Mobile Solutions




The White label Wallet HCE (Host Card Emulated) offered by SIBS Romania allows the registration of any type of cards in a digital wallet and can be customized according to the vision of each bank.

The solution offers multiple functionalities: biometric authentication, registration and change of personal data and contact details, balance view, transaction history, show virtual bank account number for wire transfer (SEPA credit), top-up methods (credit card, SEPA direct debit etc.), show card details for online acquisitions (PAN, expiration date, CVV), KYC upgrade (upload ID documents to verify identity), customer support information as well as optional features.


VDCA (Visa Digital Commerce App) is a white label wallet by Visa, ideal for banks that want to offer their clients a modern, secure and fast payment system. The solution is available in several languages and benefits of maximum payment security, guaranteed by VISA.

SIBS Romania offers support for implementing the wallet solution VDCA.


Apple Pay and Google Pay are state-of-the-art private label wallet solutions, that allow iOS and Android to shop quickly and securely at the cash register, in apps or on websites.

SIBS Romania offers complete services for a quick implementation of Apple Pay and Google Pay wallets, allowing consumers to pay by mobile phone easily, quickly and safely, whether they are in a store, using public transportation or shopping online. The payment process is based on the Apex Mobile Services Platform, highly secured thanks to the Visa and Mastercard security technology, that replaces the confidential card payment data with a digital unique identifier and protects against fraud.

The services offered by SIBS Romania also include the deployment of the Apex Crypto, in order to handle the Google Pay and Apple Pay requirements for One Time Password, as well as the implementation of the Apex Green, as per Google Pay and Apple Pay provisioning fraud requirements.


SIBS Romania is a token requestor and a token services provider for partners.

The tokenization of VISA (VISA Token Services) and Mastercard (MDES for merchants) is a security technology that replaces cardholder information, such as account numbers and expiration dates, with a unique digital identifier (a “token”) that can be used for payment without exposing a cardholder’s more sensitive account information.

The tokenization hides consumer’s confidential account information during digital transactions, making digital payments more secure.




SIBS Romania offers complete services for implementing payment solutions based on QR, RFID and NFC technologies including consultancy, software application, acquisitions of tags, cards, NFC and card readers, solution management, personalization of cards and tags, as well as web hosting services for the applications.

The NFC (Near Field Communication) solution enables consumers to make payments at all NFC compatible checkouts and is based on a contactless card technology that allows payment cards to communicate with the NFC readers, via chip and antenna.

The QR (Quick Response) solution enables mobile payment via smartphone, by scanning a QR code.


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