Introduction
Wibmo is a leading technology and service provider for the financial services industry. While the company is best known for its hosted risk-based authentication and payment security services, it provides solutions ranging from mobile payments, fraud and risk management, prepaid solutions and a host of merchant services.
Our Developer Platform
This documentation will guide you through integrating with Wibmo's suite of financial technology solutions. Whether you're building payment systems, implementing tokenization, managing fraud risk, or creating digital wallets, our APIs and SDKs provide the building blocks you need.
What You'll Find in This Guide
This section introduces our core product offerings. Each section provides an overview of the product's functionality, key features, and links to detailed implementation guides. Select the solution that matches your integration needs to get started.
Token Hub
Token Hub is our unified tokenization solution that securely stores payment card data while allowing seamless payment experiences through tokenization, supporting both card network and issuer-specific tokens.
Key Integration Benefits
- Single API Integration: Access tokens from multiple card networks and issuers through one consistent API
- Enhanced Security: Meet PCI-DSS and EMVCo standards while reducing fraud exposure
- Real-time Monitoring: Track token usage across channels with detailed analytics
- Simplified Token Management: Automatically handle token lifecycle events including renewal, updates, and deletions
Common Use Cases
- E-commerce merchants storing payment methods for repeat customers
- Subscription services requiring secure recurring billing
- Mobile wallets and payment apps needing tokenized card management
- Financial institutions securing customer payment data
Payment Gateway (Authentication Service)
Our Payment Gateway provides a secure 3D Secure authentication service that helps merchants and card issuers verify cardholder identity during online transactions, reducing fraud while maintaining a smooth checkout experience.
Key Integration Benefits
- Seamless 3DS Authentication: Support for both 3DS 1.0 and 2.0 protocols
- Frictionless Flow: Risk-based authentication minimizes customer interruptions
- Enhanced Security: Layered approach to transaction security with dynamic authentication
- Liability Shift: Protection against chargebacks on authenticated transactions
Common Use Cases
- E-commerce platforms seeking to reduce fraud and chargebacks
- Mobile applications requiring secure in-app payment processing
- Subscription services needing recurring payment authentication
- Cross-border merchants handling international transactions
Get Started with Payment Gateway →
Prepaid Platform
Our API-first Prepaid Platform enables banks and non-banks to issue and manage prepaid payment solutions through a comprehensive set of APIs that handle the entire card lifecycle.
Key Integration Benefits
- Complete Card Management: APIs for issuance, activation, balance updates, and more
- Scalable Architecture: Modern tech stack supporting high-volume operations
- Flexible Integration: Multiple integration options to match your technical environment
- Regulatory Compliance: Built-in features to meet compliance requirements
Common Use Cases
- Financial institutions launching prepaid card programs
- Employers implementing payroll card solutions
- Loyalty and rewards program operators
- Fintech companies creating specialized payment products
Get Started with Prepaid Platform →
Fraud Risk Management (FRM)
Our Fraud Risk Management solution provides real-time fraud detection across multiple channels using a hybrid approach of rules, analytics, and machine learning to identify and prevent fraudulent transactions.
Key Integration Benefits
- Real-time Analysis: Millisecond response times for transaction risk assessment
- Multi-channel Protection: Coverage for web, mobile, ATM, POS, and more
- Adaptive Technology: Self-learning models that improve over time
- Comprehensive API Suite: APIs for validation, processing, and status updates
Common Use Cases
- Financial institutions protecting against account takeover
- Payment processors screening transactions in real-time
- E-commerce platforms reducing payment fraud
- Mobile banking apps securing user activities
Digital Financial Services (DFS)/Wallet
Our Digital Financial Services solution provides a white-labeled digital wallet platform that enables financial institutions and businesses to offer secure, feature-rich payment wallets to their customers.
Key Integration Benefits
- Customizable Experience: White-label solution adaptable to your brand
- Multiple Payment Options: Support for cards, bank accounts, UPI, and more
- Automated Compliance: Built-in KYC/AML capabilities
- Scalable Architecture: Cloud-native design for reliability and performance
Common Use Cases
- Banks extending digital payment capabilities
- Merchants creating branded payment wallets
- Fintech companies launching payment applications
- Service providers building closed-loop payment systems
Updated 16 days ago