Mobile Payments and

Tokenization

With constantly increasing smartphone penetration, mobile has overtaken other channels for delivery of a wide range of secure, seamless financial and related services.

eMcREY solutions are designed to leverage the convenience and enhanced user experience of mobile across a range of sectors, while ensuring the security and integrity of data. They incorporate an advanced range of options allowing financial institutions, online retailers and mobile providers to serve the needs and preferences of their consumers for mobile-led interactions, from simple payments to multi-currency mobile wallets.

Easily integrated into the existing systems environment, including middleware, core banking and card management systems, hardware and NFC readers, Apex Mobile Services Platform facilitates a fast and easy way to bring mobile services to market. Providing a suite of innovative services for mobile payments and e-commerce, the Apex Mobile Services Platform supports NFC HCE advanced mobile payments as well as legacy systems such as legacy ATM networks.

QR codes are simplifying the way people pay for goods and services. Apex QR provides a customer app and merchant acquiring capabilities which allow standardized QR codes to be accepted as part of an open-loop EMV payment system, replacing the requirement for plastic cards and helping retailers to encourage cashless transactions.

Apex Crypto is an advanced solution for in-app provisioning of encryption keys, ensuring the integrity of mobile transaction data. It is compatible with the encrypted PassData required for Apple mobile payments, as well as the complex cryptographic algorithms mandated by Visa, Mastercard and mada.

Apex Green is a Provisioning Fraud System, which works alongside the Apex Mobile Services Platform to provide provision authorization in real-time, near-real-time or batch mode. It processes provisioning requests based on bank rules and a sophisticated rules engine, which prevents mobile transaction fraudsters masquerading as cardholders.

Apex ITSP is a modular and certified tokenization solution that enables financial institutions to integrate seamlessly with global and local card schemes including mada, Mastercard MDES, and Visa VTS.

The solution is composed of two main components: Apex ITSP Client which connects securely with payment schemes and manages scheme-specific communication and Apex ITSP Core which orchestrates the entire token lifecycle, issuer configurations, and business rules.

Fully integrated with the Apex Mobile Services Platform, Apex ITSP ensures flexible deployment, robust security, and compliance with industry standards.

Apex iTSP Client is the gateway component that securely interfaces with global and local card schemes, including mada, Mastercard MDES, and Visa VTS. It ensures full compliance with scheme protocols and security standards, enabling seamless token provisioning and management across digital payment channels.

Apex iTSP Portal is a user-friendly interface that simplifies management of the tokenization ecosystem. It allows issuers to track token activities, manage token lifecycle events, configure settings, and access real-time reports—all from a secure, centralized dashboard.

Key functionality in mobile payments apps and wallets is the ability to see an accurate and up-to-date list of transactions.

Apex THS is a transaction history server that works in tandem with mobile app platforms, including Apex Mobile Services Platform. It provides transaction history as mini statements within mobile payments apps and wallets including OEM Pay wallets. It consolidates transactions from issuers and provides secure APIs to make transaction details available on mobile user interfaces.

Apex THS Client supports member banks by dispatching transaction data for domestic cards enrolled in local aggregator or OEM wallets. It covers transactions from both physical cards and their digitized wallet versions, ensuring all card activity is delivered and displayed in users’ wallet transaction histories for a complete view.

Apex Wallet is a cutting-edge digital wallet solution designed to help financial institutions deliver a superior, fully digital experience to their customers. It offers a comprehensive platform for seamless digital onboarding, instant card provisioning, and a smooth user experience backed by strong customer authentication (SCA). Featuring digital rewards, loyalty programs, robust payment capabilities, and extensive wallet management tools, Apex Wallet empowers institutions to accelerate digital transformation, boost customer engagement, and create a modern, connected financial ecosystem.

Apex CMS-D provides the credentials functionality mandated by Mastercard MDES tokenization for certain types of mobile wallet.