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.

[Learn more](https://bd.visa.com/partner-with-us/payment-technology/visa-token-service.html)

### 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.