Helping a bank in Kyrgyzstan to tokenize their cards using GPay

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The Challenge

In 2023, a well-known bank in Kyrgyzstan made the strategic decision to offer their cards in digital form through the GPay wallet. To ensure seamless integration of GPay into their systems, the bank sought the expertise of an experienced partner in tokenization systems. After careful consideration, they selected D8. The deciding factors were our extensive experience in tokenization systems and a successful track record of tokenization projects. A few example of such projects – Mastercard MCBP launch, Apple Pay integration, GPay integration, and National-scale CBTS in neighboring Uzbekistan.

Solution We Offered

Tokenization is a crucial aspect of enabling Google Pay device support for cards. It involves integrating with Token Service Providers (TSP) and Token Requestors (TR). This ensures the secure storage and transmission of payment information. In GPay case, Google Wallet is playing the role of the Token Requestor that processes all of the token issuing requests and lifecycle events. 

However, an I-TSP connection is needed to verify the cardholder’s identity and any card usage restrictions that the issuer might have in place. We offered our Tokenization Platform, which has Visa VTS and Mastercard MDES-certified I-TSP interfaces. By partnering with D8, the bank is ensuring that its customers’ sensitive payment details are properly encrypted and protected throughout the cardholder verification process.

We are well-versed in the technical aspects of Google Pay components, such as the Google Pay service and the Google Wallet app. Our team also has previous experience cooperating with the GPay team during end-to-end certification of such projects in Visa and Mastercard. Our previous successful projects in this space serve as a testament to our capabilities and commitment to delivering high-quality solutions.

By partnering with D8, the bank in Kyrgyzstan can rest assured that they have chosen a reliable and experienced partner.  We will assist them in their journey towards offering digital cards through GPay. We look forward to working closely with them to ensure a smooth integration process. As a result, the bank will meet their specific requirements and deliver a superior user experience for their customers.

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The Results

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

Technologies that we used in this project

JavaScript
Bootstrap.JS
Node.JS
MongoDB

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