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In-App Provisioning

Empower your customers to securely add their banking cards to digital wallets directly from your mobile app.

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Integrate seamlessly with token requestors such as Apple, Samsung and Google to provide a single, cohesive integration for all payment ecosystems.

Link to multiple payment ecosystems safely and seamlessly

Enhanced customer experience

  • Real-time provisioning of cards into digital wallets with just a few taps.
  •   SDKs provided to integrate seamlessly.                                               

Multi-platform compatibility

  • Seamless tokenization for Apple Pay, Samsung Pay, Google Pay.
  •   Cross-platform support ensures customers can use their cards with their preferred devices. 
                                                       
     

Security and tokenization

  • Uses secure EMV® tokenization standards to replace card details with a secure token. 
  • Ensures sensitive card data is never shared or exposed during transactions. 
        

Instant activation

  • Allows customers to provision and start using their cards for contactless, in-app, or online payments instantly.

                                                           

Increased card usage

  • Encourages digital wallet adoption, promoting higher transaction volumes and card engagement.
  • Boosts cardholder loyalty by providing convenience and interoperability.
                                                           

Regulatory and scheme compliance

  • Fully compliant with PCI-DSS standards for tokenization and transaction security. 
  •   Meets Apple, Samsung, Google, and other platform-specific guidelines for provisioning.
     

How It Works:

  • 1
    User initiation

    Cardholder selects "Add to Wallet" for a compatible platform directly within the mobile app.
                                          

  • 2
    Authentication

    User verification via biometric or OTP authentication to ensure secure provisioning.
                                         

  • 3
    Tokenization request

    App communicates with the token service provider (e.g., Apple or Google) via Network International's gateway.

  • 4
    Card linking

    A secure token replaces card details, and the card is added to the selected digital wallet. 
                                           

  • 5
    Activation

    Card is ready for use across contactless, in-app, and online payment
                                     

FAQs

In-App Provisioning is the process of allowing cardholders to securely add their banking cards to digital wallets (e.g., Apple Pay, Samsung Pay, Google Pay, Fitbit Pay) directly from a bank's mobile app, without needing to use third-party platforms or interfaces.
                                   
      

In-App Provisioning ensures a seamless card enrollment journey by eliminating the need for customers to manually enter card details in digital wallets. It provides a frictionless experience with instant provisioning and activation, reducing user effort and enhancing convenience.

    

The service supports a wide range of digital wallets, including:

  • Apple Pay
  • Samsung Pay 
  • Google Pay
  • Other tokenized payment ecosystems that comply with EMV® tokenization standards.
                                               

Yes. In-App Provisioning uses EMV® tokenization to replace sensitive card  information with a secure, unique token for each transaction. This ensures  cardholder data is never shared or stored during provisioning and subsequent  payments. Additional layers of security like biometrics, PIN, or OTP are used for user authentication.
                                  
                                                       

  1. Open the bank's mobile app and select the option to add a card to a wallet.
  2. Choose their preferred wallet platform (e.g., Apple Pay, Google Pay).
  3. Authenticate their identity using biometrics, OTP, or other secure methods.
  4. The card is securely provisioned to the selected wallet and ready for use.

                                        

In-App Provisioning supports the addition of debit, credit, and prepaid cards issued by the bank, as long as they are compatible with the wallet platform.

 

The solution adheres to PCI-DSS standards, EMVCo tokenization specifications, and platform-specific guidelines (e.g., Apple, Google, and Samsung wallet requirements). It is designed to comply with industry regulations and mandates.
                             

 

Key benefits for banks include:

  •  Increased card usage and transaction volumes.
  • Enhanced customer loyalty through seamless and secure digital payment options.   
  • Reduced fraud risks via tokenization.  
  •  Faster time-to-market with a single integration point for multiple digital wallets.                 
                                           
     

Yes. Customers need an internet connection to interact with the app and complete the provisioning process since the app must communicate with the wallet platform's servers.
                              
                                

Yes, the service supports provisioning the same card to multiple wallets. For example, a cardholder can add their debit card to both Apple Pay and Google Pay via the mobile app.
                                  
                                  
 

When a cardholder changes their device, they will need to re-provision their cards to digital wallets on the new device through the bank’s mobile app. The app provides a secure and user-friendly way to do this.
                                  
             

Tokenization replaces the card’s primary account number (PAN) with a unique token, ensuring the actual card details are never exposed during payments. Even if the token is intercepted, it cannot be reused outside the intended wallet or device.

 

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