Sparkassen to Add Click to Pay and Retire S‑ID‑Check App
Tokenized Click to Pay replaces merchants' card numbers to simplify checkout and lower cart abandonment while Sparkassen shifts payment approvals into its S‑pushTAN app.
Overview
- S-Payment has scheduled Click to Pay for 22 November 2026, which will let eligible Sparkassen credit cards and co-badged Debit Mastercard or Visa cards pay at participating online merchants without entering card numbers.
- Sparkassen plans to shut down the S‑ID‑Check app around 31 January 2027 and move 3‑D‑Secure payment approvals into the existing S‑pushTAN app so customers use a single app for banking and card authorizations.
- Customers must register eligible cards in the new Click to Pay flow and ensure their cards are set up for approval in S‑pushTAN before the S‑ID‑Check shutdown or they risk failed online payments when extra verification is required.
- Detailed activation steps for Click to Pay have not been published yet, and Sparkassen warns users to follow official app or bank channels and ignore unsolicited messages because fraudsters may try to exploit the migration.
- Click to Pay uses tokenization to give merchants a digital token instead of the real card number, which Sparkassen says should speed checkout and reduce cart abandonment while boosting card transaction revenue for the banks.