Key features 

Easy integration 

IDEMIA exposes easy-to-use set of APIs and provide the issuer with a multi-scheme mobile SDK and wallet server to securely store credentials and emulate card during card-present payments.

Wallet Agent SDK certifications 

The IDEMIA Tap & Pay SDK (Android 7+) is compliant and certified by international networks, Visa and Mastercard and for the both functional and security requirements.

Support of multiple schemes technologies 

The IDEMIA Tap & Pay service is designed to support multiple schemes payment technologies, including Visa (VMPA), Mastercard (mChip), Discover (D-PAS), JCB (JCB contactless) and White Label Alliance payment technology (WISE).

Support of co-badged cards 

A card could have two "badges", meaning two payment instruments, usually for domestic and for international payment transactions, or for close loop payment transactions. In such case, two tokens shall be enrolled for the same card. The IDEMIA Tap & Pay service supports co-badged cards configuration, meaning it is possible to provisioning two tokens for the same card into the same device for this particular use case.

Payment flows supported 

Depending on consumer verification configuration and the amount of given transaction the cardholder can perform the in-store transaction in one of the following scenarios:

  • Single tap for low value payment, also for high value payment when online PIN is supported by given implementation.
  • Pre-tap when consumer wants to perform on-device cardholder verification prior to actual payment (i.e. consumer already knows that transaction will be qualified as high value payment).
  • Double tap when after initial tap the transaction is qualified as high value payment, the consumer is requested to perform on-device cardholder verification and tap again.

Security is paramount 

Being one step ahead in security is the key factor for IDEMIA, therefore the IDEMIA Tap & Pay service is designed to reduce the exposure of sensitive data like payment keys by enforcing security measures such as transport and data layer encryption, end-to-end data encryption using AES and RSA keys, mutual SSL or VPN encryption for the transport layer … The IDEMIA Tap & Pay service supports enhanced security feature of White-Box cryptography to enable strongest obfuscation and prevent against any type of security attacks. It provides:

  • Enhanced obfuscation of data and keys stored on the device,
  • Prevention against any type of tampering and reverse-engineering,
  • Strong diversification using randomization and secret algorithms,
  • Secure payment cryptogram generation in controlled white-box environment,
  • Unique keys specific to customer implementation to further strengthen solution security.

QR code technology supported 

While NFC payments are progressing, new methods of token on device such as QR Code has already gained popularity in some parts of the world. The IDEMIA Tap & Pay service and associated SDK is also able to support the provisioning of tokenized QR code for proximity payments in the consumer-presented mode. This use case is possible to implement with private label card issuers.

Activate new features 

By relying on the IDEMIA Digital First Platform Suite and integrating the IDEMIA Tap & Pay service, card issuers can easily access new services and make new features available via their mobile banking app to the cardholders. The IDEMIA Tap & Pay service can be combined with the IDEMIA Issuer to TSP Gateway service to connect issuers to networks TSPs in a unified way.

The IDEMIA Digital First Platforms Suite operate as a multi-tenant cloud system offering issuers a unique interface to activate features from their mobile banking app and for connectivity to Token Service Providers and Token Requestors, for a variety of use cases.