G+D Netcetera and Halkbank

Enabling the Eastern European market with mobile contactless payment

Company info

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

G+D 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 G+D Netcetera’s white-label wallet.

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.

"As one of the first banks to launch a wallet in North Macedonia, we are truly developing the market together with G+D Netcetera. They enable us to offer our customers secure, easier and faster digital payments – without having to touch cash, a credit card or even a terminal. This is indeed a big step in digital transformation of banking in the region."

Atila Selim

Head of Alternative Distribution Channels Marketing, Halkbank

Features and Benefits

Bank-credential onboarding

Onboard users seamlessly using their existing bank credentials.

PIN-free biometric checkout

Authenticate biometrically at the POS without entering a PIN.

Comprehensive card management

View transactions, check details, and manage cards via MDES/VTS tokenization.

Enhanced shopping experience

Deliver a smoother and more satisfying online shopping journey.

Want to know more? Contact us now!

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