Customers – Q&A

What does tokenization mean?

How it works

  • The card’s primary account number (PAN) is replaced with an alternate card number called a token
  • The tokenized card details are delivered to the mobile device through a process called digitization


To put it simply it means digitizing or virtualizing your existing card into your phone just like Apple Pay, Samsung Pay, Google Pay, Fitbit Pay, Garmin Pay etc.

For this purpose all the user needs to do is to take a photo of their payment card from within the App or enter the card details manually. Our back end system will then automatically send the information to Visa/Mastercard who will tokenize / digitize it. The tokenization process happens in the background in a way that is invisible to the consumer. Now this new virtual card is ready to be synced to your watch. 

What happens after the payment card is digitized or tokenized?

Once the payment card is tokenized then it is ready to by sync’d with the passive battery less chip embedded in your watch strap thus allowing contactless payment through your watch. This syncing is done using a patented and certified provisioning clip called the Universal Passive Provisioning Unit (UPPU). The UPPU is clipped on the strap to transfer the token from the phone into the strap. Once the action is completed the user can remove the UPPU clip and start making payments with your watch

Learn more, please see Tappy’s TVC  

Can I use my Visa or Mastercard with digital contactless payment solutions?

To check whether your Visa Card / Mastercard is compatible, please see the following participating banks:

coming soon

How do I download Tappy Pay app?

coming soon

Software Update?

coming soon


Wearable Token Service Provider™