Solution blueprint

Add cards to Apple / Google Pay

Tokenise existing cards into mobile wallets. Below is the product stack you need, with verified European providers for each layer - compare by EEA data residency, licence and regulator.

Step 1 — Wallet provisioning (X-Pays) required

Push cards into Apple/Google/Samsung Pay (token requestor).

Enfuce EU core Finland
Giesecke+Devrient EU core Germany
IDEMIA EU core France

Browse all: Tokenization – X-Pays

Step 2 — Or your own in-app wallet optional

Issuer wallet (HCE) - tokens in your own app instead of big-tech wallets.

Giesecke+Devrient EU core Germany
IDEMIA EU core France
MeaWallet EU core Norway

Browse all: Tokenization – Non-X-Pays

Sovereignty notes

Since iOS 17.4, third-party wallets get NFC/HCE on iPhone - but only in the EEA. A literal case of European regulation = European advantage.

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