

No thanks, opted out.

PRAISETHESUN

I've also opted out as I have similar concerns over security and data protection. I personally would rather there be a bit of friction when I spend online to make it ever so slightly harder for my details to be used fraudulently.