Trusted Digital Payments & Service Hub for Wallet Providers - Thales TSH Pay

Digital wallets: The future's currency. Are you ready?

Wallet providers, have you felt the tidal shift in payment methods?

Due to Covid-19, digital wallets aren't just the domain of tech enthusiasts anymore; they've become an essential tool for all.

This isn't a passing trend. By 2025, projections indicate 7.1 billion smartphone users worldwide (source Statista), each seeking robust, efficient digital wallet solutions.

This is your cue. To lead the market, ensure your wallet comes with a payment platform that is secure and stable, universally compatible and user-friendly.

Secure and stable to build trust in transactions

Ensuring top-tier security and reliability is non-negotiable for wallet providers.

By meeting global standards, you protect transactions and build enduring customer trust.

Widely available to unlock universal payments

EMV tokenisation is at the heart of digital payment systems, providing open access for banks to a wide range of digital wallets, including Apple Pay, Google Pay, and eMerchants like Amazon and Netflix.

In fact, according to research by Thales, by 2024, there will be 15bn EMV tokens in existence worldwide.

Be part of the future, ensuring your platform connects universally.

Crafting a streamlined payment experience

A smooth and lean user experience is essential in digital payment systems that are enabled in a mobile app–if they are to target the diverse needs of both digital natives and late adopters.

In turn, they give banks and other payment wallet providers a perfect opportunity to get closer to their customers, improve the consumer experience and enable new ways of promoting more services while driving increased mobile banking engagement.

Leading in payment innovation

You know why consumers like digital payments and what innovations your customers want.

So why not focus on creating innovative solutions and building your payments brand while leaving security technology experts to worry about the nuts and bolts of your digital payment services?

Choose a payment partner which:

• Supports your need to be device-agnostic
• Offers the best security available – and which works regardless of the security level of the smartphone
• Can handle the whole process, regardless of the size of deployment, to ensure seamless adoption
• Supports the main international networks and domestic schemes to provide the broad reach that your customers demand
• Ensures your solution is user-friendly and trusted by end users.

Thales: your expert payment partner

Thales has years of experience in digital payments innovation, with a proven record of successful deployments in more than 50 countries worldwide. So you can trust us to provide the breadth and depth of services needed to roll out a digital payments project, regardless of its complexity.

Introducing Thales Gemalto TSH Pay 

We developed the Gemalto Trusted Services Hub (Gemalto TSH Pay) cloud platform designed to digitise any card from any brand into your banking application or payment wallet.
It comes with a cloud offer, a payment SDK, or a white-label wallet.

The Gemalto TSH Pay cloud service is already connected and live with major international and domestic payment networks.

Gemalto TSH Pay SDK 6 is the smallest payment SDK on the market. It offers built-in security and complies with the latest major payment brands' specifications. This flexible technology can be integrated into your mobile app – or it can be used in our off-the-shelf wallet for:

• Card enrolment;
• Identity verification; 
• Payment keys replenishment; 
• Token lifecycle management; 
• Plus, proximity and in-app payment.

Zero compromise on security

Gemalto TSH Pay SDK is certified by major schemes, including Visa and Mastercard.
Security varies from one device to another, and they are not certified. Gemalto TSH Pay SDK v6 takes the security a step further by combining both:

•    Hardware security based on Android Keystore and iOS secure enclave. 
•    Our in-house developed device-agnostic software protection, which is embedded in the SDK with the following three security layers:

Maximise the enrolment success rate on your app.

 You might think that providing cutting-edge innovative services could result in creating a big and cumbersome app.

But it doesn't have to.

The Thales Gemalto TSH Pay SDK approach is lean, resulting in a small yet powerful mobile payments app of only 4MB. This is important because if an app is too big, fewer people will download it.  
Plus, if it is big, it is more likely to be deleted from a mobile device when a user needs to free up space.

Simpler and faster user experience

Small also means speed: the bigger the app, the longer it takes to start up, providing a slower user experience.
No need for an app to run in the background; the new Gemalto SDK6 for TSH Pay enables Mobile App developers to deliver a 20% faster Tap&Pay mobile payment experience.

Our approach means we have managed to shrink the SDK to a fifth of the size of the competition without compromising on quality, offering access to multiple schemes and multiple payment channels. 

Launching mobile wallets: faster and simpler 

•    No need for dedicated White Box Crypto (WBC) generation per wallet app on delivery.
•    No need for a WBC key ceremony for each payment wallet
•    The same team handles both customer onboarding and Level 2 support
•    A development portal and sandbox cuts your integration effort by half. 

All the needed use cases supported

Easy enrolment
Our focus is on simplicity – from the app being downloaded to enrolment and everything in between and beyond.

Whether your customer has lost their physical card or opened a new account, the Gemalto TSH Pay SDK 6 gives them a chance to get their new digital card straightaway via their mobile banking app.

But the innovation doesn't stop there: Your customers can also digitise any payment card on their preferred payment wallet.

Multi-channel payment application
Speed and simplicity are key – and in the Covid-19 world, they're even more essential. Using the Gemalto TSH Pay V6, your customers can access Visa, Mastercard, domestic payment schemes and soon American Express. They can pay in-store using NFC via contactless POS or a transport reader (which supports ODA and CDA). Or they can pay with a QR code using Android and iOS devices.

The technology can also be used for eCommerce based on in-app purchases.

Staying ahead in the digital game

Having created a buzz around your innovative payments offering, you'll want to keep control and ensure that your service continues to meet performance targets.

Our Digital Payment SaaS platform empowers you with real-time insights, ensuring you remain the industry leader.

It helps cut integration efforts by half and provides one centralised place for online onboarding, a built-in test sandbox, tokens lifecycle management, and online training and sample source codes.