Digital Banking
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...Digital BankingMobile Wallet

Mobile Wallet

Let your customers experience the future of mobile payment with digital wallets

Mobile payment card management tailored to your customers’ needs

Increase your card revenues by offering your customers a state-of-the-art mobile payment experience and added value with G+D Netcetera's highly configurable, fully brandable, and secure mobile wallet.

Our mobile wallet app is available both on Android and iOS and is compatible with global card schemes like Visa and Mastercard. With its toolbox approach, you can select exactly the modules and features that you need. No need to worry about whether your internal development capacities are sufficient to develop an app or if you should start a lengthy and costly project with a third-party provider to come up with a mobile solution from scratch: Our ready-made app enables fast time-to-market and with longstanding domain expertise, we are your reliable partner, taking care of the whole development process from UX design to go-live.

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Awards for our excellent solution

"G+D Netcetera's new identity management solution enabled us to fundamentally modernize our onboarding and lifecycle management processes. The SaaS architecture facilitates our operations."

Rüdiger Mause

Business Owner Digital Factory at Hanseatic Bank

"With G+D Netcetera, we chose a Swiss player with a lot of experience in the mobile space. This also allowed us to further expand our long-standing partnership with G+D Netcetera. With the project, we were able to integrate G+D Netcetera's three products effectively into the overall benefit of our app offering."

Deniz Maden

Head Digital Services bei Banking Services, SIX

Mobile Wallet

A mobile wallet is a digital application or platform that allows users to conduct financial transactions via mobile devices such as smartphones or tablets. It acts as a virtual wallet (also called an "e-wallet") where users can securely store their payment information and use it for contactless transactions.

Payment Cards Management

Our central dashboard for easy access to all card related functions

  • Overview and basic details of all payment cards including card images in your design
  • Securely display sensitive card details (full PAN, PIN, CVC)
  • Easily change card settings (3DS, block/unblock card, set limits, etc.)
  • Supports digitized as well as purely virtual cards and instant issuing

x-Pay

More and more people use their mobile devices for contactless payments. With our x-Pay module, you can keep the customer interface and offer your clients the mobile payment solution of their choice: Apple Pay, Google Pay, and other OEM wallets.

  • Enables customers to tokenize and enroll their payment cards from the secure environment of our app to their favorite wallet without the need to manually enter their card credentials
  • In-app and push provisioning to trigger the enrollment process directly from within our app
  • In-app and app-to-app verification enables additional authentication in our app
  • Direct link to the payment function to initiate mobile payments with a specific card

Click to Pay Push Provisioning

Click to Pay makes it easy for consumers to check out as a guest in online stores. Our Click to Pay Push Provisioning solution allows your customers to enroll their payment cards securely and conveniently directly from our app within seconds.

  • Enables seamless enrollment in Click to Pay directly from our app without the need to manually enter card credentials or cardholder details
  • In-app promotion possibility with customizable widgets
  • Less friction and more security during enrollment with Strong Customer Authentication (SCA)
  • Available for all major card schemes supporting Click to Pay (Visa, Mastercard, etc.)

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P2P Payments

Our future-proof Peer-to-Peer Payments module for fast and easy money transfers

  • Scheme-agnostic front-end functionalities to support P2P payments
  • Compatible with real-time payment schemes, like SEPA Instant Credit Transfer
  • Support of remittee proxies, like phone number instead of IBAN
  • Already successful on the market with the custom solution ZOIN (www.zoin.at)

Authentication

The ToPay Mobile Wallet comes with numerous authentication methods, compliant with latest compliance and technical standards, usable for login as well as for specific in-app use cases (display sensitive card data for example)

  • Login with credentials (user ID, password, PIN), one-time password (OTP) or OIDC
  • Supports OTP via SMS as well as Push Authentication, combinable with other authentication methods
  • Device-dependent biometric login (fingerprint, TouchID, FaceID)
  • PSD II and FCA compliant 2-factor authentication with device binding (SCA)

