In2Pay’s technology provides a simple and effective alternative for installing NFC contactless transaction functionality on the millions of mobile phones now in use. Designed to be compatible with existing merchant, mass-transit and bank infrastructure, In2Pay makes mobile contactless transactions faster, easier and more secure with one-click access to payments and other personal access control features. Issuers and carriers can deploy In2Pay as an integrated services platform, with the option of additional memory, enabling them to deliver their entire portfolio of mobile applications through their customers’ mobile phones.

In2Pay uses an industry standard dual-interface contactless smart card chip that supports contactless payment networks with available options for transit, identification and access control applications. In2Pay is pre-loaded with certified payment applications in secure memory, and is designed to simplify market deployment by enabling issuers or wireless carriers to provision the user account using personalization bureaus. As a result, when customers receive In2Pay from the issuer, they can immediately insert it into their phones and are ready to make contactless transactions.