Digital Payment Solutions

 
 

NFC Issuer wallet

Easily deploy your own NFC Mobile payment solution

Issuer TSP HUB

Simplify the launch of Apple, Google and Samsung Pay

EMV QR CODE

Multiply your payment options with a secure EMV QR code solution

 

 

NFC Issuer wallet

We’ve all been using “Tap and Pay” technology for several years now. But paying with a physical credit or debit card could soon be a thing of the past due to the prevailing usage of smartphone. Banks and card issuers have a key digital asset with their Mobile Banking applications. Payment remains a strategic part of the customer relationship with daily engagement.

Now, Banks have a unique opportunity to digitize cards on the mobile and enrich their android banking app with secure NFC payments (based on HCE – Host Card Emulation technology). Industry consensus around Card Digitization is strong. Digitized cards are easier to deliver, faster to replace and cheaper, unlocking unlimited potential for Banks’ value-added experiences like: instant issuance on the mobile, real-time digital card management, credit-based payment options…

Antelop offers a white-label NFC issuer wallet transforming your banking application into a secure NFC mobile payment solution with your own brand and visual identity. It comes with a certified multi-scheme SDK supporting major card schemes (Visa, Mastercard and CB). Instant card digitization can be in-app and is performed through our PCI DSS cloud platform directly connected to schemes tokenization.

The SaaS solution is already certified Visa VTS, Mastercard MDES and CB for a simplified launch. You just need to integrate our SDK with Antelop agile support, usually in less than 2 months. To ease integration and reduce time-to-market, Antelop can also provide a white-label user interface or application with your own look and feel.

Your customers can now “Tap and Pay” with their banking app, without any payment limits and any data connection. Just tapping the phone on the POS terminal awakes your app. The solution natively includes Strong Customer Authentication (PIN, fingerprint, unlock-device, facial recognition) that can be setup for payment depending on transaction amount

 
NFC Issuer wallet transaction
 

Leading certifications

Antelop is Visa VTS, Mastercard MDES and Cartes Bancaires (CB) certified, relying on schemes tokenization.

The company reached unique multi-scheme certifications (among the Top 2 worldwide), with live implementations from T1 banks to smaller issuers in several geographies.

Highest security

Antelop is among the very few with highest security compliance from card schemes: Visa, Mastercard and Cartes Bancaires (CB).

Please refer to our dedicated Security section

 

ISSUER TSP HUB

 

The “digitized card” ecosystem has recently been stabilized by card schemes tokenization. Schemes centralized Token Service Providers (TSPs), like Visa VTS and Mastercard MDES, ensure secure card digitization replacing a PAN (Primary Account Number) by a token dedicated to a specific use case, dramatically reducing fraud.

Now banks just need to connect to schemes’ TSPs to onboard any digital payment innovation like OEM Pays (Apple, Google, Samsung Pay…), NFC Issuer wallets, ecommerce tokenization… But their existing card systems can be a challenge for such innovation: legacy Card Management Systems – CMS, gaps between debit, credit and prepaid, complex ISO integration, multi-scheme support and frequent evolutions…

Antelop Issuer TSP Hub:

  • provides a unified connectivity for issuers to schemes tokenization: Visa VTS, Mastercard MDES and CB

  • handles all secure communications from Card enrolment (push-provisioning, PAN entry OTP based…) to Token lifecycle management through a single set of APIs

  • offers unified Token management tools (multi-scheme, multi-device, multi-use case)

  • simplifies your launch of any use case: Apple, Google, Samsung Pay, your Bank Pay…

  • brings agility, better time-to-market and high level of adaptations

  • limits TSPs dependency

The PCI DSS SaaS solution is already certified Visa VTS and Mastercard MDES for issuers (among the Top 2 worldwide), and live with several use cases (e.g. Apple Pay).

 
Issuer TSP Hub diagram
 
 

 

EMV QR CODE

Much like the known “tap and pay” solution that is now being accepted by more and more retailers, the EMV QR code brings about another practical and simplified transaction solution. Once you have setup your own QR code payment solution, it enables your customers to pay by scanning the code present at the point of sale. Compatible with web shopping, it is composed of 2 major steps for the consumer (scanning and authenticating for security purposes), putting it in the list of solutions that allow for swift and secure payments.

Antelop mobile SDK handles security, business logic, QR code generation and scanning, compatible both Android and iOS. Mobile device management and credentials provisioning are handled through Antelop cloud platform. This platform relies on a third-party account-holding institution or integrates to your processing system to debit/credit customers and merchants accounts. Based on tokenization to secure sensitive data transactions, it can either rely on an internal TSP or on schemes systems (e.g. for Masterpass QR or mVisa). The whole service is API-driven and enables custom implementations including for Point of Sale integration.

Merchant presented QR code
 

Merchant presented QR Code

Static QR code

The static QR code is delivered to the merchant, printed and displayed at the Point of Sale. The Customer then scans the code and enters the transaction amount. The customer proceeds to authentication on his smartphone to finalize the payment. Final step, the retailer is notified of the transaction amount.

Dynamic QR Code

The retailer enters the amount and displays a dynamic QR code on a screen. The customer opens the app and scans the merchant’s code. Similar to the static option, the customer is required to authenticate. Finally, the retailer receives the payment confirmation and the transaction is complete.

Customer presented QR Code
 

Customer presented QR Code

The customer enters amount and proceeds to authentication on his device which then displays a dynamic QR code. The merchant then scans the QR code using a barcode scanner or an application. The transaction is now authorized and the customer is notified.