Token-based Digital Payments

Easy and secure token-based payments in-store, in-app and on the web

Payments with digital devices are an important part of the digital transformation of our clients. As one of the fastest growing payment methods globally, they also pose substantial challenges for security and deployment models.

Tokenization is a concept that has great potential to increase the protection of digital payment credentials while preserving the interoperability of the ecosystem.

equensWorldline provides a unified approach for token-based payments in stores, in apps and on the web, for domestic and international card schemes. We facilitate the integration of major Tokens Service Providers with our issuing systems and offer a token requestor function for digital wallet providers.

Our services are compliant with industry regulations and standards. Domestic payment schemes can opt in for token vault and data digitization modules.

Functionalities

Token-based Digital Payments solution is incorporating all major releases of the schemes Tokens Service Providers in a timely manner. It also provides additional features, on top of industry standards, via embedded authentication module and proprietary concepts.

Functionalities are made available through a set of equensWorldline Application Programming Interfaces (APIs). Besides the APIs we offer default and optional modules helping you to provide a complete service to your customers.

APIs
Our APIs allow you to manage the full lifecycle of token-based payments, offering functionalities such as:
- Eligibility checking
- User enrollment
- Provisioning and activation
- Lifecycle management
- Notifications and user messages
- Reporting and history
Default modules
- Software Development Kit (SDK)
- Token Requestor Server
- Extranet tool
Optional modules
- White label app
- Token vault
- Transaction validation
- Data digitization module
- Wallet functionalities

Value for our clients

End-to-end services resulting in reduced project costs and integration impacts
Major scale deployments, multi-region and multi-tenant support
High degree of configurability and flexibility
Future-proof deployment models using hosted modules and API approach

Client reference

Postbank chose equensWorldline’s mobile payment solution to offer its customers the option to pay with their smartphones using NFC technology. The bank is one of the first on the German market to introduce Visa credit card payments based on Host Card Emulation (HCE) technology.

Read press release

Wolf Kunisch, COO and Deputy CEO at equensWorldline

When it comes to payments, end customers are calling for new, mobile and intuitive solutions. We are delighted to support Postbank with our NFC solution for Android smartphones. With our mobile payment platform, Postbank is offering its customers an innovative solution for card-based payment transactions.

They trust us

Contact our expert

Cezara Ceobanu Product Manager Mobile Payments

Cezara Ceobanu is the product lead for mobile NFC payment solutions as well as tokenization services. She has over 10 years of experience in financial services industry, covering roles in product development, marketing & sales and operations. 

T  + 32 495 59 86 30

Mail Cezara