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.

Token Hub

Token Hub is a unified tokenization solution that secures card-on-file data and enables secure token processing through a single API integration. It supports both card network tokens (Visa, Mastercard, NPCI, American Express) and issuer-specific tokens. The key features include:

• Secure Token Generation: Creates tokens based on EMVCo standards with AES 256 encryption
• Token Lifecycle Management: Complete control over token creation, storage, retrieval, and deletion
• High Performance: Handles up to 500 transactions per second
• Unified API: Single integration for multiple card networks and issuers
• Real-time Monitoring: Includes observability features for detecting anomalies

For more information, refer to TokenHub.

Payment Gateway (Authentication Service)

Wibmo's Payment Gateway with 3D Secure Authentication is a security protocol that prevents fraud in online card transactions by verifying cardholder identity during the payment process. The key features include:

• Three-Domain Security: Connects card issuers, merchants, and the 3DS infrastructure
• Enhanced Verification: Requires additional authentication (OTP, biometrics) for transactions
• Global Compliance: Widely adopted in regions including EU, Australia, India, Brazil, and Singapore
• Seamless Integration: Works with major card networks including Visa and Mastercard

For more information, refer to Payment Gateway.

Prepaid Platform

Wibmo's Prepaid service is an API-first platform enabling the issuance and management of prepaid payment solutions for both banks and non-banks. The key features include:

• Complete Card Lifecycle Management: From issuance to deactivation
• Transaction Processing: Handles all prepaid card transactions
• Profile and PIN Management: Secure user profile handling
• Beneficiary Management: For transfers and payments
• Flexible API Integration: Modern API stack for easy system integration

For more information, refer to Prepaid.

Fraud Risk Management (FRM)

Trident, Wibmo's Fraud Risk Management service, is a real-time fraud detection system combining rules-based approaches, advanced analytics, and machine learning. The key features include:

• Hybrid Analysis Approach: Combines rules, analytics, and ML for accurate risk assessment
• Real-time Processing: Delivers risk scores within 2 seconds
• Advanced Profiling: Uses historical data, transaction patterns, and device fingerprinting
• Multi-channel Integration: Works with ATMs, POS, e-commerce, mobile, and net banking
• Comprehensive API Suite: For transaction validation, processing, and status updates

For more information, refer to FRM.

Digital Financial Services (DFS)/Wallet

Wibmo's DFS/Wallet solutions enable financial institutions, fintechs, and merchants to offer digital wallets and associated financial services. The key features include:

• White-labeled Wallet Solution: Customizable for diverse business needs
• Wallet Card Functionality: Supports major payment networks (VISA, MasterCard, RuPay)
• Comprehensive Transaction Support: Cash in/out, P2P transfers, split bills, account transfers
• Automated Compliance: Built-in AML limits, KYC, and regulatory compliance

For more information, refer to DFS.