Digital payment solutions

Over the past decades, the payment industry has undergone an enormous transformation, moving from a purely paper-based exchange, to plastic and metal cards, to payment via mobile phone. Today, digital payments are mainstream, and the industry continues to evolve with services such as cryptocurrency, which is quickly gaining momentum. With each of these evolutions, payment networks and card issuers must adapt to ensure the security of every transaction remains top-notch—whatever the form it takes and whatever the channel.

From physical to digital payments, and the other way round

IDEMIA is a trusted partner of payment networks, banks and other payment card issuers to enable and secure digital payments at scale. Using our digital enablement solutions such as our payment tokenization services our clients have already issued and provisioned hundreds of millions of payment tokens into mobile wallets.

Present throughout the card payment value chain, we make it our mission to be a turnkey technology provider for our clients across the banking and financial ecosystems, as well as for industry newcomers, by regularly offering new digital payment features to transform, ease, and secure the consumer experience. As a longstanding expert in payment cards and products issuance, we also help them make the best of both worlds—from physical to digital, and the other way round.

Digital payment enablement for payment networks

As an established provider in payment tokenization and a frontrunner in EMV SRC Specification implementation for Click to Pay solution, IDEMIA offers an unequalled breadth and depth of services. This technological leadership makes us the preferred partner of domestic schemes and private payment networks when it comes to offering digital enablement capabilities to their partner card issuers or for their own private label cards.

Combining our expertise in advanced cryptography and in the deployment of secure cloud-based services, we embrace all sub-processes needed to prepare and provision a digital card (or payment token) onto a device, or share it with a specific token requestor—be it for proximity or in-app mobile payments as well as for online transactions. IDEMIA also provides all technical components and services for payment networks to run their SRC System and propose Click to Pay checkout option to their cardholders.

Digital-first services for payment card issuers

At IDEMIA, we are convinced that digital-first does not necessarily mean digital-only. In fact, different payment forms can, and do, coexist. In working with payment card issuers, we help them take the best aspects of each to create convenient, unified customer experiences, with real-time, interactive features to pay and manage both physical and digital payment means. IDEMIA offers a set of services enabling banks and other issuers like major retailers to provide their customers with immediate and secure payment options accessible directly from their mobile app, as well as in third-party mobile wallets.

By relying on IDEMIA Digital-first services the card issuer can also blend the trusted and ubiquitous physical card with the interactivity of their mobile banking app. Then, using the same app, cardholders can activate their physical card with just a tap, retrieve their card’s PIN code, request a virtual card to secure remote payments, report a lost or stolen card and get a temporary digital card, and more.