Mobile Payments Technology


Our HCE solution will quickly and easily enable existing cardholder accounts

or issue new financial products for proximity payments. This solution simplifies

the complexity typically associated with mobile payment deployments without

the need for traditional integration & system upgrade costs.



  • Our solution provides secure and reliable cloud-based card credential management.
  • The main functionality is to provision an end user’s card credentials into the cloud environment and enable their wallets to use these credentials in a secure way.


  • By transferring a token in advance, payments can also be processed without an active Internet connection.
  • Our HCE solution does not require a particular SIM card or secure element.


  • HCE technology enables the customer to pay with the smartphone, so there’s no need to take the bank card.There is a dematerialisation/ virtualization of cards.
  • This feature increases customer engagement by quickly enabling the mobile banking app for payments anywhere and anytime.

Interested in learning more about Host Card Emulation and its influence on the industry?

Watch one of our client’s HCE video, Byblos Pay!



Gain independence and direct control over your application

by using HCE. Get direct control over your brand and consumer

experience with no dependence

on any intermediaries.


 Digitized Cards

Make cashless/ contactless payments within

several minutes after signing in your cards in

the app.


Secured Payments

HCE enables storing the data in the phone’s memory card

or a cloud with the use of certified by Visa, MasterCard

and other technologies.


Monitored Transactions

Instantaneous fraud detection and interception become

reality advanced transaction security features.


 To learn more about our HCE solution

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