Click to Pay

Documentation Index

Fetch the complete documentation index at: https://docs.y.uno/llms.txt

Use this file to discover all available pages before exploring further.

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Mastercard — 45 countries

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Visa — ~50 countries

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Quick Reference: Brands Available by Key Market

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Visa Issuer Mandates

• Phase 1 (Apr 2024): Austria, Netherlands, Switzerland.
• Phase 2 (Oct 2024): UK, Bulgaria, Croatia, Cyprus, Czech Republic, France, Greece, Hungary, Italy, Malta, Romania, Slovenia.
• Phase 3 (Apr 2025): Bahrain, Kuwait, Oman, Qatar, Ukraine, UAE.
• Phase 4 (Oct 2026): South Africa.

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Key features and benefits

• Ease of Use: It enables consumers to make online purchases with a single click, eliminating the need to enter credit card details for each purchase manually.
• Enhanced Security: Utilizes modern authentication standards to minimize fraud risk. This includes network-level tokenization and biometric authentication.
• Consistent Experience: Offers a similar payment experience across all websites that support this technology.
• Conversion Uplift: 4-5% conversion uplift when used with passkeys and up to 2.5x fraud reduction vs. OTP authentication.
• Liability Shift: Available when combining tokenization with passkeys.

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Integration

1. Create a connection in the Yuno dashboard using your Click to Pay credentials.
   
2. Define the payment method route in the Routing section in order to be able to enable it in the Checkout Builder.
   
3. Enable Click to Pay in the Checkout builder.
   
4. Define the Card route: Taking in consideration that Click to Pay is a wallet that stores credit card information, the route where you will need to define the providers for each scenario is the same as the ‘Card’ payment method.

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Checkout Flows

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1. Standalone Payment Method (APM Flow)

• Mandatory Enrollment: Account creation is mandatory for all users.
• Payload Requirement: Requires a C2P-specific payload.
• Visibility: Best for merchants who want Click to Pay prominently featured.

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2. Embedded in Card (Golden Flow)

• Optional Enrollment: Enrollment is via a checkbox. If declined, the user proceeds with manual card entry (the transaction still shows CLICK_TO_PAY in the one-time token (OTT)).
• Visibility: Best for low-friction UX where enrollment feels optional.

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Activation Guide

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Option 1: Click to Pay Only (APM)

1. Request the DPA ID from the card network (e.g., Mastercard).
2. Add the Click to Pay connection in the Yuno dashboard using the DPA ID.
3. Add the card connection that will process these cards.
4. Define the payment method route in Routing and enable Click to Pay in the Checkout Builder.

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Option 2: Click to Pay + Passkey

1. Request the DPA ID.
2. Add the Click to Pay connection using the DPA ID.
3. Add the card connection and configure the Acquirer BIN.
4. Request the Yuno backend team to enable the Passkey and Dual Payload flags.
5. Create checkout sessions with a price for Passkey to work correctly.

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Option 3: Click to Pay + Golden Flow

1. Request the DPA ID.
2. Add the Click to Pay connection using the DPA ID.
3. Add the card connection that will process these cards.
4. Request the Yuno backend team to enable the Golden Flow flag.

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Option 4: Click to Pay + Golden Flow + Passkey

1. Request the DPA ID.
2. Add the Click to Pay connection.
3. Add the card connection and configure the Acquirer BIN.
4. Request the Yuno backend team to enable Passkey, Dual Payload, and Golden Flow flags.
5. Create checkout sessions with a price for Passkey to work correctly.

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Verification Methods

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VTEX integration

• The VTEX customer is automatically created in Yuno during payment initialization (if not already existing)
• All customer data from the VTEX profile is automatically mapped to Yuno and included in the checkout session
• Customer information (CVV, email, address) is pre-filled in the SDK, eliminating redundant data entry
• The checkout flow matches the streamlined experience available for non-VTEX merchants

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SDK integration (Click to Pay Passkey)

{
  "callback_url": "myapp://pay/ctp"
}

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iOS Passkey flow

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Handle the one-time token (OTT) and deeplink

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1. Close the external browser

func application(_ app: UIApplication,
                 open url: URL,
                 options: [UIApplication.OpenURLOptionsKey : Any] = [:]) -> Bool {
    Yuno.receiveDeeplink(url: url)

    // Parse the URL to extract parameters

    return true
}

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2. Process the deeplink URL

• has_error: Indicates an error occurred during the transaction. Handle this scenario in your app.
• one_time_token: Present when the transaction succeeds. Use it to create the payment.

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3. Create the payment

1. Extract the one_time_token.
2. Use it to create the payment with the Create Payment endpoint.
3. After creating the payment, call continuePayment in the SDK to finalize the flow.

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Android Passkey flow

1. Check has_error to manage cancellations or failures.
2. Extract one_time_token (and the optional checkout_session) from the URI.
3. Send the OTT to your backend to call the Create Payment endpoint, then invoke continuePayment in the SDK to resume the flow.