• Gemalto is now part of the Thales Group, find out more.

Card Digitization for Banks and Financial Institutions

Banks and other issuers are increasingly deploying multiple digital payment schemes for their Mobile Payment offering and can now find a single partner to manage all their digital issuance needs.

card digitization ​​​​

This is where Gemalto Trusted Services Hub​ (TSH) comes in. 

We make it easy for you to digitalize your payment means onto connected devices. 

The Hub is a unique solution that combines and manages the card digitization process, from tokenization, provisioning till payment acceptance all while targeting a wide range of wallets providers to increase the reach and card usage.

Tokenization is the process that converts cards' sensitive data into a unique digital identifier (or token) that can be deployed safely on smartphones and similar devices. The token allows payments to be processed without exposing actual account details that could potentially be compromised.

Card digitization includes tokenization, identification and verification of the cardholder, card- and device eligibility checks, tokenization approval, provisioning of the digital card and initial key refresh.

Benefits of Gemalto Trusted Services Hub

Manage every step to get virtual payment cards.

  • Reach. Gemalto enables you to connect all your users, via all issuers, devices, tokenization platforms and wallets available in the market
  • Convenience. Digitalize your cards on different wallets: on-board to the main OEM wallet providers  or launch your own Host Card Emulation (HCE) mobile payment wallet (either as an independent application or embedded in your mobile banking application)
  • Single entry point. Gemalto is offering a single gateway to connect Visa and Mastercard tokenization services, simplifying the way financial institutions can launch mobile payment services but also provide tokenization services for domestic schemes and private label cards
  • Multi-scheme environment: Gemalto offers the single entry point to connect to multi-schemes –not only VISA & Mastercard but also international & domestic schemes and also offers the possibility for co-badging
  •  Expertise. Benefit from Gemalto's experience in mobile payments and excellence in operations.

Card issuers  can rely on Gemalto to help them launch rapidly and massively mobile payment without having to face different security frameworks and integration's complexity, while benefiting from Visa's and MasterCard's tokenization.

​How to get a digital payment card and use it  via OEM Pay or Issuer Pay?

The issuers – banks, processors – will transform traditional payment into convenient, secure and rewarding mobile payment experiences by launching their own issuers' wallet or easily on-boarding with major wallets providers.

  • Let your customers digitize cards to benefit from digital convenience
  • Validation of card credentials and acceptance of T&C is all what is needed for instant card digitization
  • With a simple tap on the POS, or by scanning the generated QR code, the customer pays
  • Manage your own UI and customer journey

​This is an example of a card enrolment flow​​​

Enrolment choose card

1. Choose card

Enrolment verify card ID&V

2. Verify card

Enrolment card digitized

3. Card is verified


This is how it works: making a contactless payment in a store​​​​​

Mobile Payment for proximity virtual card selection

1. Select a card for payment (optional)

Mobile Payment for proximity Fingerprint scan

2. Authenticate

Mobile Payment for proximity tap to pay

3. Tap to pay

Mobile Payment for proximity transaction completed

4. Transaction sent. See payment results on the payment terminal.

​​  Streamline your payment solutions

  • A fast time to market: thanks to an off-the-shelf cloud platform, pre-integrated with Visa's and MasterCard's tokenization services
  • An easy integration: you connect once for all to our TSH and target different schemes
  • A modular and scalable solution: making it easy and fast to add new wallets and use cases

 Case Study


  • Increase your reach and boost your digital branding

    Mobile Payment for Issuing Banks

    Increase your reach and boost your digital branding. Redefine the shopping experience to best meet your customer's needs.

    Download the brochure