ToPay Mobile Wallet

Increase your revenues by offering your customers a state-of-the-art payment experience and added values with Netcetera’s highly configurable, fully brandable and secure mobile wallet.

ToPay Mobile Wallet

ToPay Mobile Wallet

More than mobile contactless payment

With mobile devices becoming the commodity-interface in consumers’ daily interactions, they are an ideal instrument for banks and issuers to enable their customers for the next generation of payments, enhanced with value added services.

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

ToPay Mobile Wallet enables tap-to-pay for mobile devices based on the leading international card payment schemes. The integration into your existing app – where your cardholders already check their account balance and transactions – will give them the confidence to try the new payment features and enjoy faster checkouts without taking out their leather wallet.

Our solution

Loyalty Cards

The integration of loyalty cards and programs with bonus points and targeted offerings increases the importance of your app on consumers’ mobile devices.


Transaction histories of payments made and instant notifications ensure transparency and control.

Wallet Payments

Our wallet enables you to integrate P2P payments, which is a safe bet in the competition of attracting the digital customer.

Central Hub

The wallet utilizes our mobile contactless payment platform (ToPay Cloud Platform) for HCE payments. It acts as central hub for managing all payment tokens and devices (e.g. wearables, IoT) for your security-aware customers and provides a hassle-free way to set and control spending limits.

Payment Cards

ToPay Mobile Wallet enables issuer to offer an in-app provisioning of payment cards into Apple and Google Pay.

Maximize your users payment experience.
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For service providers

  • Enhance your brand visibility and keep the customer interface by providing valuable payment-related services.
  • Easily build upon or integrate our customizable, pre-certified mobile wallet ensuring faster time to market.
  • Be prepared for emerging payment channels (e.g. IoT, wearables).
  • Benefit from our pre-integrated ToPay Cloud Payment SDK for HCE.
  • Full PCI DSS compliant operations in Switzerland guarantees quality, security and reliability.
  • Support of existing issuer authentication systems and flexible connection to card management and issuer back-end systems
  • PSD2 compatible strong user authentication.

For cardholders

  • P2P payments and QR payments
  • Various additional payment services within their mobile wallet as one-stop-shop
  • Secure and  frictionless mobile payment experience provided by your trusted brand
  • Card activation and usage for OEM pays (Google Pay, Apple Pay).