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Antelop introduces SDK for digital card development



Banks and card issuing processors can now use a single software development kit to add all the very latest digital card features to their mobile banking app, making it possible for even the smallest bank to quickly and easily provide its clients with an instant, mobile-first experience that meets the needs of today’s increasingly digital consumer.

Digital cards and instant issuance are the new normal

Consumers today are looking for convenience beyond anything else. They are accustomed to digital and mobile experiences in their everyday lives and want convenient, seamless digital services.

In this digital-first world, the digital card is fast becoming an essential complement to the plastic card.

“Customers expect digital-first experiences. To meet their needs, banks now need to offer their customers an instant and mobile-first banking experience. This is the new normal and now a market standard.” says Antelop’s CEO Nicolas Bruley.

“Digital cards address this change in consumer behavior and enable instant card issuing on the consumer’s mobile device. This leaves the physical card as an option: digital cards can exist as a standalone offering or as a complement to an existing physical card.

“Banks can then offer their customers a wide range of new services based around digital cards. In addition, issuing fully digital cards cuts costs and reduces a bank’s carbon footprint as plastic is no longer required.”

Reducing complexity for banks and card issuers

Digital cards have been made possible by the new tokenization systems introduced by the card networks — Mastercard MDES, Visa VTS, Cartes Bancaires CB Digital Hub and so on. These have allowed banks to digitize their card portfolio, replacing sensitive card numbers with tokens dedicated to specific use cases for enhanced security.
The market is now increasingly moving away from old EMV physical cards towards purely digital cards.

With this move has come a significant increase in complexity. Banks are now faced with multiple tokenization systems (Visa, Mastercard, local schemes, the future European Payments Initiative, etc) and related innovations. In order to implement such innovations, issuers often rely on several card systems, with as many features as solutions.

This means that they can often struggle with a multiplicity of backend integrations, creating greater complexity, less agility and longer timelines for project implementation.

Furthermore, digital cards require close integration with mobile banking applications. Today it’s the banking application that brings the most value to the customer, demanding that all banking and financial activities need to happen in one application: card enrollment, payment, balance check, card management, authentication, etc. To offer digital cards that add real value to their clients, banks need a unified service directly integrated into their mobile applications.

Programs such as Mastercard’s recently launched Digital First enable banks to implement full digital card issuance with partners such as Antelop.

The One Digital Card solution by Antelop

The Antelop One Digital Card solution enables issuers to provide their customers with a unique digital-first experience.

All digital card features in one single solution

The Antelop One Digital Card SDK lets banks replace complex integrations with a single unified and simplified digital card integration that delivers a full range of digital card features through a mobile-only integration — with little or no backend development required.
Unified Customer Experience One Digital Card.png

Bring all the value added digital card features directly into your mobile banking application through one single mobile software development kit for Android and for iOS.

The solution guarantees a holistic customer journey within the banking app so that the user can activate a digital card, push it to both digital wallets and e-commerce merchants, self-manage their card and make payments with it.

With the Antelop One Digital Card, every bank can now go mobile-first!

All digital card use cases are included

The One Digital Card mobile solution by Antelop offers all the digital card features your customers expect:

Video KYC: Onboard customers with unique video-based ID verification. Enable users to open accounts 100% remotely.

Instant issuing: Provision your cards to your customers’ mobile banking in real-time.

NFC issuer wallet: Turn your mobile banking app into an NFC wallet. Maintain strategic links with customers through NFC mobile payments.

Push to x-pays and merchants: Enable customers to conveniently and securely push cards to Apple Pay, Google Pay, Samsung Pay, etc and to both “Click to Pay” and compatible ecommerce merchants — Amazon, Netflix, etc — from within their mobile banking app. Simplify digital card activation from banking apps for all use cases.

Token manager: Let the customer self-manage their digital cards. Provide a state-of-the-art self-care management tool while reducing human support.

Display card: Securely display card information in the application. Let customers pay on the internet without using a plastic card.

PIN in and out: Securely display the PIN code in the application and let customers choose the PIN for their card. No need to send or resend a PIN message/email, the PIN is immediately available in the app.

