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Through Synctera, you can offer your end customers the ability to add cards to their digital wallet, such as Apple Pay or Google Wallet. This provides a convenient way for cardholders to store and use their payment cards securely. When the card is added to the digital wallet, the card’s sensitive data, i.e. the PAN, expiration date and CVV, is replaced with a token. This token serves as a reference to the card, and is used when the cardholder makes a payment using the digital wallet. In order to enable Apple Pay and Google Pay, the FinTech will need to submit the following:
  1. Digital asset of the card - required: Network logo, card product identifier (1536 x 969 pixels in PNG)
  2. Digital asset of the FinTech icon (100 x 100 pixels in PNG)
  3. Digital asset of the FinTech logo (1372 x 283 pixels in PNG)
  4. RBG Colors of foreground, background, and logo color.
  5. (Mastercard) Completed “Product configuration profile” - PRODUCT CONFIGURATIONS Tab on form only - see below:
  • Mastercard Configuration Profile (file - 15.85 KB)
  1. (Visa) Completed “Visa Affinity/Co-brand Application” form - see below:
  • Visa Affinity Co-brand Application (file - 178.76 KB)

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In-App Provisioning (Push Provisioning)

Cardholder can “push” the card to the digital wallet from within your app, for example through a “Add to Wallet” button. While Synctera facilitates this, you will also need to directly integrate with Apple and Google. We do not support Samsung Pay at this time.

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Google Wallet

  1. Complete the Issuer Documentation Access Request Form with Google. This allows the FinTech’s engineers to have access to all the Google resources.
  2. Complete the Push Provisioning API UX Review Request and submit the FinTech’s UI/UX mockups. 
  3. Complete the Push Provisioning API Access Request to whitelist the FinTech’s App app. 

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Apple Wallet

  1.  Sign the Apple Agreements and notify your I&O Specialist
  2. Request Apple Pay in-app provisioning entitlement
    1. Gather the Mobile App Name and Adam ID in App Store Connect
    2. Gather the Team ID in the Apple Developer account under “Membership”
    3. Email applepayentitlements@apple.com to request the Apple Pay Provisioning Entitlement. Provide your Mobile App Name, Adam ID, and Team ID in the body of the email.
  3.  Add the in-app provisioning entitlement to the iOS provisioning profile
    1. Go to “Certificates, Identifier & Profiles” > “Distribution” and choose the appropriate iOS provisioning profile.
    2. Select “Apple Pay In-App Provisioning Distribution” from the drop-down and add to the iOS provisioning profile. 
  4.  Enable Apple Wallet Capabilities 
    1. Go to “Certificates, Identifier & Profiles” > “App IDs”
    2. Under “Capabilities”, select “Wallet”
  5. Provide a PDF of user flow in the Application to your I&O Specialist
    1. How does an user access the card and card details?
    2. Where is the “Add to Wallet” icon?
    3. What happens after the user clicks “Add to Wallet”?

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Digital Card - Requirements and Dimensions

Design Requirements
  • Card image should include Card background, network logo, product identifier, and FinTech logo
  • Size is 1536 x 969 pixels in .png format
  • No shading or three-dimensional elements in an attempt to have the card look like a physical card
  • Generic art should be avoided. 
  • Card background images should not include cardholder name, PAN, or expiry (either generic or actual values)
  • Rounded corners are not allowed

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Example card

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Consumer Card

Debit Consumer Debit Credit Consumer Credit

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Commercial Card

Debit Commercial Debit Credit Commercial Credit

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Additional details on dimensions

Tokenized Card Dimensions 1
Tokenized Card Dimensions 2 Tokenized Card Dimensions 3 Tokenized Card Dimensions 4

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Card Product Identifiers

NetworkProduct TypeProductProduct Identifier Needed on Card
MastercardDebit / ConsumerDebit Mastercard Enhanced (MDS)Debit
MastercardDebit / CommercialDebit Mastercard Businesscard (MDB)Business Debit
MastercardCredit / CommercialMastercard Corporate Purchasing Card (MCP)Corporate, Purchasing, or Commercial
MastercardCredit / ConsumerPlatinum Mastercard (MPL)(None)
MastercardCredit / ConsumerWorld Mastercard (MCW)World
VisaDebit / ConsumerVisa Classic DebitDebit
VisaDebit / CommercialVisa Business DebitBusiness Debit
VisaCredit / ConsumerVisa Traditional Credit(None)
VisaCredit / CommercialVisa Business CreditBusiness

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Digital Card - Testing Requirements

Below is a downloadable test pack for Apple and Google Wallet. Please reach out if you have any questions or feedback! Synctera Digital Wallet (Apple & Google Wallet) Testing (v1) (file - 5.96 KB)

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How-to suspend, unsuspend, and terminate the card

Use the digital wallet token API to update the token_status or use the Synctera Console. Instructions for the Console use is below:
  1. Login to the Synctera Console
  2. Choose a card to update
  3. Go to the “Tokens” tab
  4. Find an “Active” status token and click the “…” to see options to suspend or terminate the token.
Tokenized Card Dimensions 1

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FAQ

Q: My card or my customer’s card cannot be added to Apple or Google Wallet and I am getting an error. A: The cause can vary, but Mastercard, Apple, and/or Google can decline a customer’s ability to add their debit or credit card to their digital wallet. This occurs when the entities believe the fraud risk of the individual is higher than their threshold. The wallets calculates these scores based on behavior across Apple’s or Google’s lines of business and programs. Apple and Google considers various factors in coming up with the score, including historic and recent transactions, anomalous behavior, and links to known bad actors or activity. The trust scoring modes are managed by Apple and Google’s fraud team and adapted based on the latest fraud knowledge and trends.
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