Dubai First, the consumer services platform under First Abu Dhabi Bank (FAB), has become the first issuer in the Middle East to tap Mastercard’s Token Connect to push customers’ tokenized card details from its mobile app to Click to Pay and digital wallets.
The collaboration enables Dubai First cardholders to benefit from Click to Pay services at checkout and comes at a time when consumers are increasingly seeking flexible payment options.
How it works
In compliance with the EMV Secure Remote Commerce industry standard, Mastercard’s Click to Pay tokenizes card credentials or replaces a card’s primary account number with a unique alternative number, or token.
This allows cardholders to shop online and complete the checkout process without the need to manually enter card information or without storing the actual card number with the merchant. The solution is embedded directly within checkout, so all Dubai First cards can be managed in a single profile. Returning users are automatically identified through their device or email, making the process quicker and more efficient for cardholders. Additionally, all details get immediately updated if the card is reissued by the bank.
Another key benefit listed by the proponents of Click to Pay is enhanced payment security for the bank’s customers through tokenization and authentication. As a result, this can drive higher approval rates while reducing fraud and the number of false declines.