Strong customer authentication: Use the ‘chip-like’ security of payment solutions to provide both super-secure and convenient customer authentication (eg for 3DS Secure). Achieve compliance with the European PSD2 directive whilst retaining a convenient user experience.

Innovation ready: The One Digital Card solution allows for the integration of future innovations introduced by the card networks. It enables banks and card issuing processors to incorporate continuous innovation in their digital card services.

The One digital card SDK by Antelop

Simplified integration and maintenance

The Antelop One Digital Card offers one single integration for all features:

Multiple solutions and providers are no longer required: we include all the features you need in one single integration.

One Digital Card is built on services offered by card networks to ensure easy integration and maintenance.

The solution provides full embedded protection for all flows and assets, with integrated security.

The potential for mobile-only integration. Core digital card features can be integrated in a mobile application without any backend integration.

The Antelop One Digital Card mobile SDK relies on three integration principles:

Initialize the SDK embedded in the mobile application

Push card(s) in the SDK via the mobile application

Access all features directly from the app, potentially without any further backend integration (depending on the services used — PIN display and management require additional web services).

Flexible options

We offer three different options for your mobile-side integration: SDK, white label application or white label screens including source codes:

Option 1: SDK

Antelop provides a unified SDK for Android and iOS that supports all digital card features

Maximize the potential for customization by integrating services directly into your banking application.

Option 2: White label application

A standalone application that can be customized to match your look and feel

Potentially zero integration required

The white-label application source code can also be provided in order to accelerate custom developments.

Option 3: White label components

We can also provide pre-compiled features that can be embedded in any existing Android or iOS application, working on top of the SDK.

These components enable simplified integration and maintenance of the digital card features in the application


The only prerequisite for deploying the Antelop One Digital Card is for a bank or card issuing processor to already be compatible with tokenization.

Don’t already support tokenization? Our Issuer Token Service Provider (iTSP) hub provides a simple way to connect to Visa VTS, Mastercard MDES and more, so you can accelerate your project. Contact our team to find out more.

Go digital first with the Antelop One Digital Card

Antelop’s One Digital Card solution brings banks and issuing card processors all the digital card features you need through a mobile-only integration, enriching your value proposition for your customer.

For banks

With Antelop’s One Digital Card, you can quickly and easily offer all digital card use cases to your clients:

A unique digital card experience: Provide a fully digital and mobile-first card experience to your customers and offer the convenience of instant digital card services.

Leading innovations for banking apps: Offer the latest digital card features and innovations directly in your banking app.

Simplified integration: A single SDK integration to support all digital card use cases and the possibility of no backend integration at all.

Fast time to market: Mobile-only and no more backend complexity lead to a quick and simple project with Antelop.

A unified service: No need to assemble multiple heterogeneous components.

Complementary or standalone: Upgrade your existing bank app and card portfolio or build a new digital card program with an all-in-one solution for your customers.

Certified solution: Antelop is fully certified by the major payment schemes including Visa, Mastercard and Cartes Bancaires.

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Mastercard speeds up refunds for retailers with Mastercard Send



With so many customers now shopping online, a retailer’s success must include robust infrastructure (such as returns processing) to ensure speed of delivery and customer satisfaction.

According to Australia Post’s latest eCommerce report, beyond focusing on stock levels and making sure there’s enough of what customers want on the shelves, retailers are now looking to provide a clear and uncomplicated checkout and refunds process.

Refunds can be complex, but those eCommerce companies in Australia which excel in managing returns are keeping consumers informed and process refunds quickly, therefore gaining or maintaining a competitive advantage.

In light of this, Mastercard has announced an expansion to now allow faster, hassle-free, refunds to merchants who want to give their customers real time refunds using Mastercard Send.

Mastercard Send makes digital payments effortless for businesses and can integrate with services that millions already use, such as buy now, pay later. For businesses and governments, it can drive efficiencies and cost savings by helping get money to consumers faster. Mastercard is currently the only network that has enabled issuers to access this quick refunds solution.

