Turn On Click to Pay across Networks with a Single API

Thales D1 is a future-ready orchestration platform that elevates digital payments through seamless multi-channel integration (API, batch automation, and mobile SDK), enabling effortless Click to Pay enrollment and full cardholder control. Scheme-agnostic by design, it ensures compliance with the latest Visa and Mastercard mandates without added complexity, accelerates time-to-value through unmatched setup efficiency, and is already shaping the next generation of secure, passwordless commerce with Payment Passkeys.

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Why Thales to implement Click to Pay?

Thales D1 brings Click to Pay to every cardholder with a single integration. With Thales D1, add Click to Pay as Card-Level feature to your entire portfolio, with no extra engineering, no customer effort. Help cardholders to also keep their credentials always up-to-date, perfect for smooth and secure Checkout experiences.

One integration. Full compliance

Leverage a single Thales D1 API connection for continuous, automatic, and scheme-agnostic mandate updates.

Simplify enrollment at scale

Accelerate cardholder activation with streamlined ready-to-use workflow templates.

Predict costs. Reduce risk. Maximize value.

Gain clarity and control with a transparent, predictive cost model designed to support smarter planning today and tomorrow.

Built to power cardholders’ enrollment at scale

Unified API with Built-In, Scheme-Agnostic Compliance

Manage every scheme interaction through one unified Thales D1 API—no regional variations, no custom builds. Compliance updates run automatically behind the scenes, keeping you fully aligned with evolving mandates at all times.

Cardholder Lifecycle Orchestration

A complete, end-to-end framework covering every touchpoint of the cardholder journey—from first enrollment to ongoing engagement and lifecycle events—designed to deliver seamless, scalable user experiences.

Ready-to-Deploy Global Workflows

Leverage preconfigured workflows built for issuers, processors, and fintechs worldwide. Deliver fully compliant, country- and scheme-specific experiences with minimal integration effort.

Auto-Enablement for Mastercard & Visa Click to Pay

Thales D1 enables effortless auto-enrollment for both Mastercard and Visa Click to Pay through certified, automated workflows. As a Visa-certified Third-Party Enabler, the platform handles enrollment, updates, and compliance end-to-end, ensuring fast, compliant activation with zero operational friction.

Use Cases

Automatic enrollment of entire card portfolio to Visa’s and Mastercard’s Click to Pay servers via Thales D1 Registration & Batch Processor—leveraging Thales’ ability to process files and seamlessly load a huge number of cards to the schemes’ directories without any proactive effort demanded from issuers.

Cardholder data update in schemes’ servers from the issuer's mobile app via Thales D1 SDK – allowing each user to keep their assets up to date in C2P directories, ready to be used at checkout.

Manual re-enrollment or Opt-out via Thales D1 C2P API initiated from issuer’s back-end systems.

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