Mobile Wallets

Intro

Mobile Wallets are digital wallets held on mobile devices that transact with merchants by turning Native Card Primary Account Numbers (PANs) into digital tokens (e.g. for use with Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, etc.). Further, you can customize how the card subnet will be digitally represented on a mobile device.

There are two ways to connect a card subnet with a mobile wallet of choice:

Manually Provisioning a Card to a Mobile Wallet

As with most cards, end users can add cards to their preferred mobile wallet (e.g. directly from Apple Pay, Google Pay, or Samsung Pay) by providing their card details (e.g. PAN, expiration date, CVV, billing address, etc.) to the mobile wallet provider. However this process either requires end users to digitally scan their cards using OCR (Optical Character Recognition) or provide their card details via manual text input.

Instant Provisioning to Mobile Wallet

Subnet Cards can now also be added directly from your app to a user's mobile wallet with the click of a button through a process called "Instant Provisioning" (see Push to Wallet). This new feature allows users to quickly and efficiently integrate their cards with their Apple, Google, and/or Samsung digital wallets, with the added benefit of reducing both failed OCR error and manual text entry errors associated with standard manual card provisioning.

Mobile Wallet Fraud Protection

While protecting payment transactions in flight is a critical part of reducing card-related fraud, with mobile wallets, there is the ability to reduce fraud at the time of provisioning cards into mobile wallets like Apple Pay and Google Pay. To help Platforms reduce fraud during card provisioning with these services, we have extended the data fields that we are consuming during provisioning to trigger additional fraud checks at the time of provisioning.

Multi-Factor Authentication Support

Through the enablement of multi-factor authentication, Platforms can leverage a verified phone number/email.

CVV2 Throttling

In order to assist in the prevention of fraud from suspicious activity, cards will now be locked out of mobile wallet provisioning for 24 hours in certain cases in which the system flags an increased risk of fraud, including a certain level of bad CVV2 attempts in a period of time.

Card Art Specs

Mobile Wallet Art will be associated with virtual card profiles. Each profile will map to all of the tokens that use its card art. Therefore, to update the card art for multiple tokens that share a particular card profile, you simply need to update the card profile with new art. Conversely, to only update the card art for a single token, you would re-assign that token to a different card profile (i.e. either to another existing card profile or to a new one). When submitting a card art, please provide the following:

Short Description

A short description of the card (e.g. for lock screen notifications). This short description should include the word "Mastercard" and can be a maximum of 32 characters in length.

Card Artwork

Brand Mark Image

The SVG for the brand mark used on the card image. See here for available brand marks. It is recommended to use the Mastercard Symbol.

Platform Logo Image

SVG (recommended) or PNG image in RGB color format. The image dimensions can be up to 1372 x 283 pixels.

Card Background Image

SVG (recommended) or PNG image in RGB color format. The image dimensions must be 1536 x 969 pixels and have square corners.

Combined Art Work

Card background + platform logo + brand mark (Mastercard).

If Debit, cards must include the "debit" identifier. SVG (recommended) or PNG image in RGB color format. The image must be 1536 x 969 pixels and have square corners. Example: Synapse's combined card art (below).

App Icon

For push notifications related to the card. PNG or SVG image in RGB color format The image must be exactly 100 x 100 pixels. Example: Synapse's approved app icon (below).

Card Art Colors

Background Color (Hex)

This is used to overlay the background of the card art.

Foreground Color (Hex)

This is used for the masked card PAN digits that are overlaid on the bottom left of the card image.

Label Color (Hex)

This is used for the short description text rendered on the card image if the card image (Card Background Combined or Card Background) is not available for some unexpected reason.

Updating Card Art

You can currently submit your card information and mobile wallet assets during implementation to your Implementation Manager or later by creating a ticket.

Please allot up to 10 business days after the card art has been accepted by us for the new card profile to take effect.

When card art is updated, all the tokens associated with the profile are automatically liked to the new card art.

If you wish not to do that, please request a new profile with new art to avoid changing all tokens.