Proposing independent payment solutions for domestic networks and closed loop markets


The inexorable rise in card and mobile payments has provided a real challenge to the domestic business of financial institutions and for closed-loop operators, such as retailers or transport operators. While current technical specifications developed by international schemes may not perfectly suit all their requirements, controlling costs and payment architectures is tough for companies that use proprietary technology.

Meanwhile, retailers are under growing pressure to move from magnetic stripe to chip-based solutions to increase the security of their payment/loyalty cards and are looking for an open and independent solution.

IDEMIA assists payment actors globally in the establishment of independent EMV ecosystems by providing WISE, an implementation of an open industry standard which the company has helped develop as a founder of the White Label Alliance. The WLA framework is vendor-independent and covers the full range of devices – contact/contactless cards, terminals and mobiles. Fully interoperable with the EMVCo standard, it also offers a reduced time to market, courtesy of its technology readiness, support from industry, open architecture and compatibility with the installed device base.

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  • Independence in payments

    WISE is a vendor-independent platform with an open architecture. This comprehensive offer dedicated to domestic payment or ATM schemes, retailers, petrol retailers provides them with all the benefits of EMV without having to rely on big payment brands’ implementations.

  • Short time to market

    With technical specifications & product certification ready for cards, terminals and mobiles, WISE secures time to market for a fully functional payment ecosystem. WISE is also converging with CPACE standard to accelerate transformation towards independence in Europe.

  • Fully scalable solution

    With elements of the solution already deployed in Europe and Asia, WISE is a fully scalable solution for terminal manufacturers and payment systems in different countries.


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