Keep control of all the digital touchpoints of your customers’ payment experience by enabling your mobile app to carry out contactless payments

• Our HCE tokenization solution for Android devices is independent of manufacturers and Google Pay – all data remains private and stays in control of the customer
• Enables payment card digitization using a pre-defined SDK and backend operated according to the latest security standards
• Easy and fast integration into your existing app or as part of our ToPay Mobile Wallet to activate NFC payments immediately and independent of OEM wallets on any Android device
• Fully certified by major card networks like Mastercard and Visa and ready to add more token services
   

We also offer this feature as an SDK, which can be easily integrated into your existing app.

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

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)

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

Customers are increasingly environmentally conscious. With our white-label feature, we offer the opportunity to make the ecological consequences of individual consumption transparent on the basis of transaction data and to show possible solutions.

• Calculation and display of CO2 emissions, freshwater consumption, and corresponding social costs based on the customer's transaction data
• View the carbon footprint in different categories on a monthly and card basis in our Climate Dashboard
• Possibility to offset the CO2 footprint by investing in certified, sustainable projects (e.g. reforestation)
• Awareness raising and playful education using tips and gamification functions
   

We also offer this feature as an SDK, which can be easily integrated into your existing app.