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Discover® Digital Exchange
Powering digital payment experiences
Discover® Digital Exchange (DDX) connects issuers to the latest digital payment technologies to enable the solutions that are here today, and those that are yet to come.
Discover® Digital Exchange (DDX) connects issuers to the latest digital payment technologies to enable the solutions that are here today, and those that are yet to come.
What is DDX?
DDX is a scalable platform that helps issuers easily provision and manage payment tokens to deliver secure, seamless digital payment options for cardholders. DDX offers a single point of access for tokenization services, as well as mobile payment and digital wallet enablement.
Enable stored tokens for seamless digital payments
DDX tokenization replaces stored credentials with network issued EMV®1 payment tokens to streamline customer experience and protect cardholder payment details. DDX also delivers ease of management with account updating functionality and domain restriction controls.
1. EMV® is a registered trademark in the U.S. and other countries and an unregistered trademark elsewhere. The EMV trademark is owned by EMVCo, LLC.
Access leading digital wallets with a single connection
DDX is an advanced platform that simplifies your connection to leading digital wallets, so you can offer the payment convenience cardholders want. Wallet availability varies by market.
Apple Pay® enables simple and convenient payments in-store, in-app and on the web.
Google PayTM is the fast, simple way to pay with Google. It keeps payment information safer in the user’s Google Account until the user is ready to pay.
Samsung Pay® allows customers to pay in-person, in-app or online using their mobile device.
Garmin PayTM* is a contactless payments solution for people who are always on the go.
* Mobile wallet acceptance varies by market
Continue to evolve your digital wallet offering
As digital wallets expand, DDX can help you keep up with innovations.
Grow your payment options
Enable cardholders to conveniently transact using their current smart devices and stay ready for future innovations.
Simplify management
DDX simplifies the provisioning, secure transactions and life cycle management of digital wallet implementation.
Support a variety of wallet types
DDX tokenizes cardholder credentials on Host Card Emulation (HCE) and Secure Element (SE)-based digital wallets.
Wallet technologies supported
Device-based Secure Element
DDX 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.
Host Card Emulation (HCE)
HCE uses a secure operating system (OS) to enable credential tokenization on Android-based wallets and apps without relying on secure element hardware. DDX ensures that cost-effective and secure e-commerce transactions are made with confidence.
Get comprehensive support
We offer dedicated teams around the world to expertly guide issuers and tech partners through the journey of connecting DDX and digital wallets.
DDX offers customizable digital options and is built to grow with future solutions.
Get started with DDX
Get more information
Learn more about the capabilities of our DDX solutions and what they can do for you.
Access APIs for tokens and wallets
Explore our API resources for stored payments tokens and HCE and SE wallet services.