Who Can Use It

Visa payWave for Mobile is available for Visa Issuers, mobile network operators (MNOs), mobile device manufacturers, and third-party wallet providers looking to develop proprietary applications.

For questions, email us at paywavemobile-vdc-support@visa.com.

Benefits

• Accelerate time to market: The Visa payWave for Mobile developer tools can help you save time and money by accelerating integration of Visa payWave for Mobile features to proprietary applications.
• Ease of implementation: With access to a robust set of resources, including abstracted code libraries, sample code, and detailed documentation, you can take a flexible and efficient approach to enabling Visa payWave for Mobile payments into your mobile applications.

How It Works

Visa payWave for Mobile is an innovative contactless technology that enables Visa cardholders to simply wave their card or mobile device in front of a contactless payment terminal to make a payment. It’s compatible with NFC technology, the short range communications standard that enables mobile phones to transmit payment information to a contactless payment terminal.

Visa payWave for Mobile brings the complete contactless payment experience to the mobile device, including credit, debit and prepaid products for both online and offline contactless transactions. From the acceptance perspective, mobile devices supporting the Visa payWave for Mobile applications are accepted on all versions of contactless readers that are currently supporting Visa payWave cards.

The Visa payWave for Mobile Ecosystem:

The Visa payWave for Mobile ecosystem includes:

• Visa compliant mobile handsets and secure elements (UICC, eSE, or microSD) - Devices that have been certified by Visa for performing Visa payWave for Mobile transactions.
• Visa payWave for Mobile Issuer - A financial institution offering Visa payment products.
• Service Provider Trusted Service Manager (SP TSM) - A Visa approved secure entity which provides Over the Air (OTA) provisioning and other Visa payWave for Mobile account lifecycle management functions on behalf of Issuers.
• Mobile Network Operator - A provider of wireless communication services.
• Secure Element Trusted Service Manager (SE TSM) - A Visa approved secure entity that holds root access to the secure element and manages the secure element’s lifecycle including creating security domains and sharing access keys with Visa Issuers.
• Visa Mobile Contactless Gateway - An extension of the Visa network that enables issuers to communicate over the air with the consumer’s mobile device to manage the lifecycle of Visa payment accounts.
• Visa Mobile Provisioning Solutions (VMPS) - Services to facilitate over-the-air provisioning and life cycle management of payment accounts into NFC enabled handsets.

In addition to the major platform components described above, the following elements are found on the phone:

• Secure Element (SE) - A Visa approved hardware and software secure container that hosts the Visa Mobile Payment Application or VMPA.
• Visa Mobile Payment Application (VMPA) - A Visa secure applet on the SE that enables mobile contactless payments and that can be personalized with an individual’s payment account information.
• Proximity Payment System Environment (PPSE) - An applet on the SE that is selected by the POS and presents any available VMPAs to the POS.
• Mobile Application Enabled for Visa (MAV) - A consumer experience user interface (“wallet”). A typical wallet enabled for Visa can contain the following core pieces:
  • Payment Library - Code enabling payments including selecting and presenting the secure VMPA to a POS.
  • Service Provider Trusted Service Agent (SP TSA) - A proxy applet managed by the wallet service provider that manages secure communications between the SE and the SP TSM to execute account provisioning and account management commands.
  • Visa Mobile Contactless Gateway Library - Code enabling secure communication between the VMPA and Visa’s Mobile Contactless Gateway, for management of VMPA and the lifecycle management of Visa payWave for Mobile accounts.
• Secure Element Trusted Service Agent (SE TSA) - a proxy applet managed by the SE owner that manages secure communication between the SE and the SE TSM to execute SE lifecycle management commands.