A global e-commerce checkout standard that simplifies and secures online card payments across merchants, devices, and browsers. Governed by EMVCo, SRC replaces fragmented, form-heavy checkout experiences with a consistent, network-level payment flow. SRC allows consumers to store card credentials in a secure payment profile managed by the card networks rather than by individual merchants. At checkout, shoppers authenticate, select a saved card, and complete payment without re-entering card numbers or billing details. Transactions rely on network tokenization, ensuring real card data is never exposed to the merchant.
How SRC Works
Consumers store card credentials in a secure payment profile managed by the card networks. At checkout, shoppers authenticate, select a saved card, and complete payment without re-entering card numbers or billing details.
- Payment profiles: Managed by card networks, not individual merchants.
- Network tokenization: Ensures real card data is never exposed to the merchant.
Benefits for Merchants
SRC reduces checkout friction, improves mobile conversion rates, and lowers fraud risk while minimizing PCI compliance scope.
- Reduced friction: Simplifies the checkout process.
- Improved conversion rates: Enhances mobile conversion rates.
- Lower fraud risk: Minimizes exposure to fraud.
- PCI compliance: Reduces the scope of PCI compliance requirements.
Benefits for Consumers
SRC delivers faster checkout, consistent experiences across sites, and stronger protection of payment credentials.
- Faster checkout: Completes payment without re-entering card numbers or billing details.
- Consistent experiences: Provides a recognizable and consistent checkout experience across participating merchants.
- Stronger protection: Ensures stronger protection of payment credentials.
Consumer-Facing Expression
Most consumers encounter SRC through branded experiences such as Click to Pay, including implementations from Visa.
- Click to Pay: The consumer-facing expression of the SRC standard.
- Recognizable experience: Offers a consistent checkout experience across participating merchants.
Governance and Standardization
Governed by EMVCo, SRC represents a shift toward standardized, secure online payments.
- EMVCo governance: Ensures standardization and security.
- Standardized payments: Enables faster, safer transactions without sacrificing merchant control over the surrounding checkout experience.
