Discover® Digital Exchange (DDX)

A flexible platform for
tokenization and eWallet services

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Streamline digital payments on Discover® Global Network

Discover® Digital Exchange (DDX) is an integrated API-based tokenization platform that enables seamless digital transactions and secures the storage of payment details. Explore how DDX can help grow your digital commerce capabilities.


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

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

Learn how contactless technology and chip cards offer a unique set of benefits for your business.

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Turnkey tokenization and wallet services to fit your needs

Replace cards on file with Stored Payment Tokens

Allows Merchants to use and store a Payment Token instead of a Primary Account Number (PAN) for e-commerce, merchant wallets and recurring payments.

  • Tokens automatically update regardless of plastic card status
  • Fewer declines due to card expiration or account changes
  • Seamless customer experience and increased security

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)

Enable contactless and in-app payments on device-based wallets like Apple Pay.

  • Helps to securely store card data and manage encrypted data
  • Enables Issuers on our network to use your digital wallet
  • Provides security that can be updated continuously

Have questions about getting started?

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 into your business.

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Keep building and innovating with Discover APIs

Start enhancing your digital checkout capabilities today with Stored Payment Tokens, 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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