Digital Card

Concept Definition

Consumers expect speed, convenience and control when paying. Digital Card services provide secure ready-to-use payment options available on the phone in seconds. All payment needs come together in a mobile app, where consumers can shop online, pay in store with tap to pay, and manage credentials in one trusted place.

They do not replace physical cards, they augment them. With features like Tap to Phone, the card and smartphone connect seamlessly for activation, payments and authentication in a single tap. This creates a unified experience that strengthens engagement while helping issuers adapt in today’s world.

Use Cases

Secure Card Display

Enable consumers to view PAN, CVV, expiry, or PIN on their smartphone. Allow instant card usage and PIN generation or recovery.

Virtual Card

Generate single-use or reusable virtual cards for e-commerce, subscriptions, or corporate spending.

xPay Wallets

Push cards into Apple Pay, Google Pay or Samsung Pay.

HCE Wallet (Tap & Pay)

Support contactless payments directly in your mobile app on Android or iOS.

Mobile Authenticator

Secure payments or operations with multiple authentication factors: PIN, biometrics, trusted device, or a card tap.

Service Benefits

Secure Card Display

Enable consumers to view PAN, CVV, expiry, or PIN on their smartphone. Allow instant card usage and PIN generation or recovery.

Virtual Card

Generate single-use or reusable virtual cards for e-commerce, subscriptions, or corporate spending.

xPay Wallets

Push cards into Apple Pay, Google Pay or Samsung Pay.

HCE Wallet (Tap & Pay)

Support contactless payments directly in your mobile app on Android or iOS.

Mobile Authenticator

Secure payments or operations with multiple authentication factors: PIN, biometrics, trusted device, or a card tap.