Transactions

With the Transactions module, customers get an overview of their pending and executed payments on an issuing account or card level and can retrieve all relevant details for each transaction directly in the app

  • Aggregation possibility to see transactions of multiple cards associated to an account
  • Flexible, extendable, and issuer-tailored displaying and categorization options (icons, fees, dates, etc.)
  • User-friendly and extensive search capabilities
  • Enables display of enriched transaction data like merchant details or e-receipts

ToPay 3DS Out of band Authentication

Based on our proved ToPay Mobile Wallet framework we offer an out-of-the-box, PSD II and FCA compliant card transaction authorization solution.

  • White-label single service app for 3-D Secure transaction authorization
  • Integrated Transakt SDK for out-of-band authentication flow
  • Thanks to 2-factor authentication, compliant with current regulatory requirements (SCA)
  • Supports online and offline authentication with QR code

App Takeover Prevention SDK

When the Customer registers to a new mobile phone, our SDK identifies the device and during the enrollment process a link (created by our backend service) is sent to the cardholder. The cardholder can click on the link (available only for a limited time period), enables the device were the registering started in the first place to complete the enrollment.

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Your benefits

White label for easy customization

No matter whether you are a merchant offering payment cards, an issuer, BIN sponsor, or a processor serving several issuers: Experience a smooth and easy design process and multi-branding capabilities

Fast time-to-market

Our ready-to-use app enables fast go-live, plus numerous in-built customization options also allow for product differentiation

Flexible setup and integration

Standard mobile app, custom UI, or third-party modules - with our integration layer we make connection to your backend systems simple

Secure and compliant

Our app complies with the latest security and regulatory standards – from biometric login to payment authorization with 3-D Secure SCA

Recognized reliability

G+D Netcetera is a registered and certified partner of Mastercard and Visa, and part of the EMVCo Board of Advisors co-creating the future payment landscape

Mobile and Digital First

Supporting you in all stages of your customers’ digital payment journey: Enable your customers to acquire, use, manage, and engage with their payment cards on our app

Your customers’ benefits

24/7 self-service

No need to wait on hold or worry about the availability of customer service - with our app your customers have all services always at their fingertips: Block or unblock cards, enroll cards to wallets like Apple Pay, change limits, and many more

Personal Financial Management

Enable your customers to get back in the driver’s seat of their financial management – by setting limits, optimizing notifications, financial overviews, in-app retrieval of statements, etc.

Mobile payment

Payment habits have changed permanently. Our app offers a convenient, safe, and fast option to pay contactless at every card POS using the mobile device’s NFC interface

Enhanced security

Usability and security are not mutually exclusive: Your customers can trigger tokenization of their cards directly within our app to benefit from a safe and convenient online payment experience going forward.

How DACH banks should respond to Mastercard’s new payment integration standard

 

Click to Pay (CtP) is allowing millions of people to make online purchases by tapping a button rather than entering their payment details.

Read the article

Successful co-creation in Digital Banking thanks to Design Thinking

Philipp Zimmermann from Finnova, and Adrian Heydecker from G+D Netcetera, explain how design thinking methods can be used to orchestrate the R&D processes of the various players.

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How banks are balancing customer experience with cybersecurity

How banks protect their customers from increasing cyber-attacks without neglecting the digital customer experience. Read the article by Matthias Salmon on finanz-szene.de.

Read more (DE)

White-label solutions for mobile wallets

Mobile wallets are increasingly important for payments, identity verification, and access to events and transportation. Matthias Salmon explains in the magazine «Karten | cards | cartes» why it is worthwhile for banks to invest in mobile wallets.

Read more (DE)
Article

Wake up and invest in modern banking apps

Neobanks and AI are opening up new possibilities and customer needs that are as colorful as a bouquet of flowers. Read Tobias Ott's article for finews.ch to find out how banks can remain competitive.

