• Strong Authentication System
  • mWallet management interfaces with any method of payment (debit card, credit card, cash, bank accounts, etc. ..)
  • Maximum universality: highly scalable architecture, interoperable, portable and integrated


The module IDPay Wallet is based on the security suite SSC ™ (Safe, Signed, Crypted-Patent Pending), designed and realized in order to ensure a rapid and safe level of communication between an application installed on the device “mobile” (typically a smartphone) and the technical infrastructure.

The use of web services for the exchange of information between front-end and back-end is based on the standard established “WS-Security”, defined by OASIS (Organization for the Advancement of Structured Information Standards, www.oasis-open. org). The security principles are validated and tested at the Department of Innovative Technologies, University of Lugano (SUPSI).

IDPay Wallet adopts the security SDLC (Software Development Life Cycle), ranging from requirements definition to patch management and related code revision.

Programming is performed according to industry standards and the major guidelines such as OWASP, SANS Top 25 CVE.

Payment cards and their relevant information, is compliant with the PCI-SSC (Payment Card Industry Security Standards Council).

IDPay Wallet

The branchless module to keep your wallet safe

 IDPay Wallet is a branchless banking service based on an “electronic wallet”.

The operations handled are:

  • Top up
  • Micro payments (eg: bills, utilities, etc. ..)
  • P2P
  • eCommerce
  • Collection/cash-out
  • Closing account

IDPay Wallet can be managed by a bank, a payment service provider or an authorized agent; it is completely web-based and, as such, is also mobile-ready.

Key Features

Using a PIN/pwd that grants access to the Wallet in total safety, IDPay Wallet operates on a virtual account.

  • Transactions List
  • Balance
  • Recurring Payments
  • Payee Details
  • Daily, monthly, yearly spending limit
  • Immediate service activation/deactivation of the account (on-demand security)
  • Payments Reconciliation
  • Transactions and processes monitoring and tracking
  • Notification System
  • Fraud management
  • Anti-money laundering
  • Exportable and customizable Reports
  • CRM/Marketing
  • Treasury
  • Couponing
  •  VAS
  •  Customer data bank

Main Web Services

  • Third party Gateways
  • Bank back office applications
    • Authentication System
    • Account
    • Credit Card
    • Merchant Front and Back Office Systems
  • Alerting System

Main Modules

  • Agents directory management
  • P2P/B2C User profiles manager
  • User Enrollment
  • Payments transactions listing and Management


  • IDPay Mobile
    The AliasLab solution operates as a front-end or Bank payment service provider for any kind of mPayment operations.
  • IDPay Wallet
    The branchless banking unit based on an electronic wallet allows both the exchange of money (electronic) between users (P2P) and the purchase of goods and services at merchants (B2C).