Digital Payments

With our ReadyToTap Payment solution, offer your customers a universal mobile payment service, available on both Android and iOS, via your own Wallet application or by integrating with a third-party Wallet (Apple Pay, G-Pay, Samsung Pay).

NFC and QR Code mobile payments, easier and faster!

ReadyToTap Payment is a white-label mobile payment solution, allowing banks, card issuers, program managers, Fintechs and merchants to offer digital payment services to consumers through digital wallets; either the Issuers’ App acting as a wallet or OEM Wallets such as Apple pay, G-Pay, Samsung Pay, etc. Our solution proposes both NFC and QR Code technologies.

Our solution combines a Tokenisation Hub with a white-label mobile wallet and a payment SDK. We implement the latest technologies for a smooth and secure user experience.

Our solutions are certified by

cadenas-dejamobile

Peace of mind, security and trust

Our mobile payment solution complies with the most demanding standards in terms of transaction security and personal data protection, as attested by the certifications we have from CB, Mastercard, Visa and PCI DSS.

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Payments NFC and EMV QR Code

Our solution offers NFC and QR Code technologies following EMVCo standards. Choose the most adapted technology, or a combination of both, depending on the merchants’ equipment and the consumers’ habits in the considered territory.

SDK Dejamobile

SDK and white label wallet application for issuers

Our solution includes white-label Wallet Apps and SDKs for integration into the existing Issuer Applications, enabling both QR Code and NFC payments. Regarding NFC payment, for the “Issuer Wallet” use case, possible on Android thanks to the HCE technology, our solution includes a payment SDK already certified by the payment networks (Cartes Bancaires (CB), Mastercard, Visa).

Plateforme-service dejamobile

Tokenisation hub

Our Tokenisation Hub enables our customers to develop a complete mobile payment service. Already connected to the main TSPs internationally (MDES, VTS) and in France (STET), our platform implements various use cases: Issuer Wallet, X-Pay wallets (Apple Pay, G-Pay, Samsung Pay) but also tokenisation for merchants (card-on-file service).

NFC mobile payment

A unified solution to digitise all your cards in any wallet!

paiement-hce-dejamobile-en

Your NFC mobile wallet, Apple Pay, Google Pay, Samsung Pay,  quick and easy! 

Thanks to our all-in-one ReadyToTap Payment solution based on our Tokenisation Hub, easily and quickly develop your range of “Tap & Go” NFC mobile payment services , for a stronger customer relationship and enhanced daily commitment…

Offered in SaaS mode, our PCI-DSS certified platform provides a tokenisation service for the development of your Issuer Wallet or for the digitalisation of your cards in OEM-Pay Wallets (also referred to as x-Pays) like Apple Pay, G-Pay, Samsung Pay.

The Issuer wallet , a mobile payment service under your full control

Our Tokenisation Hub enables card issuers (debit, credit, prepaid) to build a mobile payment service based on tokenisation and Host Card Emulation (HCE) technology. Already connected to major TSPs (Mastercard MDES and Visa VTS) and some national TSPs (like Cartes Bancaires in France), our PCI DSS certified Cloud platform offers all the functions you need for your project: TR-TSP; I-TSP, token lifecycle management and much more!

Turn your Android application into an NFC mobile wallet!

Simply integrate our certified HCE SDK into your mobile application to turn it into an NFC wallet.  Our teams and experts in secure mobile payments will guide you throughout your project for an optimal deployment. You are in a hurry but don’t have any resources available for the development of your application? Nothing could be simpler! Our teams customize our white-label wallet to your look and feel and that’s it!

A simplified, fluid and secure user experience

The fluidity in the activation of the service (known as “enrolment”) and during the payment process will be one of the guarantees of your success. Our solutions integrate various functions for an ultra-secure service :

– The secure activation of the service without the consumer having to enter his card data.

