Tokenization

Secure payment transactions on all devices and for all use-cases for all your cardholders

Enterprise
Financial services
Digital payment solutions

EMV Tokenization digitises physical and virtual payment cards in the form of unique digital identifier tokens. Securing all transactions online, in-app or in-store, whatever the device.

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The foundation of all digital payment experiences

Tokenization enables the most secure, seamless and convenient transactions on all devices for all cardholders

Tokenization lifecycle

From token creation securing cards with a unique alternative PAN, to digitisation including end-user verification and provisioning to any device, our service manages the complete lifecycle of the tokens. Backed up with a strong and powerful decision engine.
Scheme-agnostic

We support international schemes (Visa, Mastercard, Amex, Discover) as well as domestic schemes in more than 65 countries.
Digital wallets

From the major OEM wallets (Apple Pay, Google Pay, Samsung Pay, etc) to merchants and wearables, we support all types of card provisioning. Converting your mobile banking app into a mobile payment wallet for all your cardholders is a no brainer, for both iOS and Android.
Simplified integration

One API. One platform. One unique access to all tools.
Our developer-friendly platform removes the hassle of complex implementation and integration, while allowing for continuous evolutions and regulatory compliance with limited impact on your operations.
Security and data integrity

Our D1 platform hybrid cloud architecture is specifically designed for high-performance and security with end-to-end encryption expertise certified to be PCI-DSS and GDPR compliant. You will benefit from in-house expertise allowing us to guarantee operational excellence.

New Forrester study commissioned by Thales

What does the future of payment tokenization look like? Drawing on insights from more than 500 senior decision makers, this Thought Leadership Paper explores how organizations are advancing payment tokenization and token management strategies. It reveals the gap between ambition and execution, highlighting the challenges organizations must overcome to unlock the full potential of tokenization. Discover what it takes to move toward a truly token-centric future and prepare for the next generation of secure digital and AI-driven payments.

Learn more

The state of payment Tokenization — © thales

With a single integration, our D1 platform lets you deploy all tokenization use cases, from OEM wallets to Click to Pay and Payment Passkey, or transform your mobile banking app into an advanced payment wallet. Enhance and simplify digital payment experiences for your cardholders while reducing fraud and ensuring secure transactions on all devices and at points of sale.

Deploy all tokenization use cases in just a few months from a single cloud platform

Implement a secure, fast and easy online payment solution for all your cardholders. Our D1 platform enables seamless Click to Pay implementation in just a few months, managing the entire customer enrolment and lifecycle. The built-in, scheme-agnostic solution removes the complexity of future upgrades and evolutions, ensuring no compromise of your operations.

Thales D1 Push & Control allows your card-holders to push any card directly from the issuer app to major OEM pays or e-merchants in one single click. All digital wallets can also be fully managed by the cardholder in real time to activate, suspend or delete them simply from their mobile app.
Leveraging D1 Digital Card APIs, you will be able to offer one-tap digital payments on all wallets.

Transform your banking app into a secure, powerful mobile wallet with a unique user experience. Bring NFC payment capabilities to your cardholder's devices under Android or iOS with the same user experience as the most innovative mobile banking apps, with support for international schemes such as Visa or Mastercard, as well as domestic schemes.

Deliver safer, faster online transactions across all phones and laptops/desktops reducing friction, fraud, and checkout abandonment.
By unifying payment passkeys with payment tokenization, Thales enables issuers and merchants to offer next‑level, secure‑by‑design digital payments that protect identity and streamline every step of the customer payment journey.

Are password-free, number-free payments the new standard for online checkout?

In this fireside chat, Mastercard and Thales discuss how issuers can move beyond passwords and card numbers to deliver secure, frictionless online payments, using technologies such as Click to Pay, passkeys, tokenization, and biometrics.

How tokenization secures payments as AI agents shop on our behalf

AI agents are entering the checkout flow, but how do payments remain secure? In this interview with PYMNTS, François Chaffard, VP Digital Payment Services at Thales, breaks down how tokenization safeguards agent-driven payment journeys, balancing automation, speed and trust in the era of agentic commerce.

Financial Services – See all digital and physical payment solutions

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Key Figures

#1 leader in physical & digital card services

90%

success rate on green flow tokenization

alternative to Apple Pay on iPhone worldwide

300M

active cards on D1 platform in 2025

Our customers’ success journeys

Vipps Mobile Pay enabled tap-to-pay for iPhone and Android users, starting with Norway’s BankAxept and quickly expanding to include international payment brands. This world-first achievement was accomplished in just a few months due to hard work and close collaboration, as well as Thales' commitment to fulfilling customer goals in record time.

Vipps Mobile Pay: The Third-Party App Transforming NFC Payments
- 3.37 MB
- 03 Nov 2025
- PDF

QNB – a leading financial institution in the Middle East with more than 22 million customers – launched the region’s first Issuer Wallet in 2019 to meet digital payment demands and reduce fraud, followed by Apple Pay and other wallets for all its cardholders. It has now introduced Click to Pay for secure online transactions, demonstrating its commitment to pioneering innovative, secure payment solutions.

In July 2025, Banco Santa Cruz became the first bank in the country to achieve Click to Pay certification, meeting Visa’s regional requirements and setting a new benchmark for digital payment experiences.

With 600,000+ customers and 250,000 digitalized card accounts now enabled for Click to Pay, the bank is accelerating its mission to deliver seamless, secure, and convenient payment options across its entire Visa portfolio.

To achieve this milestone, Banco Santa Cruz built on its long-standing partnership with Thales, drawing on our expertise in tokenization, push provisioning, and secure digital issuance. By choosing our D1 platform, the bank is now equipped with a scalable, high-performing solution that manages the full digital card lifecycle and supports their ambition to lead digital payments in the region.

Banco Santa Cruz : Click to Pay certification
- 2.67 MB
- 09 Dec 2025
- PDF

With over 6 million users in Europe, Curve is redefining mobile payments with Curve Pay on iOS. In partnership with Thales and powered by Thales' D1 platform, the solution enables secure NFC contactless payments directly within Curve's app on iOS and Android. Customers can easily digitize their payment card and pay in store through a secure and flexible payment experience.

Digital payment solutions
Mobile ticketing

2026 Juniper Research Gold Prize: Best Network Tokenization Solution

Thales D1 won Gold for Best Modern Card Issuing Platform at the 2026 Juniper Research Fintech & Payments Awards, recognizing its digital-first, real-time and secure payment innovations.