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Digital Card Platform

Transform your customers’ smartphones into NFC payment instruments by incorporating your digital cards. Explore diverse implementation methods based on regional possibilities.

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USE CASES

Digital cards tailored for your target market

Your Own Card Issuer Wallet

Tokenize cards issued by your organization within your own custom-designed secure token data vault. Transform your customers’ smartphones into contactless (NFC) payment devices.

Ideal for markets where global wallets (Apple Pay, Google Pay, etc.) have not yet been introduced

Compatible with Android OS only

Neobank

Utilize cutting-edge Visa and Mastercard technologies to create your neo-banking solution – a bank within a smartphone. You don’t need to be a banking institution yourself – a license from a partner bank usually suffices.

Global Digital
Wallets

Enable tokenization of your organization’s payment cards in global wallets (Google Pay, Apple Pay, Samsung Pay, etc.) and allow your customers to make contactless payments using their smartphones.

Global wallets must be operational in your target market

Compatible with iOS and Android

DIGITAL WALLET PLATFORM FEATURES

Comprehensive card tokenization solution for enabling contactless payments for your customers

Integration with the card issuer's internal systems

Customer Identification and Authorization

Ensure accurate identification and eligibility of your customer for

Tokenization Feasibility Check for Existing Customer Cards

Allow the system to access information about the card's status to determine if digitization is permitted for the card product or associated range

Card Enrollment

The system obtains the encrypted card PAN and validity period, then verifies and re-encrypts the data at the SDK level to request tokenization
Interaction with Tokenization Services (VTS, MDES)

Tokenization

Generation of tokens (Visa Tokenization Service / VTS and Mastercard Digital Enablement Service / MDES). Creation of EMV data. Handling of keys and certificates.

AML, Limits, and Fees Management

Formulate your own or integrate external blacklists. Set up database triggers for post-transaction verification. Create diverse limit types (min/max, turnover, or count). Configure various fee types (% or fixed, min/max, etc.).

Token Lifecycle Management

Activation, deactivation, and deletion of tokens. Card replacement for an existing token. Token activity status checks and notifications.

De-tokenization

De-tokenization and verification of EMV data during transaction query processing. De-tokenization of clearing data.
Interaction with Client Interfaces

Customizable White Label Mobile Application

If you require a personalized white-label mobile app, we can develop one for you. Aligned with your business vision, this custom app allows customers to experience the advantages of card tokenization and payments through your Card issuer wallet.

Wrapper SDK for Existing App

Suppose you possess a mobile banking app, digital wallet app, or any other app to which you'd like to add card tokenization, enabling your customers to make payments from your Card issuer wallet. In that case, we can supply you with the Wrapper SDK to integrate card functionality into your mobile application.

Card Provisioning

One of the requirements for global wallets (Apple Pay, Google Pay) is to facilitate card tokenization through the global wallets themselves and via the card issuers' proprietary mobile applications. With Wallet Factory, card provisioning will be executed swiftly and effortlessly.
THE BENEFITS YOU GAIN

Develop your distinctive, comprehensive loyalty program to enhance customer interactions

Improved Customer Experience

Tap and go – the simplest payment method

Faster Payments

Data transmission speed is significantly quicker compared to conventional transactions using a plastic card

Adaptability

Numerous tokens with unique settings can be created and linked to a single card

Safety

Tokenized payments offer increased security due to contemporary phone authentication techniques such as biometrics, fingerprint, and facial recognition.
Technical Expertise

Utilize the industry's established best practices

Optimal Tech Stack

Access FinTech solutions supported by the most recent and proven technological advancements in product development and design

Experienced In-House Team

Obtain a dependable, well-designed digital platform created, delivered, and maintained by senior IT professionals in software engineering & DevOps

Market Preparedness

Boost your company's time-to-market rates with customer-approved digital solutions, precisely customized to your brand identity and unique business requirements

Comprehensive Approach

Benefit from a sturdy end-to-end platform solution based on all-encompassing strategies and in-depth analytical understanding of your business specifics and customer expectations
WHAT'S INCLUDED

A comprehensive range of features to provide a contactless payment experience for your customers

Confidently depend on Wallet Factory’s extensive portfolio and integration expertise to introduce the finest global practices to your market.

Console administration

Admin console operators management

Authentication

Dashboard

Logging (access, changes, system)

Financial administration

Bank params management

Security keys management

BIN settings management

Card products management

Other settings

Customers and customer apps management

Search, details, editing

Direct messaging

Digitized cards management

App version control

Errors handling

Third-party integrations (depends on project context)

Visa Tokenization Service (VTS)

Mastercard Digital Enablement Service (MDES)

Global wallets (Apple Pay, Google Pay, Samsung Pay etc.)

Core banking systems

Auxiliary service providers