Read more (DE)

Our partners

Mastercard

With more than 50 years of experience in payment services, combined with the use of the latest technologies, Mastercard offers an extensive product and service portfolio for banks, financial service providers, and card processors. With the ToPay Mobile Wallet, your customers get access to these Mastercard solutions for contactless payments and mobile card management.

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Visa

Visa connects businesses, customers, and partners through its global payments network. As a certified Visa partner, we help you to implement these intelligent, secure, and user-friendly payment solutions. With our ToPay Mobile Wallet, ToPay Cloud Payment and Apple Pay, we make your Visa cards digitally available to your customers on any mobile device in no time.

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EMVCo

EMVCo evolves and manages specifications and programs that enable card-based payment products to work together seamlessly and securely worldwide. G+D Netcetera was the first in Europe and the second worldwide to adapt EMV® 3DS. As part of the EMVCo Board of Advisors G+D Netcetera is cutting edge in payment services. With our ToPay Mobile Wallet your customers profit from innovations like EMV® Secure Remote Commerce (SRC), also known as Click to Pay, and EMV® Payment Tokenization to make every payment an easy and secure customer experience.

Learn more

Related solutions

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Digital banking developed for Gen Z & Alpha

Netcetera Identity

Efficient and Secure Customer Journeys

Click to Pay Push Provisioning

Break down your check-out process to one click only

AI Banking Assistant

Customer experience elevated with conversational banking

App Takeover Prevention SDK

Empowering Secure Device Onboarding

Product Development as a Service

We transform your ideas into products

FAQ

Can I try the ToPay Mobile Wallet before purchasing?

Yes, you can. Request a demo and you will be able to see how our ToPay Mobile Wallet works before making a decision.

We will be happy to guide you through the main features and benefits of our solution, and to discuss together how you can make the most of it.

FAQ

Is there a G+D Netcetera branding in the app?

No, there is no G+D Netcetera branding. Our white-label wallet comes with several customization options to adjust to your brand guidelines.

FAQ

Is the ToPay Mobile Wallet suitable for both Android and iOS?

Yes, our ToPay Mobile Wallet is available on Android and on iOS.

FAQ

How can I know if the ToPay Mobile Wallet is suitable for our needs?

The ToPay Mobile Wallet allows your customers to:

  • Manage all their credit and debit cards (adjust limits, suspend card, show PIN, …)
  • Use their mobile device for contactless payments
  • Authorize 3DS transactions via biometrics
  • Check the details of all their card transactions
  • Send money to their friends with P2P payment
  • and much more …


As our modular app platform is customizable, we are able to add additional functions that meet your and your customers’ needs.

If you want to learn more, contact us and we will be happy to discuss all possibilities of our app with you.

FAQ

What kind of support will I receive throughout the development process?

You will be guided right from the beginning through the whole process until go-live by our experts. After clarifying your requirements we do an API analysis to ensure your new app fits perfectly into your existing IT landscape. Our experienced UX-team will do the UI customization according to your brand guidelines.

Since we are committed to the highest quality standards, extensive acceptance tests after development and deployment are of course part of our service package. We make sure that the end-product is tailored to your needs and ready to be enjoyed by your customers.

FAQ

How long will it take to build and launch my app?

As we rely on a ready-made and market proven product, we can ensure fast time-to-market compared to individual software projects.

Depending on the scope it takes approximately 4 months to launch ToPay Mobile Wallet as your new app.

Trusted by industry leaders for over 25 years

DebiX+ app roll-out in only 180 days

Deniz Maden, Head Clients & Journeys, SIX

Watch the testimonial

Viseca one: More than 2.3 Mio user.

Markus Coradi, Head Digital Business & Innovation (ad interim), Viseca

Watch the testimonial

Zak: New essential features and significantly more users.

Patrick Kissel, Head of Zak Digital Banking, Bank Cler

Watch the testimonial

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