Wallet Express Issuer Enablement in the Europe Region

Mastercard will auto-enable participating issuers and MDES-enabled account ranges currently enrolled for Secure Element- based digital wallets.

Executive overview

Consumers across the Europe region increasingly use digital wallets for both in-store and online payments. Building on the success of the previous Wallet Express program, Mastercard is now launching the second iteration of the Wallet Express Issuer Enablement Program for all issuers in the Europe region. This program aims to further simplify the process for issuers in enabling and supporting multiple digital wallets. Mastercard will enable a participating issuer for eligible Mastercard Digital Enablement Service (MDES) wallets launched in the respective countries without the need to raise wallet onboarding projects for the target wallets.

Effective date details

15 September 2023

Opt-in deadline for participating in the Wallet Express Issuer Enablement Program for all issuers in the Europe region.

31 October 2023

Enablement of account ranges on digital wallets as per opt-in email message from issuers.

15 November 2023

Allowlist block removal.

30 November 2023

Commercial launch possible as of that date.

What Mastercard is doing

Mastercard is implementing the Wallet Express Issuer Enablement Program for issuers in the Europe region, with the primary objective of enabling them to seamlessly support mobile and wearable payments. The program aims to provide issuers with a streamlined and efficient approach to facilitate a diverse range of digital wallets, offering consumers the flexibility to choose their preferred payment method. By participating in the program, issuers can enhance their capabilities to support various digital wallets, ultimately empowering consumers with full payment options.


Mastercard will enable participating issuers and MDES-enabled account ranges, currently enrolled for Secure
Element-based digital wallets, to any of the additional digital wallets included on the attachment associated
with this bulletin announcement.
Issuers that choose to participate in the enablement for one or more of these digital wallets must contact
[email protected] by 15 September 2023 and provide:

• Their customer ID (CID) or ICA number.
• The list of wallet IDs (WIDs).

A selective choice of wallet IDs on selective account ranges is possible. Mastercard will provide a list of eligible
account ranges to the issuer for final confirmation.
MDES Express provides for a common contractual framework for issuers and digital wallets to manage
tokenization and digitization. Issuers that have not already signed the MDES Express Agreement can
participate in the enablement program by signing the MDES Express Agreement before 15 September 2023.
Issuers should contact [email protected] to initiate the signature process.
Mastercard will enable the account ranges of opted-in issuers on the digital wallets by 31 October 2023 and will
remove the Allowlist block by 15 November 2023. Issuers should plan commercial launches not before 30
November 2023.
Issuers who do not want to participate in this enablement initiative can continue opening a Customer
Implementation Services (CIS) enablement project following Mastercard’s standard process.

Customer impact

Issuers should be aware of the following and assess any impact.

Issuers are advised to check with their processors to ensure that they are prepared to support the new Wallet IDs (WIDs) and Token Requestor IDs (TRIDs). Mastercard highly recommends that issuers ensure their systems are ready to accommodate multiple WIDs or TRIDs without relying on hard-coded values, as Mastercard anticipates future wallet expansions. Issuers must review and update their card issuing platforms and systems to facilitate seamless support for the new WIDs and TRIDs.

Mastercard will onboard issuers to the selected digital wallets without the need to request wallet onboarding projects for digital target wallets. New wallets will apply to the default product configuration per account range already defined in the existing “Digital Enablement Project” in MDES Manager. Issuers that would like to update the default product configuration can do so by following the instructions in the “Select Profiles and Other Settings” chapter in the MDES Manager Application User Guide.

Mastercard recommends that issuers provide a default wallet agnostic Terms and Conditions (T&Cs) document for all new wallets to reduce friction in supporting new wallets and to ensure that the issuer does not include the wallet name in the name of the website link of the T&Cs or Data and Privacy Policy. However, issuers could provide wallet-specific T&Cs or modify existing T&Cs or website link names by utilizing MDES Manager after the wallet enablement date on October 31. 2023.

Issuers must ensure that their chosen cardholder identification and verification (ID+V) methods work across all their supported wallets, such as short message service (SMS), one-time passcode (OTP), issuer website URL, in-app verification, or call center. Issuers should ensure that their call centers are prepared to handle any inquiries about the new wallets supported by the issuer.

Mastercard advises issuers that the availability of near-field communication (NFC) payment enabled devices will vary per wallet provider and country. Issuers can contact [email protected] for more information.

Testing recommendations

Issuers may conduct testing in the production environment as of the enablement date starting 31 October 2023.

Issuers can unlock or allow single card numbers listed for production tests utilizing the MDES Manager Application on Mastercard Connect™. A detailed description about how to do that can be found in the “Manage Allowlist” chapter of the MDES Manager Application User Guide.

Issuers that would like to conduct testing utilizing the Mastercard Test Facility (MTF) must open a CIS enablement project per Mastercard’s standard process, after which all project stakeholders will agree to a specific commercial launch date.


