ToPay Cloud Payment

Keep control of all digital touch points of your customers payment experience by enabling your mobile apps with contactless payments based on scheme tokenization. 

Cloud Payment

ToPay Cloud Payment – HCE tokenization

Enabling mobile payments with scheme tokenization

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

Our HCE tokenization solution is independent from manufactures and Google. It allows issuer to keep control of all digital touch points 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 backend.

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.

Card activation

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

source code

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.


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

Maximize your users payment experience.
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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.