Carta Makes it Simple

Quickly and easily enable existing cardholder accounts or issue new financial products for proximity payments with Carta’s award-winning Host Card Emulation (HCE) solution. Carta makes it simple – end-to-end issuance, processing and enablement for digital accounts, including tokenization, digital credential management and provisioning.

What is HCE?

Host Card Emulation (HCE) is a software-based solution that allows an NFC enabled device to emulate a card to make secure, contactless transactions without the need to access a hardware Secure Element (SE).

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Card credentials – including credit, debit, prepaid and loyalty – can be easily provisioned to the mobile phone without the dependency on a hardware SE.

Encrypted and tokenized data is safely stored and protected by sophisticated layers of security, all seamlessly integrated into your existing systems and mobile wallet environment.

  • Simple, open, secure
  • Simplified and rapid deployment
  • End-to-end HCE NFC payment solution
  • Use with existing contactless POS
  • Integrated into your wallet
  • Enhanced engagement

Who Can Benefit?

Any credential issuer interested in creating an efficient, secure and effective approach to mobile transaction management will find value in Carta’s Remote Secure Element solution.

Financial Institutions

Adapt to the evolving transactions market by creating value and satisfying user experiences for your NFC capable customers. Leverage your existing legacy system and meet consumer demand by offering Carta’s secure, easy to use, and cost effective solution.

Mobile Wallet Operators

Take advantage of Carta’s End to End system to deliver flexible and open solutions that enable innovative opportunities to enhance your mobile wallet strategy.


Introduce new and engaging products. Carta has a platform that is scalable, adaptive and flexible to power and customize unique mobile products for NFC, m/e-commerce and loyalty.

The four components of our cloud-based solution:

Account Management System (AMS):

The Account Management
System (AMS) is responsible for
end-user registration, funding card registration, end-user account management and for orchestrating the generation of tokenized card credentials.

Credentials Provisioning and Management (CPM):

The Credentials Provisioning
and Management (CPM) system is
responsible for provisioning and
managing token card and session
key credentials to enrolled mobile
payment applications throughout
the full lifecycle of the service.

Token Management Service (TMS):

The Token Management Service (TMS) is responsible for creating tokenized card credentials, operating the Token Vault, and processing tokenized card transactions. It offers cryptogram validation, fraud management and de-tokenization, which includes handing off the de-tokenized financial transaction to the Issuer for account-level validation.

Mobile Payment Application (MPA) :

The Mobile Payment Application (MPA) provides the mobile user-interface to the end-user to support the use of the TPA-enabled service. The TPA includes an SDK which makes it easy for customers to create a full-featured and branded MPA for their end-users.

Some of our HCE Clients and Partners
Deployment Options

Carta offers tailored solutions that allow you to balance control, integration and speed-to-market with the flexibility to evolve over time.


End-to-end hosted solutions provide secure credential management & tokenization service with rapid time-to-market while minimizing impact to existing issuer systems.
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Carta’s industry-leading digital issuance and cloud-based credential management software can be directly integrated as a configurable, fully on-premises solution.
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Pilot Host Card Emulation

We make it simple. Because Carta is a third-party processor with an end-to-end payment platform, we can get you into a HCE pilot incredibly quickly, at a fraction of the cost of on-mobile payment deployments.

We take care of the details:

• Payment Processing

• Secure Tokens

• Administration Portal

• White Label App

• Cloud-Based Secure Element

• Existing-Infrastructure-Friendly

• Multiple-Cards-Capable

• Contactless-Terminal-Friendly