5 April 2023
Opt-in deadline for participating in the Wallet Express Issuer Enablement Program for all issuers in the Europe region.
Free Auto-Enablement for Mastercard issuers
Mastercard will auto-enable participating issuers and MDES-enabled account ranges currently enrolled for Secure Element- based digital wallets.
Consumers across the Europe region are increasingly using digital wallets for both in-store and online payments. Mastercard is launching the Wallet Express Issuer Enablement Program for all issuers in the Europe region. This program will aim to ease the issuers’ efforts 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.
Contact your Mastercard account manager to find out how you can benefit from the free enablement and make the innovative LAKS PAY service available to your customers.
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Effective date details
2 May 2023
Auto-enablement of account ranges on digital wallets as per opt-in email message from issuers.
30 May 2023
Allowlist block removal for commercially launching additional digital wallets.
Customer benefit
The new Wallet Express Issuer Enablement Program will benefit issuers by:
- 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.
What Mastercard is doing
Mastercard will implement the Wallet Express Issuer Enablement Program for issuers in the Europe region, with the primary objective of enabling issuers to support mobile and wearable payments seamlessly and provide consumers with a full choice about how they are able to pay.
Auto-enablement
Mastercard will auto-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 auto-enablement for one or more of these digital wallets must contact Mastercard by 5 April 2023 and provide:
- Their customer ID (CID) or ICA number
- The list of wallet IDs (WIDs) (for auto-enabled digital wallets)
A selective choice of wallet IDs on selective account ranges is possible. Mastercard will provide a list of eligible account ranges back 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 auto-enablement program by signing the MDES Express Agreement before 5 April 2023. Issuers should contact Mastercard to initiate the signature process.
Mastercard will enable the account ranges of opted-in issuers on the digital wallets starting 2 May 2023 and will remove the Allowlist block starting 30 May 2023. Issuers that do not want to participate in this autoenablement initiative must open a Customer Implementation Services (CIS) enablement project per Mastercard’s standard process.
Customer impact
Issuers should be aware of the following and assess any impact.
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 starting 2 May 2023.
Issuers will need to ready their systems to support the new WIDs and token requestor IDs (TRIDs). Mastercard highly recommends that issuers ensure they update their card issuing platforms and systems to easily support multiple WID or TRID combinations, without hard-coded values to ensure flexibility to enable additional wallets in the future.
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), 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 Mastercard for more information.
Issuers should review their fraud screening logic for authorization and training needs for Global Customer Service to handle wallet-specific queries.
Testing recommendations
Issuers may conduct testing in the production environment as of the auto-enablement date starting 2 May 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.
Note: MTF testing is not part of the new Wallet Express Issuer Enablement Program.
Marketing
For marketing and communication toolkits, issuers should contact Mastercard.
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.
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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
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Long-term, stable relationship with producers
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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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Mio
Customers reached
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Countries covered
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Payment wearables
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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
Digital Activity Customer (DAC)
Wallet ID (WID)
633
Token Requestor ID (TRID)
50129767421
Active / Passive
Passive
Products
Mastercard Credit
Mastercard Debit
Maestro
Mobile Payment Application (MPA)
Wearonize
Consumer Brand
LAKS PAY www.LAKSPAY.com
Swatch https://www.swatch.com/en-gb/swatch-pay.html
wearonize www.wearonize.com/wearables_for_banks
© 2023 Mastercard. Proprietary. All rights reserved. AN 7169 Wallet Express Issuer Enablement in the Europe Region • 10 January 2023