Choose the Documentation MX Merchant MX Connect

Digital wallets with Issuing

Let users add cards to Apple Pay, Google Pay, and Samsung Pay for seamless, tokenized payments.

Digital wallets allow cardholders to store payment credentials securely and make contactless, in-app, and online payments without using a physical card.

Passport-issued debit cards can be added to supported wallets, enabling:

  • Faster checkout experiences
  • Secure, tokenized transactions
  • Improved user engagement and activation

Wallet provisioning is supported via API-based integrations, ensuring that sensitive card data is never exposed during the process.

Supported Wallets

  • Apple Pay
  • Google Pay
  • Samsung Pay

Provisioning Methods

Cards can be added to digital wallets using two approaches:

MethodExperienceIntegration Effort
Manual ProvisioningCardholder enters card details in wallet appNo integration required
Push ProvisioningAdd card directly from your app (one-tap experience)Requires API + wallet integration

Push provisioning is recommended for a frictionless user experience and higher activation rates.


How Push Provisioning Works

The push provisioning flow enables secure, tokenized card addition directly from your application.

Push provisioning follows a standard, network-defined flow used across digital wallet providers (such as Apple Pay, Google Pay, and Samsung Pay).

The steps below represent the typical industry process for securely provisioning a card to a digital wallet.

  • Cardholder taps “Add to Wallet” in your app
  • Create card using card issuance API
  • Receive card identifier
  • Call provisioning API
  • Receive encrypted card payload
  • Forward payload to wallet provider (SDK/API)
  • Wallet requests token from card network
  • Network generates device-specific token
  • Wallet stores token → card is ready for use

Provision a Card

Use the POST /v1/customer/id/{id}/issuance/card/id/{id}/provision API to provision a card to a digital wallet.

Key Parameters:

FieldDescription
walletProviderTarget wallet (APPLE_PAY, GOOGLE_PAY, SAMSUNG_PAY)
cert1, cert2Apple Pay certificates (required for Apple Pay)
nonce, nonceSignatureApple-provided security parameters
walletAccountIdWallet account ID (Google / Samsung)
deviceIdDevice identifier from wallet provider

When a card is provisioned:

  • A device-specific network token is generated
  • The original card number is never exposed
  • Each wallet-device combination gets a unique token

This ensures:

  • Reduced fraud risk
  • Secure transactions across all channels

Operational Considerations

Card Replacement & Wallet Sync: When a card is replaced:

  • Wallets do not automatically update card details
  • Existing tokens may become invalid
  • Transactions may be declined

To restore functionality:

  • Re-provision the card using push provisioning, or
  • Manually re-add the card in the wallet