DPay Provisioning

The following are high level flows for the tokenization methods:

In App Provisioning - Direct

Where you have the direct relationship with the Wallet Provider (the Cardholder application can be hosted by you or by a third party supplier), the following is applicable:

Push Provisioning with Opaque Payment Card Info (non-PCI)

CLOWD9 will generate an encyprted payload which is to be returned to the Cardholder App requesting the Token Provisioning. Only the authorised Wallet Provider will be able to decrypt the Payload:

In App Provisioning - Third Party

The following is applicable where you integrate with a third party SDK to manage the relationship with the Wallet Provider's:

Via the Device Wallet

Your Cardholder will commence the tokenization request manually via the device wallet. The Wallet Provider will request tokenization via the Network.