Discover® Digital Exchange (DDX)

Empowering digital payment experiences

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Digital payment solutions… for today, tomorrow and beyond

In an era of digital payment transformation, collaboration is key. As digital payments evolve, we’ll work with you to ensure you are connected to the latest in payments technology.

Discover® Digital Exchange (DDX) is a scalable platform that enables more seamless payment experiences, customizable to your needs. DDX is flexible, secure and designed to support payment solutions that are already available and those that are yet to come.


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

  • Digital wallets
  • E-commerce
  • Bank and merchant wallets
  • Merchant 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 built to support current and future technologies

Stored Payment Tokens

Payment tokens are a smart solution to Primary Account Numbers (PAN). DDX enables them to innovatively improve the customer experience.

  • Automatic, continuous account credential updating functionality as well as domain restriction controls for improved security.
  • Potential for fewer declines and a more frictionless customer experience.

Digital Wallets

Enabling digital devices requires two-way collaboration. DDX connects digital wallets to issuers, and issuers to digital wallets.

  • With a single point of access, in-store and in-app transactions are simple and secure. Cards running on Discover® Global Network can be added to digital wallets.
  • Digitally-stored credentials on digital wallets provide a convenient transaction option for customers.
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Host Card Emulation (HCE)

Ensure security without relying on hardware.

  • HCE uses a secure operating system (OS) to enable credential tokenization on Android-based wallets and apps without relying on secure element hardware.
  • Cost-effective and secure, ecommerce transactions are made with confidence.

Device-Based Secure Element (SE)

Digital wallets, wearables and soon-to-come innovative technology. DDX is your connection to device-based wallets.

  • Enables contactless and in-app payments on device-based wallets while securely managing encrypted data.
  • Digital wallet acceptance is expanded to issuers on our network, offering customers more options.

Ready to get started?

As your trusted digital commerce partner, we’ll help you take advantage of digital payment solutions that are best for you – now and in the future.

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We support entrepreneurial, forward thinkers

Keep building and innovating with Discover APIs. Our collective goal is an improved customer payment experience.

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Start growing your digital payments capabilities

Ready to talk big ideas? As your trusted digital commerce partner, we’re here to help you take the next step in the world of digital payment technology.

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