Nahaufnahme einer Person, die vor einem Laptop sitzt, eine gelbe Kreditkarte in der einen und ein Smartphone in der anderen Hand hält – symbolisch für Online-Zahlung oder Mobile Banking.

Integrating the digital euro into wallets, point-of-sale systems, and loyalty programs

We are developing market-ready use cases for the digital euro. We integrate wallets, POS systems, and loyalty programs into seamless payment journeys - creating solutions that fit seamlessly into existing banking, PSP, and merchant ecosystems.

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How to get the most out of the Digital Euro

The digital euro opens up new opportunities for European banks, payment service providers (PSPs), and merchants when concrete use cases are developed that integrate seamlessly with payment, point-of-sale (POS), loyalty, and customer processes. This leads to market-ready solutions with a European perspective.

What makes the implementation of the digital euro challenging

Integration of systems and payment logic

Integration of banking, PSP, merchant, wallet, backend, and authentication systems - for new, interoperable payment flows

The integrated journey of Wallet, POS & Loyalty

Integration of payment, loyalty, digital receipts, wallets, and merchant processes - for new, user-centric payment flows

Reliable functionality under real-time and offline conditions

High availability, real-time capability, data protection, offline scenarios, and Europe-wide scalability

Our services for a market-ready Digital Euro

Bank integrations with wallet and real-time logic

We integrate digital euro wallets into your banking apps and systems and design technically sound, user-centric payment flows

We make retailer and POS scenarios interoperable

Our team is bringing the digital euro to point-of-sale, checkout, and merchant environments, taking into account QR, NFC, and wallet-based payment processes

We bring loyalty programs and digital receipts into your payment journey

We are expanding our payment flows to include loyalty programs, digital receipts, and customer engagement modules

Specific use cases for wallets, POS, and loyalty programs

With our support, you can develop scenarios that integrate the Digital Euro into your payment and merchant processes.

Digital Euro at the point of sale via NFC or QR code

We are developing payment scenarios in which the digital euro can be used directly at the point of sale via NFC or QR code-based processes

Integrate loyalty and rewards directly into the payment process

Let us integrate your payment processes with rewards, coupons, and value-added services

Integrating digital receipts into the wallet journey

We design digital receipts to integrate seamlessly into your wallet and merchant processes and provide additional guidance

Prepare production-oriented test scenarios

We develop and test real-time, offline, and high-load scenarios. This ensures that the digital euro remains viable even in demanding retail environments

Here's how we'll integrate the Digital Euro into your systems

The Digital Euro will become market-ready when technical integration, the customer journey, and business focus are considered as a unified whole. We are your partner for wallet, POS, and loyalty solutions, following this approach:

Assessment of the current situation and potential

We analyze your banking, merchant, and payment ecosystems and use that analysis to develop use cases that unlock new revenue opportunities

Development of architecture and user journeys

The next step is to design scalable wallet, POS, and loyalty architectures to ensure a consistent user experience across multiple systems

Integration into platforms and processes

We will then integrate the Digital Euro into your banking, PSP, and merchant platforms, always taking into account authentication, data protection, and real-time capabilities

Testing, pilot, scaling

We evaluate complex scenarios, support pilot projects, and develop solutions tailored to various market requirements

How banks benefit from this

The Digital Euro gives banks the opportunity to tightly integrate European payment services into their own customer relationships—with seamless technical connectivity and a compelling user experience.

Early positioning within the digital euro ecosystem
Modern, private-label wallet and payment experiences
Integration of loyalty and value-added services directly into payment processes

How PSPs and acquirers benefit from this

The digital euro opens up new opportunities for payment service providers (PSPs) and acquirers to develop European payment solutions within existing merchant and checkout ecosystems. By integrating POS, wallets, loyalty programs, and digital receipts, companies can strategically expand their payment portfolios and bring new use cases to market more quickly.