Netcetera and Halkbank


HALKBANK is one of the strongest brands in the Macedonian financial market. It employs nearly 700 people and it has a national presence with 44 branches. The bank serves thousands of citizens as well as small, medium and corporate enterprises and public institutions. They offer a wide range of financial services including personal banking, credit cards, home loans, consumer loans, savings, business loans, plus payment operations at home and abroad.

The challenge

The COVID- 19 pandemic required more innovation and speed in banking and payments. Halkbank needed a solution that enabled  contactless payment with a mobile device, instead of using cash.

Mobile wallets have become an essential payment product for consumers. They offer contactless payment with debit and credit cards at the POS.

The solution

Netcetera created a modern and contactless mobile wallet payment solution for Halkbank customers, available in four different languages. It is the first digital wallet implementation in North Macedonia to use the Consumer Device Cardholder Verification Method (CDCVM), based on Netcetera’s white-label wallet from their ToPay product suite.

The HalkPay mobile application is available for every customer with an active Mastercard or Visa card issued by Halkbank. By downloading the HalkPay application, the user digitizes the card and can start using the mobile device as a payment method. In addition, the Halkpay customer can authenticate via the mobile device using biometric authentication methods without entering a PIN on the POS terminal.

Features and Benefits

User onboarding based on bank credentials

Enabled biometric authentication methods without entering a PIN on the POS terminal

Enabled functions include: list of transactions, transaction details, or the digitization and management of credit as well as debit cards via tokenization services from Mastercard (MDES) and VISA (VTS)

Improved cardholder experience during online shopping

Want to know more? Contact us

Petre Bozhikov

Sales Executive Secure Digital Payments (SEE & Balkans)

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