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Xpay: your digital and mobile payment cards

For a payment experience that is simultaneously mobile, fluid, and secure, your customers can register their payment cards on their phones’ Xpay wallets. Xpollens payment cards are compatible with digital wallets Apple Pay, Google Pay, and Samsung Pay, enabling online or in-store contactless payments without purchase limits.
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A solution tailored to current mobile payment challenges

Whether you issue physical and/or virtual payment cards as part of a payment services offering, loyalty programme, reversal process, or compensation scheme, the compatibility of Xpollens cards with Xpay apps ensures your customers benefit from:

  • Rapid payment execution
  • Enhanced transaction security
  • Flexible usage across all channels

Advanced features for an optimal customer experience

Contactless payment without constraints

Integrating a card into an Xpay application allows users to:

  • Bypass the contactless payment limits set by their bank.
  • Complete purchases with a simple gesture on a smartphone compatible with NFC payment terminals.

Complete transaction control

Users enjoy increased control over their spending:

  • Real-time transaction history
  • Instant notifications for each payment

Enhanced security

A major advantage of the mobile wallet is the protection of access to payment cards and financial information.

Reinforced authentication

Beyond standard codes or passwords, Xpay solutions use biometrics to authenticate users during payments. Only the cardholder can thus authorise transactions, eliminating any risk of fraudulent use.

Banking data tokenisation

During an Xpay payment, the card information is not transmitted in plain text but via a payment token. This tokenisation process guarantees the confidentiality and integrity of banking data.

Mobile payment accessible in 4 key steps

Irrespective of the mobile wallet or smartphone, installing and using an Xpay mobile application is intuitive and swift.

Only four steps are needed to start the service:

Download and install the Google Pay, Apple Pay, or Samsung Pay application compatible with the smartphone’s operating system.

Add the Xpollens white-label physical or virtual card by entering card details: number, expiration date and security code.

Authenticate via a KYC process to secure certain services requiring additional identity verification.

Pay contactless after selecting the payment card personalised according to your design and brand.

The little extras of Xpay

Apple Pay:
For iPhone users

  • Native integration on iPhones
  • Compatibility with the Apple ecosystem
  • Biometric authentication via Face ID or Touch ID, with unlock code or password as backup
  • Simplified online payment on Safari
  • Card addition by photo or manual entry

 

Use Case:

A customer completes supermarket shopping: with a simple double-click on the device’s side button, authorisation is validated by Face ID, and payment is processed in under 2 seconds.

Google Pay:
The universal Android solution

  • Compatible with all Android smartphones version 5.0 and later
  • Intuitive and ergonomic user interface
  • Secure card storage in Google Cloud
  • Detailed transaction history
  • Integrated loyalty programme

 

Use Case:

When making an online purchase, the customer selects Google Pay service at checkout: their payment card details are automatically populated, and the transaction is validated with just a few clicks.

Samsung Pay:
Innovation and versatility

  • Native integration on Samsung smartphones
  • Unique MST – Magnetic Secure Transmission technology (available on models prior to Galaxy S21)
  • Compatible with traditional payment terminals
  • Enhanced security via the Samsung Knox platform

 

Use Case:

Even on a payment terminal lacking NFC capability, customer can complete a transaction using their Samsung smartphone, leveraging MST technology to expand payment options.

Tailored support to assist you at every stage of your project.

Your bespoke Xpay-compatible card programme

With Xpollens’ Banking-as-a-Service technology and the payment tools integrated via API from the Payment Experience offering, you can design a personalised, Xpay-compatible payment card programme for a frictionless customer experience.

 

From the scoping phase to the operational phase, you have a dedicated contact for your project and the support of our teams to accompany you daily.

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Want to know more?

Discover how Xpollens can integrate into your projects

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