Tokenization & Mobile Payments

Certified innovative Visa (VTS), Mastercard (MDES) and Rupay (NPCI) tokenization services

Our HCEWALLET API are integrated with Token Requesters (TR) mobile apps to provision digital card tokens on mobile devices. Users use SWIM (Software Wireless Identity Modules) Digital Identities enabling strong customer authentication (SCA)!

Our state-of-the-art hosted Software as a Service (SAAS) infrastructure supports card issuers and other corporates (wallet providers, transport, telecom and retailers) to offer HCE digital cards, ecash and loyalty payment methods to mobile wallet users.

Our SWIM (Software Wireless Identity Module) product service is the major security component in our clients’ smartphone payment and messaging infrastructures. SWIM Mobile Apps provide strong cryptographic security to a wide range of applications and services on mobile devices. Strategically we are the first implementers of the SWIM secured mobile payment platform. Our hosted wireless MAP (Mobile Application Platform) wallet server is the most advanced HCE EMV card/token issuance payment platform for all kinds of card/token issuers!

We manage for our customers HCE SWIM Mobile Apps on consumer NFC (Near Field Communication) smartphones, which securely store HCE card tokens as an alternative to carrying physical cards.


Standards based Payments and Tokenization Platform

Our HCE SWIM digital currencies and card tokens applications comply with HCE, EMV, PKI, UPI and digital cash Blockchain mobile payments standards. We also comply with Payment Card Industry Data Security Standard, PCI-DSS, to securely deliver end-to-end mobile payments.

HCE SERVICE Applications

We handle sensitive payment cardholder data securely within our PCI-DSS data centres conforming to the latest payments and security standards promoted by Visa, MasterCard and RuPay card networks, EMVCo and PCI Council.

Visa, Mastercard and RuPay Digital Card Accounts

HCE (host card emulation) technology secures payments and digital card accounts in our customers mobile apps connected to our cloud HCE SWIM MAP tokenization service. There is no need for a “secure element” hardware device inside the mobile phone! HCE allows consumer mobile payments at physical NFC contactless payments terminals, QR and Bar Code enabled mobile and web merchant sites, while still retaining the highly desirable “card present” transaction status.

As a Token Service Provider (TSP) we work with all card networks (including Visa VTS, Mastercard MDES and NPCI RuPay credit, debit and prepaid card tokenization services. Our TSP is compatible with EMVCo tokenization standards. Additionally, our TSP is functionally rich to provide proprietary in-house private-label card tokenization to our issuing clients.

In-store, Online and In-App Transactions

Our HCE SWIM MAP cloud TSP platform enables any Token Requestor (TR) app on most types of smartphones to perform NFC, web and In-App payments. In-App online purchases with EMV token credentials are 2FA secured via digital identities (SWIM IDs) providing Strong Customer Authentication (SCA).

Ready for Global Mobile Payments Business

Our production managed service is PCI DSS certified, and our technology solution is TR (Token Requestor) and I (Issuer) TSP Visa/Mastercard/RuPay ready for provisioning digital card accounts tokens directly on remote mobile wallet apps.

UPI Peer-to-Peer Bank Payments

Our TSP platform provides peer-to-peer bank account payments and open banking APIs (Application Program Interface) within smartphones which integrate with CBS (Core Banking System) and CMS (Card Management System). Making peer-to-peer account payments, adding accounts, applying for loans, inquiring transactions, making inter-bank, intra-bank and third-party payments are just some business functions that can now be provided by banks.

Ecash Blockchains

We can support crypto-currencies (such as Bitcoin and other proprietary Ecash Accounts) supported on integrated private blockchains enabling secure zero-cost mobile payments.


HCE SWIM Mobile Cloud Product Family

Experience our mobile cloud platform enabling tokenization and mobile payments…

We securely process sensitive payment cardholder data within our PCI DSS (Payment Card Industry Data Security Standard) secured data centres located globally.

Standards based Foundation

  • Strong Customer Authentication & 2-Factor Authentication (SCA and  2FA)
  • PKI (Public Key Infrastructure) “SWIM” digital identities (Software Wireless Identity Module),
  • HCE (Host Card Emulation) tokenization,
  • EMV (Europay, Visa and Mastercard),
  • UPI (Unified Payment Interface) bank account payments,
  • Bitcoin (and other Digital Currencies) on Blockchains,



We propose HCE, EMV, PCI, PKI, Bitcoin, Ecash and Loyalty Blockchain Solutions

We deploy PKI and PCI data security standards in order to securely deliver smartphone based mobile payments. We handle sensitive payment cardholder data within our PCI secured data centres conforming to the latest Industry payments and security standards promoted by Visa and MasterCard card schemes, EMVCo and the PCI Council.


HCESERVICE provides PKI secured tokenization and mobile payments services supporting Card Schemes such as Visa,  MasterCard and RuPay based on Host Card Emulation (HCE) standards.


Loyalty Incentives to drive HCEWALLET Mobile App in India launch soon!

HCEWALLET our client is soon launching digital card accounts based loyalty voucher programme within India for consumers to safely purchase e-commerce online and retail vouchers from Brands such as Flipkart.com, Amazon.in, Shoppersstop.com,  Lifestylestores.com, Central Mall, Baskin Robbins, Arrow, Mega Mart, and many more. Indian consumers will be able to download HCEWALLET Apps from Google Play …