Advantages for Wallet Providers

XardPay has developed an advanced, interactive card that could be described as a "virtual companion card”. Working alongside your mobile phone app that is securely paired to the XardPay card, the solution provides the perfect platform combining the best of both worlds – mobile and card payment.

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All products are designed from the outset to be:

Mass produced in high volume

Low cost

Fits within the existing global card manufacturing supply chain

Works in all ATM and POS terminals that read the EMV chip

Easy and intuitive to use with no change in user behaviour for payment

Life span in line with issuer expectations

Extend the reach of your mobile wallet

Many consumers love the convenience of using their mobile to pay and the benefits of managing all their cards in one place using their mobile wallet. Yet, whilst mobile wallets are becoming more accepted at payment locations worldwide, there are still many payment terminals where a consumer still needs to use a traditional plastic card. This means that your wallet users still need to carry all their cards, reducing the usefulness of your mobile wallet.

With the XardPay card, the cards in your mobile wallet can also be stored in the XardPay card. So when your customer comes across a scenario where they cannot use their wallet to pay, they simply pull out their XardPay card and use that. It even carries the same branding as their mobile wallet - your brand.

The XardPay card is the perfect companion to your mobile wallet.

Bring your brand into the physical wallet

The XardPay card provides a unique opportunity for you to bring your brand into the coveted “top of wallet” position for consumers.
For those occasions when a mobile payment is not possible, why not have your customer pull a card from their wallet carrying your brand?
The enhanced security offered by the XardPay card over conventional plastic cards is an extra benefit that you can pass on to your customers.

The XardPay card is the perfect companion to your mobile wallet.

Designed to work with your mobile app

The XardPay card pairs with your wallet app via an API, so you can maintain your look and feel. This allows you to manage the critical user interface and touch points with your customer.

The XardPay card is the perfect companion to your mobile wallet.

Designed to fit into the existing card supply chain

With an in-depth knowledge of the payment card industry, XardPay is able to provide solutions that can easily integrate into your supply chain.

This knowledge includes:

Personalization and fulfilment
Card graphics customization
The use of pre-laminated sheets for card assembly
High yield flexible circuit manufacturing
Product approvals and certification
Off the shelf, dual interface, EMV chips