Think outside of the swipe

Grow your digital payments capabilities.

Visa payWave

Expand your digital payments programme.

Turn smartphones into smart cards

With Host Card Emulation (HCE), any NFC app for Android can enable the smartphone to emulate a smart card.  Users can wave their smartphone in front of a secure reader to pay, with the security of Visa’s technology behind them.

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Innovative technology

Want to develop your own cloud-based payment application or enhance a pre-existing mobile banking app? Visa is developing a software development kit (SDK) so that partners can leverage Visa payWave functionality for their own apps.

Protection in the cloud

Visa will deploy multiple layers of security to safeguard payment accounts in the cloud, as well as at the Visa network, application and hardware levels. One-time use data, real-time transaction analysis, payment tokens and device fingerprinting technology help defend against unauthorised account access.