Financial Institutions (FI), corporates and merchants provide secure mobile payments to their end user customers to increase sales, while balancing fraud prevention and user experience.

HCESERVICE proposes device fingerprinting, strong customer authentication (SCA), and real-time digital currencies, cards and banking services. Bank card issuers, 3-party wallet providers, Payment Service Providers (PSP), merchants or corporates, are our client focus. Our propositions include HCE (host card emulation), UPI (account-to-account unified payment interface) and Bitcoin E-cash digital currency services.

Our technology platform enables mobile payments and loyalty for all cards and bank accounts for proximity, in-app and online purchases. We can deliver mobile payments services via an outsourced white-labelled SAAS (Software as a Service) or we can deliver you our HCE SWIM MAP (mobile application platform) for you to own and operate on an Annual Recurring Licence basis. 


Visa and Mastercard Digital Card Accounts

HCE (host card emulation) technology secures payments and other digital card accounts in the mobile app connected to our cloud HCE SWIM MAP tokenisation service. There is no need for a “secure element” hardware device inside the mobile phone! Supported by Visa and MasterCard, HCE allows consumer mobile payments at physical merchants using NFC and technologies, such as QR Code and Bar Code, while still retaining the highly desirable “card present” transaction status.

As a Token Service Provider (TSP) we work with all card and network types including Visa/Mastercard credit and debit, private label, and prepaid cards. Our TSP is compatible with EMVCo and integrated with HCE Visa and MasterCard tokenisation platforms (namely, VTS and MDES). Additionally, our TSP is functionally rich to provide proprietary in-house card tokenisation for our clients.

In-store, Online and In-App Transactions

Our HCE SWIM MAP cloud TSP platform enables any app on most types of smartphones to perform payment transactions with Near Field Communication (NFC), Host Card Emulation (HCE), or barcode at the point of sale. We also power In-App purchases and online transactions with EMV tokenisation credentials together with digital identities (SWIM IDs) providing Strong Customer Authentication (SCA).

Ready for Global Mobile Payments Business

Our production environment is PCI DSS certified, and our technology solution is TR (Token Requestor) and I (Issuer) TSP Visa/Mastercard ready for provisioning and personalization of digital card accounts directly in clients own mobile wallet apps.

Bitcoin and E-cash Blockchains

We provide Bitcoin and proprietary E-cash Accounts trading. We offer digital wallet currency capability on a private blockchain platform for making secure, zero-cost payments around the world for individuals and businesses. We provide mobile HCEWALLET Apps that your end user customers can use to send and receive money worldwide in multi-currency.

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.