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Financial Services

Contactless Payment solutions

Convenient and fast payment transactions

A growth opportunity for the payment market

Millions of people ay around the world are using smart cards for debit and credit payments. Increasing card usage and providing innovative services for cardholders is a constant objective for financial institutions. Catching a share of the cash market, the largest in terms of number of transactions, is one of their major goals.

The battle for cash transactions

Contactless payment applications are now a real new trend to address low-value payments where speed and convenience are key factors of the user’s experience: fast food chains, movie theaters, vending machines, stadiums, etc: These are spending domains where cash dominated historically.

Contactless technology in the payment market helps issuers to differentiate their portfolio taking advantage of the following two benefits:

• Higher revenue - transaction frequency increased by 33 to 52% per account and overall spending increased by 28 to 42% per account*
   
• High branding effect - multiple touch points with customers, thanks to numerous everyday purchases
   

Merchants also benefit from the improved operational efficiency provided by contactless technology: no more cash-handling, increased check-out speed and throughput.

Card holders throughout the world have begun enjoying the convenience and security of their contactless payment transactions.

Innovative product and reliable solution

With more than 15 years of contactless innovation and 90 millions contactless cards delivered to date to financial institutions and transport operators, Gemalto demonstrated a unique expertise in contactless applications. Gemalto’s R&D dedication to contactless developments confirms a strong commitment to this market.

Gemalto masters a complete know-how in all the components of the contactless card, from OS development to antenna design, card body and personalization. Gemalto offers a full range of contactless payment cards, based on two technologies:

• Pure contactless: for non-EMV markets, including one chip with contactless interface only
   
• Dual interface: for EMV markets including one chip with both contact and contactless interface This card range is fully certified by the major payment associations and conforms with the Visa payWave, MasterCard PayPass , American Express ExpressPay and JCB J/Speedy specifications.

Contact Info

Please contact your usual Gemalto Sales representative for further details and product availability.

See also
our Telecom offer

Mobile NFC & TSM Services

Mobile NFC Services for end-users