Changing how people
buy and pay – for everything!

A suite of solutions to maximize your transaction revenues. Offer your cardholders more secure, faster, simpler and effortless digital payments.

ToPay Mobile Wallet

Mobile Wallet


ToPay Mobile Wallet is a white-label mobile wallet extending your customer relationship beyond mobile contactless payments.

  • Available for Android and iOS
  • Tap-to-pay with mobile devices, compatible with contactless payment terminals worldwide
  • Card management
  • OEM payment integration
  • PSD2 compliant authentication
  • Loyalty cards

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ToPay Cloud Payment

Cloud Payment


Our ToPay Cloud Payment solution enables any Android application to support mobile contactless payment via host card emulation (HCE).

  • Scheme based MDES and VTS
  • An easy to integrate SDK
  • NFC via host card emulation (HCE)
  • Monitoring functionality for customer support and business reporting
  • Certified by Mastercard and Visa

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ToPay Secure Checkout

Click to Pay


Click to Pay is a digital wallet solution based successor Secure Remote Commerce. The Wallet securely stores all payment and shipping information and enables a simple, fast and secure checkout process.

  • Digital payments anywhere, with any device, with any payment card
  • App (e-commerce) checkout
  • APIs for data integration

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ToPay eCom Token Enabler

eCom Token Connector

ToPay eCom Token Connector is a scheme agnostic enhancement for e-commerce payments to increase conversion and security with network tokenization.

  • Replace PANs and PSP tokens by network tokens
  • Full life-cycle notifications by connecting merchants and issuers
  • Provides artwork of the payment cards
  • No costly integrations to MDES for merchants, VTS etc.
  • Easy to integrate unified API for PSPs and merchants
  • Certified by Mastercard and Visa

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Maximize your users payment experience.
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Creating trust for more than 20 years

Because we have been
serving the most trusted banking system in the world for more than 20 years.

Because we have
global customers with diverse requirements that made us experts in the industry.

Because we love
payment technologies and future payment innovations.

ToPay solutions and services

are fully certified

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Find out more about digital payment trends, expert articles and webinars in the
Knowledge hub on the Netcetera website.

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