One-click payments
One-click payments are a checkout method that lets customers complete transactions with a single action using securely stored payment details and preferences. This approach minimizes friction in the buying process, enabling instant purchases while meeting security and compliance requirements.
After the initial setup, where customers save payment credentials, shipping information, and preferences, future transactions can be completed with a single click, tap, or biometric gesture.
Technical requirements include:
- Secure storage of payment data following standards
- Fast but reliable authentication to confirm user identity
- Real-time detection to assess risks within milliseconds
- Compliance with legal and regulatory rules for stored payment data
Implementation models vary, ranging from account-based systems with user login, to device-based solutions tied to specific hardware, to biometric systems that use fingerprint or facial recognition for authorization.
One-click payments are especially valuable in mobile commerce, where small screens make typing difficult. At the same time, businesses face challenges such as managing data security risks, meeting complex compliance rules, investing in strong technical infrastructure, and maintaining customer trust in stored payment information.