This new solution removes operational costs related to customer queries on refund status and will help merchants and retailers showcase a more customer-centric mindset by helping customers process their refunds faster, effectively and eliminating friction, refund fraud and creating more efficiency around the process of buying / returning goods and services.

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EBA Clearing and Iberpay Introduce Interoperable Services to Handle Messages that Comply with SEPA Request to Pay Scheme



EBA Clearing and Iberpay revealed on Tuesday (June 15, 2021) that they have introduced two interoperable services to handle messages and offer functionalities that comply with the updated SEPA Request-to-Pay Scheme (SRTP) developed by the European Payments Council (EPC).

The introduction of these infrastructure services took place on Tuesday, which is actually the day of the entry of the new SEPA scheme.

EBA Clearing and Iberpay have made a considerable effort to provide this service to clients right from the launch of the scheme. They claim to be the first European infrastructure providers that are ready to provide this new feature.

Payment service providers or PSPs and other service providers complying with the updated SEPA scheme are now able to exchange SRTP messages end-to-end, within seconds and across Europe, because of the connection between real-time messaging systems of EBA Clearing and Iberpay.

This key milestone offers the missing piece to support various use-cases that may help clients who rely on instant payments.

The SEPA Request-to-Pay Scheme is the set of operating rules, messages and technical elements that lets a Payee request the initiation of a payment from a Payer prior to the exchange of the funds.

The implementation of the scheme was supported by the EPC after a call to action by the Euro Retail Payments Board (ERPB) in November 2018 to start using the request to pay capability.

Request to Pay isn’t actually a payment instrument. It’s a way to request a payment initiation (pull payment). Request to Pay services are offered 24 hours, 7 days a week. They aim to enhance the payment process by adding a message exchange, which occurs before the payment (SCT or SCT Inst) and includes:

  • A request to the Payer for a payment.
  • The acceptation or refusal of this request by the Payer.
  • The information delivered as part of this request to pay exchange, allows the Payer to identify the Payee and makes it easier for the Payee to identify and reconcile the following payment.

Request to Pay should further improve with ongoing developments and has been identified by the European Commission and the Eurosystem in their retail payments plans as having the potential to add value to the SEPA Instant Credit Transfer (SCT Inst) Scheme and to also improve the usability while supporting the adoption of instant and virtual payments.

Request to Pay may be used to support unpaid or returned direct debits, digital commerce payments, substitution of other payment instruments, public administration payments, payment of e-invoices and even at point of sale.

Juan Luis Encinas, MD at Iberpay, stated:

“Iberpay is strongly committed to playing a leading role in instant and digital payments and we believe that the launch of our Request to Pay service from the very beginning is a very important milestone for that. IBERPAY is extremely pleased to collaborate with EBA CLEARING with the aim to assure pan-European reachability for the SRTP Scheme and to better serve its users.”

Hays Littlejohn, CEO at EBA Clearing, remarked:

“We are pleased to see the Spanish community connected to our R2P Service from day one of the SRTP Scheme. IBERPAY is the first infrastructure provider extending R2P access to its user community. This supports our objective to build full pan-European reach for Request to Pay and ensure interoperability between the underlying infrastructures”.

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Traditional Versus Direct to Wallet Bitcoin Payment Gateways

Should you go the traditional route and go to a big company that accepts payments similar to PayPal?



For those interested in accepting Bitcoin payments, there is a question of what type of payment processor to choose.

Should you go the traditional route and go to a big company that accepts payments in a similar manner to PayPal?

Or should you look into a direct to wallet payment gateway? These questions are important to consider when choosing a payment processor for your store.

What is a Traditional Bitcoin Payment Gateway?

PayPal and Stripe have long dominated the fiat currency payment market, and Traditional Payment Gateways for Bitcoin operate just like them. They act as a middle man, controlling the payments and handling them entirely.

The merchant doesn’t see any Bitcoin until they withdraw the Bitcoin from the “wallet” on the payment processor’s website. There can be added fees on the withdrawal process, and there is a longer wait time to process that Bitcoin.

