Tokenization & In-App Provisioning

Vrtx supports Tokenization, enabling users to add Vrtx-issued Visa cards directly to digital wallets for secure, contactless payments across devices and physical point-of-sale channels. This technology drastically reduces fraud risk by replacing sensitive card details with a unique, device-specific digital token.

Vrtx also offers In-App Provisioning (Push Provisioning), allowing users to activate and add their cards to digital wallets with a single tap—without manual PAN entry. This delivers a seamless user experience, minimizes input errors, and enables immediate transaction readiness.

Together, these features provide a scalable, secure, and modern digital payments experience, enabling organizations to serve customers instantly while maintaining operational efficiency and trust.

💳 Tokenization

Enables cards to be added to digital wallets for secure contactless payments without exposing or sharing the actual card details.

👉 In-App (Push) Provisioning

Allows users to activate and add their card instantly with a single tap, without manual data entry.

🌏 Broad Support

Supports various mobile wallets in Saudi Arabia such as Apple Pay, mada Pay and Google Pay (coming soon!).

Supported Digital Wallets

Apple Pay

iOS

Integrate with the Apple Wallet extension to enable iOS users to instantly add their virtual or physical cards to Apple Pay for secure, contactless payments.

mada Pay

Android (KSA)

Fully supported for Android users in Saudi Arabia, enabling seamless local NFC transactions through the mada network for broad domestic acceptance.

Google Pay

Android

Utilize the Google Pay Push Provisioning API to instantly tokenize cards into Google Wallet on Android devices without manual entry.

Apple Pay: In-App Provisioning Deep Dive

Enable cardholders to add eligible payment cards directly from your iOS app into Apple Wallet using Apple Pay In-App Provisioning. This flow removes the need for manual card entry by securely passing encrypted card credentials to Apple’s tokenization service, where a device-specific payment token is generated for use on that Apple device.

Once provisioned, the card can be used for secure contactless payments in stores, in-app purchases, and online checkout across Apple Pay supported merchants. The primary account number is never stored on the device and is not exposed to merchants during transactions. Instead, Apple Pay relies on a tokenized Device Primary Account Number (DPAN) combined with biometric authentication such as Face ID or Touch ID to authorize each payment.

This implementation improves wallet activation, reduces onboarding friction, and delivers a native issuer-grade payment experience fully aligned with Apple Wallet standards.

Apple Wallet Provisioning Experience

The following graphic is an example of an Apple Pay push provisioning user interface (UI) experience: