EMV Tokens are digital proxy cards linked to actual physical EMV cards, used for Digital Wallets today and increasingly for online payment at eMerchants in the near future. EMV Tokens protects their associated physical card credentials from being stolen and ensures the independency between the different digital cards.

EMV tokens are paramount to the success of leading OEM wallets, in smartphones and wearables. Use Cases for tokenization are set for an exponential growth with eCommerce, where real card data stored by the merchants will be replaced by EMV Tokens.

The number of EMV tokens issued is set to grow by a factor 10 by 2023.

Actual Cards on File replacement by EMV Tokens for eCommerce is set to become the main driver for EMV tokenization growth, beyond Digital Wallets and leading OEMs Pay solutions for NFC proximity Payments and in-app purchases.

Enabling a new era of Services in Digital PaymentsWith EMV Tokenization

All my merchants managed from one place in my Bank mobile app and web siteIssuers and Processors of Visa and MasterCard cards foresee the future of Digital Payments as a Service eco-system whereby Users are empowered to manage their preferred devices and their preferred eMerchants via their mobile application or via a web browser. EMV Tokens life-cycle management directly from the Bank mobile application and web site opens this new age of Digital Payment Services.

No more card expiration date requiring to re-enter my card data for my online subscription accounts

Cards False-Positive decline has hit 24% of GenerationY customers at least once in the last 12 months, leading to customer un-satisfaction and loss of sales. Transactions get rejected for no good reasons, simply due to risk management software evaluating a given card as risky. Cards replaced by EMV tokens for such transaction will solve that issue.

Connect once for a scalable Multi-Channel strategy

For Banks who has already deployed Mobile Payment with Apple Pay, Samsung Pay or Google Pay, expansion means more devices and Tokenization for eCommerce.

Some banks may prefer to launch first their own digital wallet or add the payment functionally to their mobile application.

Some Banks may start straight with eCommerce using Tokenization to replace Card-on-File, then expand to Digital Wallets.

Whatever your strategy, integrate once to Gemalto TSH to target all the payment channels and tokenization systems.

A Completely new User Experience empowering your customers

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Innovation is accelerating at an incredible pace in Digital Payments. Banks and Processors need partners who can help them get the most of those new technologies while meeting their below needs:

By developer and for developers: the Developer Portals has been designed to hide the complexity of the integration.

A cloud-based environment to deploy your Digital Payment Services

A Development Portal to cut your integration efforts by 2:

A SaaS offer to bring the perfect answers to:

YOUR BUSINESS NEEDS

> Pay only what you use> Scale up with incremental fees> Save on costs linked to specs updates and certification> Best possible time-to-market to launch new services.

YOUR OPERATIONAL NEEDS

> One single API to access to all leading tokenization platforms.> A simple to use developer Portal> Always up-to-date specs and certifications> Quality of service and support

YOUR FUNCTIONAL NEEDS

> Multi-Channels> End-User centric> Digitize payments cards> Manage the digital cards life-cycle (Token)> Activate, de-activate, suspend> Issue Digital-first cards

All the benefits of the SaaS:> One Place with all documentations and sample source codes.> No risk of delays: The solution being in the cloud, it is fully certified and already connected to VTS and MDES.> Online configuration with a sandbox to test your implementation autonomously.> The scalability of the Cloud: access to leading tokenization platforms, wallets and eMerchants.

Connect once and benefit from the 3 offers:

TSH ISSUER GATEWAY (TIG)

your Digital Cards (EMV Tokens) will reach major digital wallets and eMerchants

TSH TOKEN REQUESTOR (TTR)

Launch your own payment wallet or enable the payment feature in your mobile application

TOKEN PUSH AND CONTROL (TPC)

Offer your customers a full control of their digital cards in the different wallets & eMerchants right from their Bank Mobile app and web site

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