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

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

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.

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.

Meeting today’s ever-increasing customer expectations

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.

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

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

How it works

Infographic how Convego CloudPay HCE works
The wallet provider/issuer banking app integrates Convego® CloudPay client SDK into their existing mobile app.
Infographic how Convego CloudPay HCE works
The wallet provider/issuer banking app integrates their wallet’s server with Convego® CloudPay Server.
Infographic how Convego CloudPay HCE works
Their mobile banking app is then registered with the CloudPay Server.
Infographic how Convego CloudPay HCE works
The end user chooses to digitize or tokenize the card from their mobile banking app.
Infographic how Convego CloudPay HCE works
The CloudPay Server processes the tokenization request using the scheme (Token Service Providers) TSPs and delivers the token to the CloudPay Client SDK.
Infographic how Convego CloudPay HCE works
The user can then pay the desired merchant with a simple tap of an NFC enabled smartphone.
Infographic how Convego CloudPay HCE works
The acquirer processes the transaction using the TSP and card networks when tapped.
Infographic how Convego CloudPay HCE works
The mobile app is then notified of the transaction’s status.
Infographic how Convego CloudPay HCE works
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.

Key benefits: seamless digital wallet payments

Secure top-of-wallet status

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

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Boost brand engagement

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

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State-of-the-art security

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

Reduced maintenance and cost-efficiency

G+D handles scheme updates, reducing card issuers' maintenance efforts. This reduces the workload on issuers’ customer care services as it enables self-service.

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Resources

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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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Get in touch

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.