What are the key benefits of this service?

• A simple and seamless checkout experience.
• Advanced security through tokenization technology and device verification.
• Faster online purchases.
• Flexible one-time registration process.
• Accepted and used by leading merchants worldwide.
• Supports the use of Visa and Mastercard Cards.
• Free of charge: No fees on registration or usage.
• Shariah-compliant: The service operates under the supervision of the KFH Shariah Supervisory Board. It is a technological payment solution that does not alter the Shariah nature of your card.
• Available across all your devices: The service is linked to you as a user, not a specific device, allowing you to use it from any device, wherever you are.

How to setup Click to Pay?

1.    Log in to the KFHOnline mobile application.
2.    Select “Cards” and choose the Card you wish to register.
3.    Select “Activate Click to Pay”.
4.    Confirm your email address and mobile number, then enter the verification code (OTP) sent to you.
5.    Your card is now ready to use at all merchants displaying the Click to Pay icon.

You can also find these steps in the KFH App under the Cards Services section by selecting Click to Pay.

Terms and Conditions applies

What is Click to Pay?

Click to Pay is a new service available for eligible KFH Visa & Mastercard Cards. It enables you to complete your online purchases quickly and securely without having to enter your card details every time you shop. The service is based on the global EMV® Secure Remote Commerce (SRC) standard for secure online payments.

How does the service work?

There's no longer any need to fill out lengthy checkout forms or manually enter your card number for every online purchase. When you see the Click to Pay icon at checkout with a participating merchant:
1.    Enter your email address.
2.    Verify your identity using a One-Time Password (OTP) or biometric authentication.
3.    Select your card.
4.    Confirm your payment, and you're done.

How is Click to Pay different from a digital wallet?

A digital wallet (such as Apple Pay) is typically linked to your device. Click to Pay, however, is linked to you as the user, allowing you to make secure online purchases from any compatible device, including your smartphone, tablet, or computer.

Is Click to Pay a new card or an additional feature?

Click to Pay is a feature of your existing card, like contactless payment. You do not need to apply for or receive a new card.

How do I pay using Click to Pay?

1.    When checking out at an online store, look for the Click to Pay icon.
2.    Enter your email address. If you have enabled the Remember this device option, the system will recognize you automatically.
3.    Verify your identity using a One-Time Password (OTP) or biometric authentication.
4.    Select your KFH Visa/ Mastercard Card and confirm the transaction.
5.    You will receive an instant transaction notification as usual.

How do I register for the service?

You can register for Click to Pay using any of the following methods:
•    During checkout with a participating merchant.
•    Through the Visa/Mastercard Click to Pay website.
•    KFH may also enroll your eligible card on your behalf.

What information is required to register?

To register, you will need:
•    Your email address and/or mobile phone number.
•    Your card details.
•    You’re billing and shipping addresses.

Is the service available on all my cards?

The service is available on eligible KFH-issued Cards, including credit, debit, and prepaid cards, as determined by KFH Visa and Mastercard.

Can I add cards issued by other banks?

Yes. Your Click to Pay profile can include eligible cards issued by multiple banks.

Are there any fees?

KFH does not charge any fees for registering for or using the Click to Pay service.

What happens if my card expires or is replaced?

In most cases, your card details will be updated automatically, so you won't need to add your card again. If you prefer not to have your card information updated automatically, you can remove the card from your Click to Pay profile.

Is the service secure?

Yes. Your card number is replaced with a secure digital token (Token), so your actual card number is not shared with the merchant. Transactions are also authenticated using a One-Time Password (OTP), biometric authentication, or 3D Secure authentication.

What are Passkeys?

Passkeys are authentication methods available on your device, such as your fingerprint, facial recognition, or your device passcode. Your biometric data and device passcode remain securely stored on your device and are never shared. You can choose to enable or disable Passkeys at any time.

What is the "Remember this device" feature?

"Remember this device" is an optional feature that allows you to be recognized more quickly when making future purchases. You should only enable this feature on devices that you own and control. You can disable it at any time.

What are my responsibilities as a cardholder?

•    Keep your email address, passwords, and authentication credentials confidential.
•    Protect your devices from unauthorized access.
•    Ensure that your personal information is accurate and kept up to date.
•    Notify KFH immediately if your card or device is lost or stolen, or if you suspect any unauthorized use.

What should I do if I lose my device or suspect that my account has been compromised?

Contact KFH immediately through the Contact Center on 1803333 and remove your card from your Click to Pay profile or delete your account.

What information is collected and used?

Visa/Mastercard processes information including your email address, mobile phone number, payment account number, card expiry date, cardholder name, and you’re billing and shipping addresses.

Who is my information shared with?

Your information may be shared with KFH Visa, Mastercard, participating merchants, and relevant third parties for the purposes of processing your transaction, verifying your identity, preventing fraud, and determining your eligibility for card benefits, such as rewards points.

What are my rights as a KFH customer?

1.  You may unsubscribe from the service at any time.
2.  You may withdraw your consent or request the deletion of your personal information.
3.  You may exercise any other privacy rights available to you under applicable laws.
4.  If you believe your personal information has been processed unlawfully, you may submit a complaint to KFH.

How long is my information retained?

Your information will be retained for as long as necessary to fulfil the purposes described above and for any additional period required or permitted by applicable law.

Is the service compliant with Islamic Shariah principles?

Yes. The service operates under the supervision of the Shariah Supervisory Board of Kuwait Finance House (KFH).

Does the service change the nature of my card?

No. The service is only a technological solution that enables payment processing and does not create any new financing relationship.

Are there any usage restrictions?

Yes. You agree not to use the service or the card for any transaction prohibited under Islamic Shariah principles or applicable laws.

I have an issue with a merchant/store. What should I do?

Please contact the merchant first. The service facilitates the transaction; however, the purchase or return of goods and services is a matter between you, KFH, and the merchant directly. Visa/Mastercard is not a party to the transaction.

Is KFH responsible if a merchant refuses to accept my card?

No. KFH is not responsible for any action or failure to act by any merchant, including the merchant's refusal to accept your card through the service.

How can I unsubscribe from the service?

You can unsubscribe at any time by:
•    Removing a card from your Click to Pay profile.
•    Disabling the "Remember this device" feature.
•    Deleting your account completely.

You can do so through the merchant's website, the Visa/Mastercard website, the KFHOnline application, or by contacting KFH.

The service is subject to the Click to Pay Terms and Conditions and the Cardholder Agreement. In the event of any conflict between these FAQs and the applicable terms and conditions, the terms and conditions shall prevail.