Virtual cards and tokenization

The hybrid platform successfully launched its own branded card program, enabling secure, compliant fiat transactions across 30+ countries. Users now enjoy seamless payments, while the platform retains full control over the flow - positioning itself as a full-stack crypto-fiat financial service provider.

TokenizationPaymentsCardsmobile-payVisaMastercard

Development Duration

6 Months

  • Business Analyst
  • PM
  • Architect
  • Back Developer
  • QA

Technology Stack

Spring
Java
PostgreSQL
Apple Pay
Sumsung Pay
Google Pay

Task

  • Connection to international payment systems: Integration with Visa, MasterCard and other systems to expand the range of payment services.
  • Implementation of tokenization: Integration with Apple Pay, Samsung Pay and Google Pay systems.
  • Compliance with international security standards: Ensuring compliance with PCI DSS requirements to protect card data and payments.

What was done

  • Implementation of tokenized virtual cards: A system for issuing virtual cards linked to user wallets was developed, enabling secure payments through Apple Pay, Google Pay, and Samsung Pay.
  • Integration with Visa and Mastercard payment gateways: Full support for card issuing, processing and acquiring was implemented, including dynamic 3D Secure protection and anti-fraud tools.
  • PCI DSS compliance: All required technical and organizational measures were introduced to meet PCI DSS standards - including regular audits, updates and security controls.
  • Real-time transaction monitoring: Dashboards and built-in risk analysis tools were developed to detect anomalies, block suspicious operations and ensure regulatory compliance.
  • Secure container-based architecture: Infrastructure was deployed in line with PCI DSS guidelines, supporting scalability and readiness for future audits.

How it works

  • For users: Each verified user can issue a virtual card directly within the app, link it to their crypto/fiat balance and pay securely online or in stores via mobile wallets. Transactions are instant and tokenized for security.
  • For the platform: Admins monitor all transactions in real time, manage user accounts, receive fraud alerts and generate compliance reports. The platform has full control over card issuing, limits and usage metrics.