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Provisioning is the process of creating a payment token and securely linking it to a card. Once provisioning is complete, the token can be used for payments through the digital wallet. Provisioning can be initiated in two main ways:
  • Push provisioning starts from the customer’s application or digital channel.
  • Manual provisioning starts from the wallet application.
Push provisioning, also known as in-app provisioning, is initiated from your application. In this flow, a cardholder selects a card in the customer’s application and chooses to add it to a digital wallet.
1

First Step

The cardholder opens your application and selects the card they want to add to a digital wallet.
2

Second Step

Your system sends a request to the Enfuce Wallet API to retrieve wallet provisioning data.
3

Third Step

Enfuce generates and returns the provisioning data that the wallet provider requires.
4

Fourth Step

You transmit the provisioning data to the wallet provider using the wallet provider’s Software Development Kit (SDK).
5

Fifth Step

The wallet provider forwards the request to the Scheme’s tokenisation service, such as Mastercard Digital Enablement Service (MDES) or Visa Token Service (VTS).
6

Sixth Step

Depending on Scheme requirements, the wallet provider requirements, and your authentication implementation, the cardholder may need to complete additional authentication before the token is activated.
7

Seventh Step

The Scheme creates a payment token and links it to the underlying card.
8

Eighth Step

The wallet provider provisions the token to the device, allowing the cardholder to make payments using the digital wallet.
Manual provisioning initiates from a specific wallet application, rather than your application. In this flow, the cardholder adds the card directly in the wallet application — enters the card details manually or scans the physical card.
1

First Step

The cardholder opens the digital wallet application.
2

Second Step

The cardholder enters the card details manually or scans the physical card.
3

Third Step

The wallet provider sends a provisioning request to the Scheme’s tokenisation service, such as MDES or VTS.
4

Fourth Step

The Scheme exchanges the information required for token provisioning with Enfuce, including card and token-related validation data.
5

Fifth Step

Depending on the Scheme requirements, the wallet provider requirements, and your authentication implementation, the cardholder may need to complete additional authentication before the token is activated.
6

Sixth Step

Once all requirements are met, the Scheme creates a payment token and links it to the underlying card.
7

Seventh Step

The wallet provider provisions the token to the device, allowing the cardholder to make payments using the digital wallet.