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One-click Payments

Let returning customers pay in one click.

Securely store payment details after the first transaction, so returning customers can check out instantly — with full control over authentication, routing and payment behaviour.

Why It Matters

For returning customers, payment friction is one of the main causes of drop-off. Re-entering card details slows down checkout and reduces conversion — one-click payments remove that friction entirely.

Higher conversion on repeat purchases
Improved customer retention
Reduced checkout abandonment
Faster checkout experience
Seamless support for recurring and repeat billing scenarios

How It Works — Step 1

Card Is Securely Saved During the First Payment

When a customer completes their initial transaction via checkout, their payment details are automatically tokenised and securely stored.

Optional consent checkbox (COF)

Merchants can explicitly collect customer approval for storing card details.

How It Works — Step 2

Payment Token Is Reused for Subsequent Transactions

For future payments, the stored token initiates transactions without requiring the customer to re-enter their card details.

CIT — Customer-Initiated Transactions

The customer is present in checkout.

MIT — Merchant-Initiated Transactions

Payments trigger without customer interaction — subscriptions, rebills, upsells.

How It Works — Step 3

Flexible Checkout Experience for Returning Customers

Depending on merchant configuration:

Customers see & select saved cards
Multiple saved cards supported
CVV required or skipped, by rule
Remove & re-add cards anytime

For MIT scenarios, payments can process fully in the background without displaying the payment form.

Also built in:

Smart Authentication Control (3D Secure)

UpGate provides full control over 3D Secure behaviour for one-click payments.

Rules-based on:

BIN Country Card type

Supported flows:

Frictionless Challenge Selectively disabled

CIT: a redirect flow triggers when 3DS is required. MIT: 3DS is typically not applied, enabling seamless background processing.

Supported Payment Scenarios

One-click Payments work across multiple use cases.

Repeat purchases & fast reorders Subscription billing & rebills Upsells & add-on payments Delayed or scheduled charges Account top-ups

Built for Performance and Flexibility

Works across all processors

Compatible with every supported card processor, no separate setup required.

Routing & cascading compatible

Fully integrated with UpGate's routing and cascading logic.

Card Updater & Network Tokens

Fully integrated for improved approval rates on stored cards.

Expands to APMs

Supports expansion to alternative methods, e.g. PayPal, BLIK via selected providers.

Key Benefits

Faster checkout for returning customers

Higher approval & conversion rates

Reduced operational friction

Full control over authentication & logic

Scalable for subscriptions & repeat billing

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