Embedded wallet services

Tailor your own wallet experience with our rich, composable digital wallet capabilities.

Key features

Identity and access managementPayment card managementFraud managementLoyalty programs
Gift cardsWallet UI kitAP+ partner snap-insMultiple integration options

And many more…

How it works

Enrich your existing mobile app or wallet, by integrating your chosen wallet services to open payment flow, extend payments, retain customers, grow loyalty, enrich data and reward consumers.

Example instore checkout, loyalty earn, and digital receipt

This example is specific to a physical in-store customer experience

Benefits

SECURITYIDENTITYCUSTOMER RETENTION
PCI-DSS compliant to ISO/IEC 27001 standards, with strict end-to-end tokenisation capabilities coupled with CDCVM and 3DS2 cardholder verification.All participants undergo compliant KYC and KYB protecting against unauthorised access and fraudulent use consistent with AML/CTF legislation.Turn customers into repeat buyers with precision, personalised retargeting functionality, with branded digital receipts as standard.
LOYALTY PROGRAMSGIFT CARDS/VOUCHERSEXPERIENCES
Simply combine existing loyalty programs with our Initiator platform to skyrocket member activity, and deliver a powerful single consumer interaction for a multi-benefit checkout experience.Incorporate existing gift card programs, or create a new one. Our VAS logic automatically suggests valid gift cards to use at participating stores, making redemption a single swipe away.As our ecosystem grows, so does the breadth of experiences for the consumer. Whether an AP+ experience, or partner accredited experience, maximum value is guaranteed.