Digital wallets

Digitize payment cards, physical or virtual, into HCE digital wallets for NFC Payments

Enterprise
Financial services
Digital payment solutions

Enable secure HCE digital payments on both iOS and Android for your cardholders with a comprehensive solution that manages card tokenization, including enrolment to lifecycle management and payment.

Launch your digital wallet securely and easily

We support you to launch your HCE Digital for your cardholders.

iOS and Android

With proven Android and iOS experience, we support you in transforming your mobile app into a branded proximity NFC Payment wallet. And onboard your cardholders in a seamless digital wallet and payment experience akin to major OEMPay.
Multi-scheme

With proven Android and iOS experience, we support issuers and providers in transforming their mobile app into a branded proximity NFC Payment wallet. Our unique expertise help you launch with improved time to market and position you among the first on your market.
Unique SDK Developer API

Unique SDK developer API for all payment schemes – international and domestic. Our field-proven product roadmap and project integration helps you accelerate all digital wallets and their future evolutions.
Best in class security

Our hybrid cloud architecture is built to offer resilient, high-performing and high-volume operations with no compromise on security and scalability provided with a 4 9 SLA as well as our in-house encryption built with our owns HSMs and run by the best crypto experts in the industry, certified with Common Criteria EAL3+.
Payment schemes certified

Our SDK is certified by Visa and Mastercard, Amex and domestic certification on security , fonctionnel guarantees NFC Payment works on all POS worldwide, response time performance for best consumer experience.

Modern, secure, seamless digital payments

Thales offers a cloud-native, PCI DSS-certified tokenization platform that secures checkout for guests and registered users. Our solution boosts security, cuts fraud, and improves issuer approval rates.

Thales supports fraud reduction, revenue growth, and cost optimisation for digital retailers and wallet providers. With deep expertise in secure, scalable payment solutions, we manage the complexity of payment and wallet security, helping you reduce fraud, boost approval rates, and deliver seamless, trusted user experiences.

Launch and deploy the best digital payment experience on all devices iOS and Android

Launching on major OEM-Pay or deploying your proprietary branded wallet needs to meet the expectations of demanding consumers for frictionless proximity NFC payments, as well as payment schemes requirements.

Our SDK provides your cardholders with the UX level experience they expect – fast and user friendly 1 tap and 2 tap payment experience - completed with high performance contactless transactions capabilities.

Enterprise
Financial services

The Hidden Architecture Behind Digital Wallet Security

As NFC opens and cross-platform access expands, secure trust architecture – built on encryption, tokenisation and authentication – ensures innovation remains safe and seamless.

Leader in HCE Digital Wallets

1st

iOS HCE wallet live

+80

HCE digital wallet live customers

15M

HCE tokens created

Digital Wallet Strategy in 2025

Is launching a digital wallet a smart move - or just a distraction?

In this interview with PYMNTS, Michael Doran, North American Strategic Director for Digital at Thales, explains what it really takes to compete in today’s evolving wallet ecosystem. As new players challenge Apple Pay and Google Pay, issuers must rethink their strategy. Control of the customer journey, stronger margins, real differentiation - are you delivering any of that?

Find out why most wallet strategies fall short, and what it takes to truly drive adoption.

Explore all Payments videos

The Global Payments Divide: Who’s Leading the Digital Shift?

Digital payments are booming , but not at the same pace everywhere.

In this episode, Arjen Hollander from Thales breaks down why some markets move faster than others. Regulation, legacy systems, wallet adoption, consumer behavior, the gap is widening. Wallets are becoming the gateway to commerce. Interoperability remains a challenge. And issuers must scale globally while adapting locally.

So what does it really take to stay competitive?

The true drivers of adoption
The hidden barriers to global scale
How to stay top-of-wallet in a wallet-first world

Financial Services – See all digital and physical payment solutions

Financial services main page

Our Clients’ Success Journeys  

Vipps Mobile Pay - The world’s first alternative to Apple Pay on iPhone

Vipps Mobile Pay enabled tap-to-pay to iPhones 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 empowering customer ambitions in record time.