E-wallet: all your digital payments
in one app

Convenient and secure, the digital wallet simplifies payments and enhances your loyalty programmes. Xpollens’ BaaS platform enables you to integrate the mobile wallet into your customer journeys, bringing a new dimension to the shopping experience.

Refund notification on the client's app.

Mobile wallet:
one app, multiple uses

Accessible from a smartphone or any other connected device (wearable), an e-wallet or mobile wallet is a digital wallet application that allows you to:

Safely store identification information (KYC),
Send and receive money between individuals,
Pay for purchases in-store and online,
Utilise loyalty programmes,
Make bank transfers,
Pay bills,
Access other value-added services.

The 4 advantages of mobile wallets

Convenience

No more overloaded wallets full of payment and loyalty cards.
No more forgetting your physical wallet at home.
Users can make payments directly with their mobile phone.

Security

Digital wallet applications are inherently equipped with strong authentication systems that secure transactions and ensure confidentiality, all while optimising the customer experience: NFC | QR Code | 3D Secure | One-Time Password | biometry

Services

The mobile wallet increasingly facilitates everyday operations via a mobile phone, such as transferring money to a third party or paying bills.

Data

In compliance with GDPR (General Data Protection Regulation), e-wallets enable businesses to collect valuable data – such as frequency, location, and purchase amount – to better understand their customers and provide more relevant offers.

The 4 kinds of wallets at Xpollens

Depending on the market nature and user profiles, Xpollens supports you in implementing different types of e-wallets.

Mobile wallets

These allow the addition of payment cards to a mobile device:

Payment wallets

These enable digital transactions, such as payments and money transfers, by adding payment cards and connecting to a bank account, potentially through a virtual IBAN to protect the primary IBAN.

Merchant specific wallets

Powered by payment cards, gift cards, promotional rewards, or loyalty programmes, this kind of private wallet allows merchants to create innovative and seamless customer journeys, such as Scan & Go or pay-at-table.

Cryptocurrency wallets

These allow self-custody, enabling users to manage their cryptocurrencies, keys, NFTs, and data in one place.

E-wallet in 2 use cases

The private payment wallet “Izly”
in the student catering sector

The need
The CROUS (public service for student life) wanted to provide students with the ability to pay for meals in the network of university restaurants using a student card or smartphone (NFC, QR code).
The solution needed to offer:

Automatic pricing based on the student’s status.
Money transfers between students.
A catalogue of deals.
Access to discount coupons and daily services selected by the CROUS.

The solution
Izly is actively used by more than 800,000 students across the 26 CROUS regions in France to easily and securely top up their accounts at any time via instant transfer or bank card.

The Scan & Go payment wallet
in the retail sector

The need
A retail chain wanted to accelerate and secure pay in, but more importantly, offer customers in its stores a seamless and differentiated shopping experience.

The solution
The implemented e-wallet app allows customers to:

Pay for their purchases while avoiding queues at store checkouts,
Utilise their loyalty programme benefits,
Add products to a virtual basket using the Scan functionality provided by the retailer.