D8 HCE Payments

What is D8 HCE Payments

HCE (Host Card Emulation) is a new technology for emulating contact-less card by using smartphone with NFC antenna. This technology enables mobile phone to act as a contactless card and allows clients to make payments for purchases by using their smartphone.

This is very convenient option, since you can forget your card or wallet at home, but your smartphone is always with you!


HCE Payments

HCE Payments consists of following components


Mobile application Server-side logic Gateway for integration with Issuer’s Processing System


Main features of HCE Payments


Contactless cards (EMV or mag. Stripe) emulation by HCE compatible smartphone Cards data is not stored in smartphone Safe storage of transaction data and other confidential data of HCE application



Cards data lifecycle management Multiple cards support on a single device with ability to choose Ability to block all mobile cards in cases, when smartphone is lost



Protection from unauthorized use by using password No needs to issue a new card – mobile cards are created as childs for the original plastic card

See also
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FIS Cortex

Cortex is a multi-functional processing system that provides the issuance and service of debit cards and other miscellaneous cards. Cortex systems create effective processing centres that service multiple countries under one system installation.

D8 Infinity

D8 Infinity is a secure, convenient and multi-functional solution for developing and providing remote services that gives its user an opportunity to manage all customer and business processes.