Enable customers to pay with a variety of digital wallets

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A flexible platform offering multiple tokenization services

Whether you want the ability to add your payment cards to a digital wallet or integrate payment capabilities within your proprietary app, Discover® Digital Exchange (DDX) is an integrated API-based tokenization platform that streamlines digital payments on Discover® Global Network.


DDX is designed to support new ways that customers pay, including:

  • Digital wallets
  • E-commerce
  • Bank and merchant wallets
  • Apps

Turnkey tokenization and wallet services to fit your needs

Allow cardholders and customers to pay using digital wallets

Provides a single point of access to help enable easy, secure in-store and in-app transactions on digital devices.

  • Connects Issuers to DDX-enabled digital wallets, and vice versa
  • Allows cards running on Discover Global Network to be added to digital wallets
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Create a digital wallet without being tied to hardware

Host Card Emulation (HCE) is a cloud wallet solution that allows you to tokenize credentials on Android-based wallets and apps without relying on a secure element.

  • Enables Issuers on our network to use your digital wallet
  • Helps ensure timely, cost-effective, and secure ways to integrate wallets

Tokenize Discover® Cards on digital wallets that use a Secure Element (SE)

Tokenize cards running on Discover Global Network to enable contactless and in-app payments on device-based wallets like Apple Pay.

  • Helps to securely store card data and manage encrypted data
  • Provides security that can be updated continuously

Have questions about getting started?

Wherever you are with your business, we’re here to help guide you through the complexity of the digital world and can provide a roadmap on how to integrate emerging payment methods.

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Keep building and innovating with Discover APIs

Start enhancing your digital checkout capabilities today with HCE, as well as other payment, security and data APIs.

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Start growing your digital payments capabilities

Ready to talk big ideas? We’re here to help you take the next step in the world of digital payments.

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