– A complete Strong Customer Authentication (SCA) module offering various functions: PIN, biometrics (digital fingerprint, facial recognition) and more. Authentication can be performed within the Issuer’s application, or delegated to the Android system using screen unlock as proof of authentication.

– Contactless payment even with locked smartphone. A simple tap on the NFC-enabled POS terminal is all it takes to wake up the mobile payment application.

Integrate your cards into OEM-Pay Wallets (Apple Pay, G-Pay, Samsung Pay)

Today, OEM-Pay wallets (also referred to as x-Pays) are an integral part of mobile payment strategies.

Thanks to its advanced functions – Issuer-TSP (I-TSP), data preparation and lifecycle management – the ReadyToTap Payment solution facilitates the integration with the target wallet (Apple Pay, G-Pay, Samsung Pay) and allows you to simplify and unify token lifecycle management.

Via a unique I-TSP API connection with our Tokenisation Hub, you can access the I-TSP services of Visa VTS and Mastercard MDES and all the use cases : Apple Pay, G-Pay, Samsung Pay.

With Dejamobile, your OEM-Pay project is live in less than 2 months!

Mobile payment QR Code

Expand your mobile payment services QR Code in accordance with EMVco standard

EMVCo has developed a QR Code payment specification to ensure overall interoperability and security and to provide a consistent experience for merchants and consumers.

Our QR Code payment solution is based on a Cloud platform compliant with EMVCo standards for QR Code formats.

paiment-qr-dejamobile-en

Our solution includes :

  •  A platform operated in SaaS mode and interconnected either to the national or international switch (for open loop payment systems such as Visa, Mastercard or UnionPay International) or directly to the account and transaction management system for a closed loop payment system.
  •  On the smartphone side, SDKs as well as white-label applications for the consumer and the merchant (QR Code wallet).

QR Code “Merchant Presented” – Static mode

This mode is the most used in the world, especially in Asia, because it does not require any equipment or application for the retailer. It is based on a sticker displayed at the point of sale (or online in the case of e-commerce) showing the merchant’s QR code. In this case, the customer must enter the transaction amount in the Wallet application to initiate the payment and the merchant receives an SMS confirming the payment.

QR Code “Merchant presented” – Dynamic mode

With this mode, the QR code is generated at the time of the transaction, displayed on the point-of-sale device or on the merchant’s mobile device via a specific application.

This dynamic QR code encodes all the data of the transaction.

This system provides a better experience for the consumer, since it eliminates the step of entering the transaction amount.

QR Code “Consumer Presented »

With this method, the customer presents a dynamic QR Code (generated by our Consumer QR Code SDK) to the merchant who scans it. The merchant can use our mobile white-label application to scan the QR Code, or have their own scanner.

NFC mobile payment

Develop your own mobile payment wallet (on Android, with HCE technology); Simplify the integration of your cards in OEM-Pay wallets (Apple Pay, G-Pay, Samsung Pay).

Mobile payment QR Code

Offer your consumers a QR Code payment experience compliant with EMVCo (Merchant Presented or Consumer Presented) standards

NFC mobile payment

A unified solution to digitise all your cards in any wallet!

paiement-hce-dejamobile-en

Your NFC mobile wallet, Apple Pay, Google Pay, Samsung Pay,  quick and easy! 

Thanks to our all-in-one ReadyToTap Payment solution based on our Tokenisation Hub, easily and quickly develop your range of “Tap & Go” NFC mobile payment services , for a stronger customer relationship and enhanced daily commitment…

Offered in SaaS mode, our PCI-DSS certified platform provides a tokenisation service for the development of your Issuer Wallet or for the digitisation of your cards in X-Pay Wallets (Apple Pay, G-Pay, Samsung Pay).

The Issuer wallet , a mobile payment service under your full control

Our Tokenisation Hub enables card issuers (debit, credit, prepaid) to build a mobile payment service based on tokenisation and Host Card Emulation (HCE) technology. Already connected to major TSPs (Mastercard MDES and Visa VTS) and some national TSPs (like Cartes Bancaires in France), our PCI DSS certified Cloud platform offers all the functions you need for your project: TR-TSP; I-TSP, token lifecycle management and much more!

