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Tokenisation

All ProductsRisk & Fraud

Tokenisation
Apple Pay / Google Pay

An EMV Payment Tokenisation platform enabling card issuers to support Apple Pay, Google Pay, Samsung Pay, and other digital wallets. Manages the full token lifecycle — provisioning, activation, suspension, deletion, and replenishment — with cryptogram verification at every transaction.

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Architecture Overview

EMV Payment Tokenisation Architecture

Click to expand. The diagram shows the tokenisation flow from cardholder device through wallet provider, token service, card scheme, and issuer — with token lifecycle management.

Tokenisation — Apple Pay / Google PayEMV Payment Tokenisation for digital wallet acceptanceCardholderDeviceWalletProviderTokenServiceCardSchemeIssuerBankSupported WalletsApple PayGoogle PaySamsung PayGarmin PayFitbit PayToken Provisioning• Device binding• Biometric auth• OTP verification• Token deliveryToken Lifecycle• Suspend / resume• Delete on loss• Replenishment• Expiry refreshTransaction Auth• Cryptogram verify• Device score• Risk assessment• Authorise / declineEMV tokenisation — Apple Pay, Google Pay & digital wallet acceptance
Expand diagram

Platform Capabilities

What the Platform Delivers

Apple Pay provisioning and lifecycle management
Google Pay provisioning and lifecycle management
Samsung Pay, Garmin Pay, and Fitbit Pay support
Token provisioning via OTP, app, and call centre
Cryptogram verification at authorisation
Token suspend, resume, and delete
Token replenishment management
Device binding and biometric authentication
Risk scoring for provisioning requests
Token analytics and reporting
Scheme Token Service Provider (TSP) integration
PCI-DSS v4.0 compliant token vault

Key Features

Built for APAC Requirements

Multi-Wallet Support

Support all major digital wallets from a single platform — Apple Pay, Google Pay, Samsung Pay, Garmin Pay, and Fitbit Pay — with a consistent provisioning and lifecycle management experience.

Secure Provisioning

Verify cardholder identity during provisioning via OTP, in-app authentication, or call centre — with risk scoring to detect fraudulent provisioning attempts before tokens are issued.

Cryptogram Verification

Verify the EMV cryptogram on every tokenised transaction at the issuer authorisation host — ensuring that only genuine device-generated transactions are approved.

Token Analytics

Monitor provisioning rates, wallet adoption, token usage, and fraud by wallet type and card product — with actionable insights to drive digital wallet programme growth.

Typical Use Cases

Who Uses This Platform

  • Card issuers enabling Apple Pay and Google Pay for cardholders
  • Banks launching digital wallet programmes for consumer cards
  • Processors providing managed tokenisation services to issuer clients
  • Fintechs issuing virtual cards with digital wallet provisioning
  • Corporate card programmes enabling mobile payment for employees

Get Started

Ready to Implement?

Proximo's specialists will scope the implementation, manage the vendor relationship, and deliver a production-ready system — configured for your APAC market.

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