Service notifications<\/li>\n<\/ul>\nTogether with third-party card issuer petaFuel, we set up Apple Pay for our client before the official launch of the service in Germany.<\/p>\n
We integrated Google Pay as follows:<\/h4>\n Unlike Apple Pay, implementing Google Pay required a third-party SDK provider. To integrate the payment service into our client\u2019s existing banking application, we partnered with payment processor uPaid.<\/p>\n
Intellias specialists paid much attention to security, making eCommerce transactions as safe as EMV chip transactions. We also prepared ten single-use keys (SUKs) for each of our client\u2019s end customers to use Google Pay services even when offline. As soon as a device comes back online, the SUKs are renewed automatically.<\/p>\n
The entire development process was divided into three phases:<\/p>\n
The first phase was developing the registration process, which involved:<\/strong><\/p>\n\ncustomer registration<\/li>\n device binding<\/li>\n checking device SDK eligibility<\/li>\n implementing positive and negative eligibility check scenarios<\/li>\n mobile PIN setup and wallet activation<\/li>\n digitization and tokenization processes provided by the uPaid SDK<\/li>\n petaFuel sending credit card credentials to uPaid<\/li>\n<\/ul>\nThe second phase was developing the payment process:<\/strong><\/p>\n\nOne-tap scenario:<\/strong> Payment is initiated by the customer launching an application manually. The customer picks a card, enters their PIN, and chooses Pay now, which starts the payment process. Then the application is ready to exchange data with a terminal. If the user locks the phone, drops the application to the background, or hits cancel, the process is interrupted.<\/li>\nTwo-tap scenario:<\/strong> Payment is initiated by tapping the device to a terminal. Then the user provides a PIN on the device, after which a secondary tap is needed. Like in the one-tap scenario, the process can be canceled by locking the device or dropping the payment application to the background, or if the operation times outs.<\/li>\n<\/ul>\nThe third phase was implementing the card lifecycle:<\/strong><\/p>\n\nSuspend:<\/strong> A card can be temporarily suspended from posting transactions. This is communicated with Mastercard digital enablement services (MDES) and blocks the possibility to complete any transactions.<\/li>\nUnsuspend:<\/strong> Activates a temporarily suspended card. As a result, the card is no longer suspended, and the wallet application can start processing transactions and collecting SUKs for this card.<\/li>\nDelete:<\/strong> A card can be deleted from the app. Keep in mind that the permanent account number (PAN) isn\u2019t what\u2019s deleted from the wallet database. Instead, what\u2019s deleted is the virtual card number \u2014 the result of digitization. This process can\u2019t be undone, but customers can digitize their cards once again to re-add them.<\/li>\n<\/ul>\nMain implementation differences between Apple Pay and Google Pay<\/strong><\/p>\n <\/p>\n
Business impact<\/h2>\n Aiming at open and innovative digital banking, our client wanted to integrate Apple Pay and Google Pay \u2014 services that are transforming digital payments by offering a secure and convenient way to pay.<\/p>\n
With the help of Intellias, our client managed to become one of the first banks to roll out Apple Pay and Google Pay services in Germany. Contactless mobile payments are now available to all of the bank\u2019s retail and business customers with Mastercard. We helped our client continue growing and enhance the customer experience.<\/p>\n
The solution we\u2019re developing brings these advantages to our client:<\/strong><\/p>\n\nIncreased customer satisfaction<\/em><\/li>\n<\/ul>\nDemand for mobile payments is on the rise. The launch of Apple Pay and Google Pay services allows our client to target digital-savvy customers. By providing easy and highly secure payments, our client has increased their customer satisfaction score.<\/p>\n
\nCompetitive edge<\/em><\/li>\n<\/ul>\nAs not all banks and financial institutions let their customers use mobile payments, our client has a competitive edge.<\/p>\n
<\/p>\n","protected":false},"excerpt":{"rendered":"
We helped the first fully digital bank in Germany integrate Apple Pay services<\/p>\n","protected":false},"author":6,"featured_media":49663,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[5],"tags":[37,13],"class_list":["post-13638","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-case-study","tag-cloud-devops","tag-financial-services","technologies-bootstrap","technologies-coffeescript","technologies-css","technologies-cucumber","technologies-html","technologies-javascript","technologies-mysql","technologies-nosql","technologies-rabbitmq","technologies-redis","technologies-rspec","technologies-ruby-on-rails","technologies-sass"],"acf":[],"yoast_head":"\n
Google Pay & Apple Pay Integration for Contactless Payments<\/title>\n \n \n \n \n \n \n \n \n \n \n \n \n\t \n\t \n\t \n \n \n \n \n\t \n\t \n\t \n