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Simplify your payments with digitized cards in a Treezor Xpay-compatible mobile wallet

With Treezor, transform your traditional payment cards into secure, digitized cards in a mobile-wallet compatible with Apple Pay, Google Pay, Samsung Pay, Swatch Pay, Garmin Pay… Simplify your users’ daily transactions while ensuring maximum protection of their financial data.

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How does a digitized card in a mobile wallet work?

A digitized card in a X-Pay compatible mobile wallet works by replacing sensitive card information with a secure token during registration. When making a purchase, the user selects the card in the wallet, authenticates the transaction via biometrics or PIN, and the token is transmitted for processing. This service can then be used for both online and in-store transactions.

The advantages of using digitized cards in a mobile wallet

Ease of use and enhanced user experience

Using a mobile wallet allows for easy contactless payments without needing to take out a physical card. This method is especially advantageous as it removes payment limits on electronic payment terminals (EPTs).
With the use of a mobile wallet, online purchases are made easier through one-click payments, allowing transactions to be completed in seconds without re-entering card information. This time-saving feature and simplicity greatly improve the user experience.

Enhanced security and secure data storage

By eliminating the need to always carry a physical card, card tokenization significantly reduces the risk of theft or loss, providing increased security for cardholders. Sensitive payment card data is no longer stored on merchants’ premises. Instead, tokenized data is used and stored. This method drastically reduces the risk of data leakage.

Why choose Treezor to digitize your cards in a X-Pay compatible mobile wallet?

Treezor has mastered the 2 key steps involved in digitizing a card:

In-house provisioning :

Managed by the application provider: information is recorded manually by the cardholder in Google Pay, Apple Pay, Swatch Pay or Garmin Pay.
Secure tokenization: card details are tokenized by Mastercard or Visa.
Treezor management: Treezor manages authorization messages and authentication.
Authentication security: authentication required via SMS or e-mail to prevent unauthorized use.

In-app provisioning :

- Direct integration from the application: Process initiated from the third-party service’s application, such as a mobile app created by a Treezor agent.
- Easy card addition: users can click on “Add your card to X-Pay” for secure transmission of information.
- Seamless user experience: no complex processes or external interactions, ensuring a simplified user experience

Whatever the method, Treezor ensures:

Enhanced security
Robust authentication and tokenization mechanisms to prevent unauthorized use.

Seamless user experience
A simple process integrated directly into the application, making transactions quick and easy.

Centralized management:
Treezor efficiently coordinates all parties involved, guaranteeing smooth and secure management.

With Treezor, modernize your payments and offer your users a simple, secure and efficient card digitization solution.

Some use cases

Digitized cards in a mobile wallet are particularly useful in the following cases:

Faster and secure online payments

This solution allows an optimized payment experience in-store, with unlimited contactless payment, or online, with express checkout. For online transactions, this reduces the risk of fraud by replacing card details with a secure token.