
ToPay Wallet: turning your mobile app into the gateway for next-gen banking
Today’s consumers are increasingly demanding mobile-first payment and banking journey.
Consumer expectations for managing finances are rapidly evolving. They now demand personalized, needs-focused experiences at their fingertips. Traditional banks must rethink their digital wallet strategies as BigTechs and Fintechs win customers with superior service.
In this era of digital Darwinism, banks risk losing their central role if they can't meet modern demands. To stay relevant, they must prioritize the customer, adapt swiftly to industry changes, and reassert their place in a competitive market.
With ToPay Wallet, you can:
- Deliver smart, secure payment and banking experiences in an ownable digital wallet.
- Seamlessly integrate future-ready payment solutions within your own banking app.
Introducing ToPay Wallet: one wallet to elevate every digital payment and banking experience

The white-label mobile wallet – created by our digital powerhouse G+D Netcetera – offers your customers a mobile payment service that goes beyond payments.
It’s a highly configurable, fully brandable, and secure mobile wallet with tap-to-pay for mobile devices based on the leading international card payment schemes – for a cutting-edge payment experience with added value.
The integration into your existing app – where your cardholders already check their account balance and transactions – will give them the confidence to try the new payment features and enjoy faster checkouts without taking out their leather wallet.
How it works
With our Mobile Wallet offering, our customers get a modular app with which they can digitally realize the entire customer journey of their cardholders – from digital onboarding to mobile payments and management of payment cards to much more…
We integrate exactly those services into the app that our customers need.
- HCE (Host Card Emulation) payments: enabling your mobile app to carry out contactless payments
- Payment cards management: one central dashboard for easy access to all card-related functions
- x-Pay: seamlessly enable Apple Pay, Google Pay and other OEM wallets
- Click to Pay provisioning: for fast, easy enrolment in one-click checkouts
- Peer to Peer (P2P) payments: future-proofed, scheme-agnostic support for smooth, convenient money transfers
- 3DS out-of-band authentication: PSD2 and FCA-compliant transaction authentication
- Authentication: supports a range of trusted 2-factor authentication solutions from device-bond biometrics to passwords and OTPs
- Transactions: enable customers to easily review pending and executed card transactions at a glance
- Digital asset custody management: Cold storage and recovery with our modular digital asset custody solution
Key benefits
Faster time-to-market
Our ready-to-use app enables fast go-live, with numerous in-built customization options to allow for product differentiation.

Flexible setup and integration
Standard mobile app, custom UI, or third-party modules – with our integration layer, we make it simple to connect your customers to your backend systems.

Secure and compliant
Our app complies with the latest security and regulatory standards, from biometric logins to payment authorization with 3DS strong customer authentication (SCA).

Mobile and digital-first
Your customers can effortlessly use cards with their favorite merchants, OEM wallets, and Click to Pay services.

Reputation for innovation

Our complete white label mobile wallet solution has received multiple awards for innovative delivery of digital payments from multiple different awards providers.
Resources
Whitepaper

Going beyond payments
Traditional banks must adapt to their customers' evolving needs to stay relevant. Payments are no longer just transactions – they're experiences. The key is to create a compelling mobile super wallet that integrates seamlessly into every aspect of life.
Download our whitepaper, created in collaboration with the technology think tank 'CORE,' to discover how banks can become integral to their customers' digitally connected lifestyle.
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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.