Turn your Android application into an NFC mobile wallet!

Simply integrate our certified HCE SDK into your mobile application to turn it into an NFC wallet.  Our teams and experts in secure mobile payments will guide you throughout your project for an optimal deployment. You are in a hurry but don’t have any resources available for the development of your application? Nothing could be simpler! Our teams customize our white-label wallet to your look and feel and that’s it!

A simplified, fluid and secure user experience

The fluidity in the activation of the service (known as “enrolment”) and during the payment process will be one of the guarantees of your success. Our solutions integrate various functions for an ultra-secure service :

– The secure activation of the service without the consumer having to enter his card data.

– A complete Strong Customer Authentication (SCA) module offering various functions: PIN, biometrics (digital fingerprint, facial recognition) and more. Authentication can be performed within the Issuer’s application, or delegated to the Android system using screen unlock as proof of authentication.

– Contactless payment even with locked smartphone. A simple tap on the NFC-enabled POS terminal is all it takes to wake up the mobile payment application.

Integrate your cards into OEM-Pay Wallets (Apple Pay, G-Pay, Samsung Pay)

Today, OEM-Pay wallets (also referred to as x-Pays) are an integral part of mobile payment strategies.

Thanks to its advanced functions – Issuer-TSP (I-TSP), data preparation and lifecycle management – the ReadyToTap Payment solution facilitates the integration with the target wallet (Apple Pay, G-Pay, Samsung Pay) and allows you to simplify and unify token lifecycle management.

Via a unique I-TSP API connection with our Tokenisation Hub, you can access the I-TSP services of Visa VTS and Mastercard MDES and all the use cases : Apple Pay, G-Pay, Samsung Pay.

With Dejamobile, your OEM-Pay project is live in less than 2 months!

Mobile payment QR Code

Expand your mobile payment services QR Code in accordance with EMVco standard

EMVCo has developed a QR Code payment specification to ensure overall interoperability and security and to provide a consistent experience for merchants and consumers.

Our QR Code payment solution is based on a Cloud platform compliant with EMVCo standards for QR Code formats.

paiment-qr-dejamobile-en

Our solution includes :

  •  A platform operated in SaaS mode and interconnected either to the national or international switch (for open loop payment systems such as Visa, Mastercard or UnionPay International) or directly to the account and transaction management system for a closed loop payment system.
  •  On the smartphone side, SDKs as well as white-label applications for the consumer and the merchant (QR Code wallet).

QR Code “Merchant Presented” – Static mode

This mode is the most used in the world, especially in Asia, because it does not require any equipment or application for the retailer. It is based on a sticker displayed at the point of sale (or online in the case of e-commerce) showing the merchant’s QR code. In this case, the customer must enter the transaction amount in the Wallet application to initiate the payment and the merchant receives an SMS confirming the payment.

QR Code “Merchant presented” – Dynamic mode

With this mode, the QR code is generated at the time of the transaction, displayed on the point-of-sale device or on the merchant’s mobile device via a specific application.

This dynamic QR code encodes all the data of the transaction.

This system provides a better experience for the consumer, since it eliminates the step of entering the transaction amount.

QR Code “Consumer Presented »

With this method, the customer presents a dynamic QR Code (generated by our Consumer QR Code SDK) to the merchant who scans it. The merchant can use our mobile white-label application to scan the QR Code, or have their own scanner.

USE CASES

Mobile payment: convenient and universal

Paiement - Dejamobile

Paiement - DejamobilePayment

2019 has been a year of growth for the mobile payment industry as the market was gaining maturity and the use of EMVCo standards gaining ground. In the Covid-19 context, digital payments, either in the form of cards or mobile wallets are becoming the norm. Learn more on how our society is becoming even more cashless.

Learn more