Convego® CloudPay HCE

A man completes a contactless payment using a mobile device at an outdoor cafe, with a success message displayed on the payment terminal screen.

Introducing Convego^® Cloudpay HCE
How it works
Key benefits
Resources
Related solutions

The digital era has ushered in a wave of innovation in payments. Consumers now expect mobile-first payments and banking experience that complement their increasingly busy lifestyles.

By 2027, mobile wallets are expected to comprise more than $25 trillion in global transaction value – corresponding to 49% of all e-commerce and POS sales.

Currently:

Big Tech and fintech firms are redefining the digital wallets space with stellar consumer experiences.
Pressure is placed on traditional banks and fintechs to invest in innovation, or risk falling behind.
There’s a growing demand for mobile apps with embedded contactless payments.

Customers expect the flexibility to pay anytime, anywhere, and from any device, offering banks a prime opportunity to lead the way. However, developing a solution that seamlessly blends security and convenience, while integrating smoothly with existing infrastructure, is a complex, resource-intensive task.

A close-up view of a person's hand holding a smartphone displaying a successful payment confirmation screen above a payment terminal.

Convego^® CloudPay HCE (Host Card Emulation) transforms your mobile app into a contactless card and empowers your end customers to simply tap and pay.

Our HCE wallet solution is a proven, scalable digital payments platform with millions of users. It provides an end-to-end solution for the lifecycle management of tokenized payment cards and secure provisioning of full credentials – within seconds.

Seamless payments on the go
Ultimate peace of mind

Infographic how Convego CloudPay HCE works

The wallet provider/issuer banking app integrates Convego^® CloudPay client SDK into their existing mobile app.

The wallet provider/issuer banking app integrates their wallet’s server with Convego^® CloudPay Server.

Their mobile banking app is then registered with the CloudPay Server.

The end user chooses to digitize or tokenize the card from their mobile banking app.

The CloudPay Server processes the tokenization request using the scheme (Token Service Providers) TSPs and delivers the token to the CloudPay Client SDK.

The user can then pay the desired merchant with a simple tap of an NFC enabled smartphone.

The acquirer processes the transaction using the TSP and card networks when tapped.

The mobile app is then notified of the transaction’s status.

After a certain number of payments, new keys are automatically replenished from TSPs and are delivered to the CloudPay Client SDK in the background. This ensures that the user always has sufficient keys available without any noticeable interruption.

Secure top-of-wallet status

Enhanced mobile banking capabilities increase app interaction frequency, boosting trust and brand engagement.

Boost brand engagement

Integrated payment functionality keeps customers engaged with your brand for longer.

State-of-the-art security

Utilizes EMV^® payment tokenization and robust security measures for enhanced protection.

Reduced maintenance and cost-efficiency

G+D handles many of the ongoing updates, reducing card issuers' maintenance efforts.

Brochure

Elevating digital wallet experiences with NFC-powered payments

Learn how Convego^® CloudPay HCE enables banks to remain at the heart of their customers’ increasingly mobile-first payment and banking journeys.

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Female hand paying with a mobile phone at a POS

Convego^® CloudPay

The Convego^® CloudPay solution enables banks to enable NFC powered payments through Host Card Emulation (HCE) or Secure Element (SE), depending on regional requirements and regulations. Discover effortless payments on the go with Convego^® CloudPay.

A man uses his smartphone on a busy street, next to a digital interface displaying various bank and digital wallet options.

Elevates the capabilities of mobile wallets by empowering customers with visibility and control over their digital payment credentials.

A person holding a smartphone displaying a bank application interface and a payment card

Convego^® TruSafe is a modular solution that offers total asset protection in the palm of your customer's hands. It integrates seamlessly with your existing digital infrastructure and leverages your payment card experience.

A person seated on a bench holding a coffee cup and a smartphone, viewing a digital banking interface displaying recent transactions.

Offer your customers a state-of-the-art mobile payment experience and added value with a highly configurable, fully brandable, and secure mobile wallet – delivered by our digital powerhouse G+D Netcetera.

A person holding a grocery bag stands next to a digital interface showing a carbon footprint tracker, with categories for household, groceries, and public transport.

Empower digital banking users to convert their transaction data into valuable insights and actions that benefit the environment – delivered by our digital powerhouse G+D Netcetera.

A woman holds her smartphone and confirms an online purchase at her bank

Ensure effortless authentication of your cardholders' online payments with utmost accuracy.

A family engages with digital devices around a table, with a digital payment interface displayed in the foreground showing a transaction option.

Our cloud-based tokenization service aggregator enables rapid access to networks and token requestors for banks, including wallets, merchants, and devices.

A cafe setting with a customer making a payment at a digital terminal with their smart watch.

Convego^® CloudPay eSE

Enabling smooth, seamless, and secure payment experiences for wearable technology.

Our offering from G+D Netcetera

If you have any questions about our end-to-end business solutions or about our SecurityTech company, seek expert advice, or want to give us your feedback, our team is here to support you, anytime.

Convego^® CloudPay HCE: unlock NFC-powered payment capabilities in your digital wallet

Meeting today’s ever-increasing customer expectations

Introducing Convego^® CloudPay HCE: integrating payments into your mobile wallet experience

How it works