Visa Click To Pay

Overview

Pliant is extending the Partner API to support Visa Click to Pay enrollment and management. This enables your cardholders to check out faster at participating online merchants without manually entering card details.

Key Points:

New Visa cards are automatically enrolled in Click to Pay (no action required)
Existing Visa cards can be manually enrolled via new API endpoints
Partners can unenroll cards on customer request
Callbacks notify you of enrollment state changes
Only Visa cards are eligible (Mastercard and Travel Purchasing Cards excluded)

What's New

New API Endpoints

1. Enroll Card in Click to Pay

POST /api/cards/{cardId}/click-to-pay/enroll

Purpose: Enroll an existing Visa card (and its associated member) into Click to Pay.

Response (200 OK):

{
  "cardId": "550e8400-e29b-41d4-a716-446655440000",
  "clickToPayInfo": {
    "status": "ENROLLED",
    "enrolledAt": "2026-01-15T10:30:00Z",
    "unenrolledAt": null
  }
}

Notes:

The organization’s billing address will be used implicitly when enrolling the cardholder
If card is already enrolled, returns current status (idempotent)
Only Visa cards can be enrolled
Returns 400 Bad Request for non-Visa cards or invalid card states

Statuses

Status	Description
`NOT_SUPPORTED`	Card type doesn't support Click to Pay (e.g., TPC or Mastercard)
`NOT_ENROLLED`	Eligible but not enrolled
`ENROLLED`	Currently enrolled in Click to Pay

2. Unenroll Card from Click to Pay

POST /api/cards/{cardId}/click-to-pay/unenroll

Purpose: Remove a card from Click to Pay enrollment.

Response (200 OK):

{
  "cardId": "550e8400-e29b-41d4-a716-446655440000",
  "clickToPayInfo": {
    "status": "NOT_ENROLLED",
    "enrolledAt": "2026-01-15T10:30:00Z",
    "unenrolledAt": "2026-02-06T10:30:00Z",
  }
}

Notes:

Card must be currently enrolled
Returns 400 Bad Request if card is not enrolled

Enhanced Card Details

The existing card details endpoint will be extended to include Click to Pay information:

POST /api/cards/{cardId}

Note: GET endpoint is deprecated. Use POST for card details.

New Response Field:

{
  "cardId": "550e8400-e29b-41d4-a716-446655440000",
  "...": "existing fields",
  "clickToPayInfo": {
    "status": "NOT_ENROLLED",
    "enrolledAt": "2026-01-15T10:30:00Z",
    "unenrolledAt": "2026-01-15T10:30:00Z"
  }
}

Card Issuance Responses:

Card issuance callbacks and responses will include Click to Pay status for auto-enrolled cards

Card Configuration Enhancement

Card configuration endpoints will include:

clickToPaySupported: Boolean indicating whether the card can be added to Click to Pay

Callbacks Payloads

The clickToPayInfo object is included in all relevant card callback payloads.

Requirements & Constraints

Eligibility

Visa cards only (credit)
Mastercard cards (not supported)
Travel Purchasing Cards (not eligible)

Organization billing address

Cardholders will be enrolled with their organization’s billing address implicitly.

Questions? Contact your Partner Success manager or email [email protected]