ToPay Cloud Payment

Easily transition from traditional payment cards to digital credentials provisioned in mobile devices with our Cloud Payment solution

ToPay Cloud Payment-HCE Tokenization

Enabling Mobile Payments by use of Scheme Tokenization

ToPay Cloud Payment enables the
financial industry transition from
traditional payment cards to digital
credentials provisioned into
mobile devices.

Our HCE tokenizatoin solution is
independent from manufactures and
Google. It allows issuer keeping thecontrol of all digital touchpoints of their customers payment experience.

Fully certified with Mastercard and Visa, ToPay Cloud Payment enables card
digitization for mobile payments using
a pre-certified SDK and a serviced


Our Solution

The ToPay Cloud Payment system consists of both an Android Library and a service facilitating CMS-D and MAP functionality connected to MDES and VTS, respectively. A unified service layer allows to add more token services eg  AMEX AETS or closed loop tokenization services for local debit schemes on request.

For the development phase, back-end emulators simulating MDES and VTS as well as the provided source code of a demo MPA will allow an experienced developer to do the integration job in just a few weeks.

All use cases such as green-path card activation, device eligibility, replenishment, suspension and unsuspension of cards by issuer or consumer etc. are supported.

The production backend service is operated with an availability of more than 99.7% in our PCI-DSS, VbV and ISO-27001 compliant data center.




Maximise your Users
Payment Experience.
Get in touch with us!




For Service Providers


  • An easy to integrate and pre-certified SDK enables fast development of your wallet


  • Supporting Mastercard and VISA standards such as MCBP 2.0, MDES, VCBP 1.8 and VTS as TR-TSP


  • State-of-the-Art security by use of white-box cryptography and control-flow obfuscation


  • Monitoring functionality for customer support and business reporting

For Customers


  • Enable your clients for the strongly growing area of mobile payments


  • Simple solution, using HCE technology, available on almost every Android device today


  • 360 degree payment experience without any disruption – simply accept T*C without entering any card details and start paying mobile


  • Complete data control – data remains private and stays in customer control

Contact us

Zypressenstrasse 71
8040 Zürich, Schweiz
T +41 44 297 55 55