For marketing and communication toolkits, issuers should contact:
Email: [email protected]

Passive wearable wallets

Mastercard advises issuers that choose to participate in passive wearable wallets of the following:

• Passive wearables work like physical contactless cards, unlike active mobile or wearable solutions that leverage the consumer device cardholder verification method (CDCVM). As such, with passive wearables, low-value transactions (under the CVM limit) work without a personal identification number (PIN), while high-value transactions rely on online PIN.
• In markets that support online PIN, issuers should ensure support for single tap and PIN request functionality to easily allow resetting of the strong customer authentication (SCA) counter . For more details, refer to AN 2051 Revised Standards – Contactless Single-Tap PIN Request for Exemption Under PSD2 RTS Article 11 and AN 5205 Single Tap and PIN Request Service Enhancements in the Europe Region.
• In markets that do not support online PIN, issuers should consider one the following options to reset the SCA counter through:
– The issuer mobile banking app.
– The companion app of the wallet provider (requires configuration by each wallet provider).
– Requesting the cardholder to insert the card in the terminal after the transaction declined with Response Code 65.
• When an issuer issues digital cards, the issuer should ensure that the system provides the online PIN at the time of token provisioning onto the passive wearable and not when the vendor ships the plastic card.
• Some passive wearable devices may have restrictions on NFC provisioning using a mobile phone.

Related information

Information relevant to this bulletin announcement can be found in these documents available on Mastercard Connect.
Refer to these previously published announcements for more information:

AN 7169 Wallet Express Issuer Enablement in the Europe Region

© 2023 Mastercard. Proprietary. All rights reserved.
AN 7169 Wallet Express Issuer Enablement in the Europe Region • 18 July 2023


Customers with questions about the information in this announcement should contact
[email protected].

© 2023 Mastercard. Proprietary. All rights reserved.
18 July 2023 • AN 7169 Wallet Express Issuer Enablement in the Europe Region


The new Wallet Express Issuer Enablement Program will benefit customers and customers:

• No cost wallet onboarding for issuer
• Customer mobile provisioning with IOS and Android
• Beside the beauty and quality of the wearables the main target is 𝗖𝘂𝘀𝘁𝗼𝗺𝗲𝗿 𝗖𝗮𝗿𝗲 𝟮𝟰/𝟳
• In APP service and support technology (1st and 2nd level system)
• PCI DSS & PCI CPP compliant
• Mastercard mobile integration with lots of advantages
• Unlimited reset and re-tokenization options to keep wearables in-use, even if the user changes
• Full portfolio TRID enablement
• An alternative to mobile wallets
• Increased market position
• Branding wearables starting from 50 pcs!
• 𝗦𝗵𝗶𝗽𝗽𝗶𝗻𝗴 𝗮𝗻𝗱 𝘀𝗲𝗿𝘃𝗶𝗰𝗲 𝗼𝗳 𝘄𝗲𝗮𝗿𝗮𝗯𝗹𝗲𝘀 𝗳𝗿𝗼𝗺 𝗘𝘂𝗿𝗼𝗽𝗲 – 𝗔𝘀 𝘁𝗼𝗸𝗲𝗻 / 𝘄𝗲𝗮𝗿𝗮𝗯𝗹𝗲 𝗺𝘂𝘀𝘁 𝘄𝗼𝗿𝗸 𝗳𝗼𝗿 𝗺𝗮𝗻𝘆 𝘆𝗲𝗮𝗿𝘀!

  • Offering more digital payment choices to their cardholders.
  • Quickening time to market to participate in the growing digital wallet ecosystem.
  • Eliminating the need for bilateral contracts between issuer and digital wallet providers.
  • Reducing the time and costs to support new digital wallets and no implementation fees from Mastercard.

LAKS PAY is the perfect choice for your customer base.

LAKS PAY is a joint venture with wearonize. We are the only company in the passive wearable market that has full control over the entire user experience. Our joint venture controls an unmatched product, including an exhaustive service from hardware design and manufacturing, to software, tokenization processes, shipping, and support.


How can providing customers with wearables be as simple as providing them with payment cards?
Simple, choose us.

To simplify the digital wallet onboarding Mastercard is launching the Wallet Express Issuer Enablement Program for all banks in the Europe region. This eliminates the need to raise extra onboarding projects, which allows you to profit from this unique opportunity to keep your effort in enabling and supporting multiple digital wallets to an absolute minimum.

Maximize resources, minimize hassles

Ditch the struggles of managing products: Our platform handles warehousing, product personalization, and shipping to your customers on your behalf.

Long-term, stable relationship with producers


Many years of expertise in product design and quality management 

24/7 customer support via web, mail and phone with WhatsApp and Snapchat

Capitalize on a 360-experience with a full-blown state-of-the-art payment app:

Including tokenization, wearable management and financial analytics. LAKS PAY not only offers the largest range of wearables, but also:

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Banks onboarded
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Customers reached
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Countries covered
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Payment wearables
Years of experience

This gives you as an issuer the following advantages over your competitors:

  • Free unrestricted re-tokenization, even after the chip’s certification has expired
  • Several cards can be used simultaneously on one chip
  • Tokenization encompasses both debit and credit cards
  • The wearonize wallet app enables flexible and instant activation on Android and iOS
  • Unlimited reset and re-tokenization options to keep wearables in-use, even if the user changes
  • Benefit of adding extra functions to wearables, such as access control (cars, buildings, computers, charging stations, FIDO, etc.)
  • The chip can manage eMoney and Cryptocurrencies
Wallet ID (WID)


Token Requestor ID (TRID)


Active / Passive



Mastercard Credit

Mastercard Debit



Mobile Payment Application (MPA)


© 2023 Mastercard. Proprietary. All rights reserved. AN 7169 Wallet Express Issuer Enablement in the Europe Region.