Tap to Pay by Account

Designed for domestic, regional, and global digital wallet providers, the Tap to Pay by Account solution brings the convenience of one-click payments that your users enjoy in P2P and e-commerce transactions into physical stores—now with just one tap.

Instant, secure, card-free payments with a single tap

With this solution, your wallet can turn any account-based payment asset, like an IBAN or mobile number, into an EMV-compatible token that behaves like a digital card. You no longer need to host cards from other issuers to provide NFC payment convenience to your wallet users. They can directly tap into their bank, mobile money, or crypto wallet accounts for contactless in-store payments while tokenization ensures security.

Fast, secure, and ready to scale your wallet acceptance

While it does not involve a card, this tokenization solution follows the same EMV standards as card payments, so it works instantly on existing contactless POS terminals—no merchant upgrades required. You can route payments through your own network for greater independence or use an established card rail for broader acceptance.

Your wallet users will love it

For your users, it feels natural: just one tap at checkout, simple, secure, and seamless. Tap to Pay by Account makes your wallet indispensable in their everyday life. By combining seamless proximity payments with value-added services such as loyalty programs and personalized offers, you can tailor in-store interactions for your customers. Additionally, this ensures a consistent experience across devices and a continuity between online and in-store touchpoints, strengthening the connection to your brand wherever your customers are.

Merchants will instantly adopt it

This new NFC payment method offers a faster checkout and greater security than the QR codes first used for account-based payments, making it simple for merchants to connect with your wallet users and strengthen their partnership with your brand. By enabling tap-to-pay directly through your own wallet, you unlock its full potential, delivering harmonious in-store convenience while gaining independence, control, and a decisive competitive edge.

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