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.
How the stack fits together
Getting cards into phones has two routes. The common one is X-Pay provisioning: a token requestor connects your cards to Visa VTS and Mastercard MDES so they can live in Apple Pay, Google Pay or Samsung Pay. The second is your own wallet: host card emulation (HCE) lets your app make contactless payments itself - long possible on Android, and on iPhone only in the EEA, since iOS 17.4. Details: iPhone NFC for European issuers.
Step 1 — Wallet provisioning (X-Pays) required
Push cards into Apple/Google/Samsung Pay (token requestor).
What to check: Check push provisioning from your app, support for both schemes' token services, and how token lifecycle events reach your systems.
- Enfuce EU core Finland
- Giesecke+Devrient EU core Germany
- IDEMIA EU core France
In the catalogue — Tokenization – X-Pays: 18 live providers, 10 with data in the EEA; 12 EU-core.
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.
What to check: Ask for live references of HCE on iPhone in the EEA, and what the issuer must hold - EEA establishment, PCI DSS, Apple entitlement.
- Giesecke+Devrient EU core Germany
- IDEMIA EU core France
- MeaWallet EU core Norway
In the catalogue — Tokenization – Non-X-Pays: 10 live providers, 6 with data in the EEA; 7 documenting iPhone HCE in the EEA.
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.