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.