Deploying one of the first MCBP Tokenization platforms worldwide

The Challenge

Mastercard Cloud-based Payments (MCBP Tokenization) standard version 1.0 was first introduced in December 2014. This standard allowed purely software-based tokenization of payment cards. This marked the beginning of a new era in contactless payments. 

Our client, being known as an innovative bank in their region, approached us with the idea of building the first tokenization system in their region, based on MCBP Tokenization ver.1.0. In early 2015, there were no successful implementations of this technology in the country and contactless card acceptance penetration was quite low (around 3,000 contactless terminals only).

To implement this project, our client needed a time-tested and reliable partner. Our client chose D8 Corporation because of our previous work history with the bank and our level of flexibility. 

Solution We Offered

We offered a Tokenization Platform in its first version, that was initially built around the MCBP Tokenization standard. Our client wanted to build a separate digital wallet product, instead of just integrating payment functionality into their mobile bank. 

MCBP Tokenization standard is built around Host Card Emulation (HCE) technology. HCE technology turns any NFC-enabled smartphone into a contactless card. Users can then make purchases at any contactless POS terminal by just tapping their phone. 

At the time, our client had the in-house card management system (CMS) installed, so integration between the CMS and the Tokenization Platform went very smoothly, as D8 Corporation had ready-to-use API for integration with the CMS system.

In this project, we used one Thales payShield 9000 HSM, integrated with our Tokenization Platform server, in one location at our client’s data center. Integration with Thales payShield 9000 went smoothly and all minor challenges we encountered were solved almost instantly, thanks to Thales excellent and fast-working support team.

As for the mobile wallet, we created a separate wallet for mobile cards, running on NFC-enabled Android phones. We developed this application according to our client’s brand guidelines. 

The last step in the process was the certification of the mobile application and implementation server side with Mastercard. We assisted our client through all steps of the certification process. As a result, our client was able to successfully obtain all required certifications.


The Results

Technologies that were used in this project


Have a similar business case?

case studies

See More Case Studies

Digital Fraud Georgia

Deploying a digital fraud prevention solution for an international banking group in Georgia

In 2023, our client, a Georgian subsidiary of an international banking group, recognized the need to enhance their fraud prevention processes to mitigate the rising threat of digital fraud. Our client was looking for a flexible platform, with modern and scalable architecture, built using a digital-first approach.

Project results:
✔︎ Real-time alerts on any suspicious activity patterns
✔︎ Timely reporting of any suspicious activity to FMS

Learn more
GPay Bishkek

Helping a bank in Kyrgyzstan to tokenize their cards using GPay

In 2023, a well-known bank in Kyrgyzstan made the strategic decision to offer their cards in digital form through the GPay wallet. After careful consideration, they selected D8 as their preferred partner due to our extensive experience in tokenization systems and a successful track record of tokenization projects.

Project results:
✔︎ Launched an integration with GPay
✔︎ The bank became one of the first in the country to offer their cards in Google Wallet

Learn more

Upgrading 3D Secure system

In early 2023, our client was planning an upgrade of their 3D Secure infrastructure to the latest version of EMVCo. standard, supporting RBA and frictionless authentication principles.

Project results:
✔︎ Successfully migrated from EMVCo.ver.1 to ver.2
✔︎ Successfully launched ED Secure as-a-service

Learn more
Contact us

Let's start working on your project ASAP!

We’re happy to answer any questions you may have and help you choose a solution that fits your current needs the best. 

Your benefits:
What happens next?

We schedule a call at your convenience 


We evaluate your current needs and define the project vision and goals


We conduct a solution demo, prepare a proposal, and everything beyond

Schedule a commitment-free call