Any of the woes you’ve experienced with PayPal? You’re going to experience them here too. PayPal has even entered the Bitcoin market.

Are Traditional Payment Gateways worth it?

But with the negatives of the traditional system, there are some positives. The set-up process is often quick and easy, although there is a lot of time lost in the KYC process.

Getting your ID checked can be a pain, especially if you don’t have the proper form of ID. But these processors can be plug in and go, the payment system itself for customers often works acceptably.

The merchant just has to deal with the process of withdrawing Bitcoin.

These businesses are also often more established. That means they know how to help with your taxes, they know what tax documents you might need. But it also means they are prone to attacks and hacks.

They keep large quantities of Bitcoin in the same wallets, this makes it tempting to criminals. You have to depend on the company’s security.

What are Direct to Wallet Payment Gateways?

These offer the alternative to traditional payment gateways, that include companies like Blockonomics and BTCPayServer. They are often smaller, but that means they are a labor of love.

The people running these companies often care about Bitcoin as a technology and a currency rather than looking to get a quick buck. They succeed by listening to customer feedback and implementing it, just like any small business.

What does this mean?

This means several things:

  1. You Are In Control: Direct to Wallet means you are your own bank. You control your funds, you control where they go, and no one else touches them. When a sale occurs, the Bitcoin is sent directly to your wallet, no middleman involved.
  2. Transactions are Fast: Because it goes directly into your wallet, the start to end process is much quicker. You don’t worry about the Bitcoin going through multiple wallets, so you get that Bitcoin in your hands faster.
  3. It is Cheap: Traditional payment processors have a lot more touch points to serve you with fees. There’s the transaction and then the withdrawal. Hence, fees generally stack up when using them. Comparatively, Direct to Wallet has only one touch point, the transaction, and they often charge a low fee for that. Blockonomics, for example, charges 1% after the first 10 payments.

Direct to Wallet payment processors are becoming more and more popular. As Bitcoin continues to grow into the popular mindset, small businesses have to ask themselves who they want to facilitate their Bitcoin sales.

Small businesses need to stick together and support each other, whether it’s for Bitcoin payments or other services.

What should you use?

At the end of the day that still depends on you. There are plenty of reasons to go the traditional route, but just understand what you are getting yourself into. It might be worth it to take a look at the Direct to Wallet route to see if the benefits to your business outweigh the very few negatives.

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Latin American telecom company accepts crypto payments through BitPay

GoldConnect will be able to process crypto transactions made in Bitcoin, Ether and other digital assets through its new LatamConnect platform.



GoldConnect, a Latin American telecommunications wholesaler, announced Tuesday that it will allow customers to pay with cryptocurrencies through payment processor BitPay, marking another important milestone in the region’s embrace of Bitcoin (BTC).

Crypto payments can be made directly through LatamConnect, a platform that connects directly with BitPay. Crypto payments made through BitPay are settled in local fiat currency.

GoldConnect said its embrace of crypto payments reflects growing demand for such services across the 17 Latin American and Caribbean countries in which it operates.

“As a disruptive telecom provider in the LATAM region, we must continuously embrace the latest technologies and business methods to improve the interaction and experience of our clients,” said Jeremy Villalobos, chief operating officer of GoldConnect.

Shaun Worley, vice president of BitPay, added:

“GoldConnect realizes the potential for crypto to transform the wholesale telecommunication industry, making payments faster, more secure, and less expensive on a global scale.”

Latin America is becoming a hotbed for cryptocurrency activity. Recently, El Salvador became the first country in the world to recognize Bitcoin as legal tender, setting the stage for mass adoption in the region. Political representatives from several countries, including Brazil and Panama, have also expressed an interest in embracing Bitcoin.

Related: Adopting the Bitcoin standard? El Salvador writes itself into history books

As Cointelegraph reported, Bitso recently became Latin America’s first billion-dollar cryptocurrency exchange. It took Bitso six years to bring in 1 million users and another 10 months to register 2 million, highlighting the steep adoption curve during the 2020–2021 bull market.

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