Visa Click to Pay is a secure online checkout experience that allows cardholders to pay without repeatedly entering card details. It uses tokenisation and Visa authentication to improve security and reduce the opportunity for fraud.
Like contactless payments, Click to Pay works automatically with your existing cards – no additional setup is required.
Click to Pay is available from 2 October 2026.
How it works
When shopping online, select Click to Pay at checkout, enter your email address or mobile number, verify your identity using a one-time code, and choose the card you'd like to use for payment.
Your choice
Click to Pay is optional. If you'd prefer not to use the service, you can continue entering your card details manually when making online purchases.
Keeping your details up to date
Your email address or mobile number helps identify your Click to Pay profile and support secure checkout. If your contact details change, simply update them through your Mobile Banking app, Internet Banking, or call us on 13 8777.
Click to Pay – step-by-step experience
You can use Click to Pay with eligible Card(s) wherever it is supported by the Merchant and the Click to Pay icon is displayed.
Email address or Mobile phone number is the primary alias used to create your Click to Pay profile. You may have more than one card linked to your profile.
Benefits of Click to Pay
Faster checkout experience
Improved security through tokenisation
Reduced need to enter card details online
Frequently asked questions
View all Click to Pay FAQsVisa Click to Pay is a secure online checkout experience that allows cardholders to pay without repeatedly entering card details. It uses tokenisation and Visa authentication to improve security and reduce friction.
Eligible Visa cards are automatically enrolled. Cardholders do not need to register or take any action.
No, you didn’t need to sign up. Your card was securely enrolled so it’s ready to use if you choose to. If you do not wish to use Click to Pay, please contact us and we will process your request to opt out of the service.
No. To use Click to Pay it does not require cardholders to download an app, create an account, or proactively enrol.
Yes, it’s designed to be secure. Your card details aren’t shared with the merchant, and a one-time code is used to confirm your payment.
You can use Click to Pay at online stores that support it, just look for the Click to Pay option at checkout.
No, it’s completely optional. You can continue entering your card details manually if you prefer.
What is the $0.00 transaction I can see on my account?
As part of the Click to Pay enrolment process, Visa performs a $0.00 authorisation-only check to verify that an eligible card can be successfully enrolled. This transaction is a validation check only and is not a purchase or payment.
Why is Visa performing this check?
The validation allows Visa to confirm that the card is active and eligible for Click to Pay before completing the enrolment process. This helps ensure a secure and successful enrolment experience.
Will I be charged?
No. These transactions have a value of $0.00 and do not result in any funds being debited from your account.
Why is the transaction showing as "pending"?
Depending on the card, the validation check may appear as a pending transaction for a period before automatically clearing, though no action is required.
Why can I see more than one $0.00 transaction?
In some circumstances, multiple validation requests may occur during processing.
How we
can help
Contact us
You can contact us by calling us, visiting us, making an appointment, using Web Chat or Secure Mail.
Call us
We’re here to answer any questions you might have – make sure you have your Access Code ready!
Visit us
Our friendly staff at 400 King William Street, Adelaide can help you with all your banking needs.
FAQs
General enquiries & FAQs
INFORMATION YOU SHOULD KNOW
This article is intended as general information only and has been prepared without taking into account the personal financial situation, objectives or needs of the reader. Before acting on this information, you should consider its appropriateness, having regard to your objectives, financial situation and needs. You should always seek professional advice or assistance before making any financial decisions.