Monizze and IDEMIA launch Monizze Pay to enable NFC mobile payments for Belgian employee benefits

# What happened

# Why this matters Monizze serves employers and employees with voucher-based benefits. By digitising those vouchers into a smartphone wallet embedded in Monizze's app, employees can leave physical cards at home and pay in store using their phones. For employers, it simplifies distribution and usage of benefits. For merchants, Monizze says the solution keeps transaction costs transparent and limits intermediaries by staying inside Monizze's acceptance network.

# How it works IDEMIA Secure Transactions provides two technical components:

• A tokenisation platform that replaces sensitive card data with unique digital tokens for each transaction. This secures proximity payments and supports provisioning across proximity, in-app and e-commerce channels.
• HCE-based NFC wallet enablement that allows secure contactless payments to be embedded directly in the Monizze app on iOS and Android, without forcing customers to use an external wallet app.

Monizze Pay uses these components to digitise Monizze cards and provision tokens inside the app. At the point of sale, the phone behaves like a contactless card. Merchants who already accept Monizze card payments can accept Monizze Pay via the existing infrastructure.

# The strategic choice: a sovereign, private-label approach Monizze positions Monizze Pay as a sovereign, private-label mobile payment solution. That means Monizze retains control of the customer journey, user experience and payment environment rather than relying on major international wallets and schemes. Monizze emphasises that this approach keeps costs down for merchants and reduces intermediaries in the payment chain.

IDEMIA frames its role as enabling local payment providers to deploy digital wallets and token-based NFC payments without ceding control of the commercial model. IDEMIA reports a large installed base of tokens globally and markets its SaaS token platform as a foundation for modernising payments while keeping issuer control over data and UX.

# Practical implications

• Employees: Use meal, eco and gift vouchers via smartphone—no physical card required. Works on both major mobile platforms.
• Employers: Offer digital distribution and a more convenient experience for benefits recipients.

• Monizze: Maintains branding, customer journey control and direct relationship with users.

# What's next mentioned in the announcement The partners present Monizze Pay as a platform for further innovation in the Belgian employee benefits ecosystem. IDEMIA is also active in events and panels on wallet acceptance and Tap to Pay technologies, positioning its stack for similar private-label deployments.

# Bottom line Monizze Pay converts voucher balances into NFC-enabled mobile payments inside the Monizze app, using IDEMIA's tokenisation and HCE stack to secure transactions and preserve Monizze's control of the payments flow. The launch targets convenience for employees and a simplified cost and acceptance model for merchants within Belgium's employee benefits market.