MeaWallet
MeaWallet is a Norwegian digital payments enabler providing cloud-native card tokenization and digital wallet infrastructure to banks, issuers, fintechs, and payment processors across 50+ countries via the Mea Token Platform and a modular product suite.
- Company typePrivate
- Founded2013
- HeadquartersOslo, Norway
- Headcount51–100
- GTM typeB2B
- OfferingSoftware
What MeaWallet does
MeaWallet is a Norwegian digital payments enabler founded in 2013 and headquartered in Oslo, specializing in card tokenization and digital wallet infrastructure for card issuers, fintechs, payment service providers, and merchants. The company's core offering is the Mea Token Platform (MTP), a cloud-native, API-driven tokenization platform that provides a single integration point to all major Token Service Providers (Visa, Mastercard, American Express, eftpos), managing the full token lifecycle from provisioning and activation through suspension and deletion. Around MTP, MeaWallet has built a modular product portfolio including Mea Push Provisioning (one-click card-to-wallet issuance), Mea Card Data (PCI DSS-compliant in-app card detail display), Mea Token Control (consumer-facing token management), Mea Service Portal (issuer reporting and lifecycle tooling), Mea Card Gateway (secure card-data transmission network connecting 150+ issuers/fintechs and 12 processors), Digital Cards, and Click to Pay / EMV Secure Remote Commerce support.
MeaWallet monetizes via enterprise platform licensing and recurring SaaS subscriptions, supplemented by implementation and integration services, with quote-based multi-year contracts and no disclosed startup costs. The go-to-market blends direct enterprise field sales with regional channel partnerships (Backbase for ANZ, Toqio for UK/Spain, B89 for LATAM, ASL for Australia, Universo for Portugal) and an IpaaS route via Integrated Finance, supported by a self-service developer portal. The company is a certified partner of all four major card schemes, achieved PCI DSS v4.0 certification ahead of the 2024 deadline, and counts 200+ fintechs and payment processors across 50+ countries as customers, with named enterprise clients including UniCredit Group, MBH Bank, Islandsbanki, CCBank, Credito Agricola, Fibank, Ferratum, and Oney. Recent strategic moves (Backbase, B89, Toqio, Integrated Finance partnerships, Mea Card Gateway and Click to Pay launches, and Juniper Research Gold / Mastercard Excellence Awards LAC recognition) indicate an active expansion phase across products and geographies.
MeaWallet firmographics
Firmographics- Name
- MeaWallet
- Legal name
- MeaWallet
- Website
- https://meawallet.com
- Company type
- Private
- Founded year
- 2013
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- MeaWallet is a Norwegian digital payments enabler providing cloud-native card tokenization and digital wallet infrastructure to banks, issuers, fintechs, and payment processors across 50+ countries via the Mea Token Platform and a modular product suite.
- Ownership category
- akta.pro rank
MeaWallet industry classification
Industry- Product category
- Payment Tokenization
- NAICS
- Computer Systems Design and Related Services (5415)
- SIC
- Services-Computer Programming, Data Processing, Etc. (7370)
- akta.pro primary industry
- Card Issuing Platforms (Issuer Processing) (FSAGABAD)
- akta.pro secondary industries
- Digital Wallet Infrastructure (Tokenization, Wallet-as-a-Service) (FSAMAEAI), Embedded Card Issuing & Card-as-a-Service (FSAGALAC), Processor Back-End & Switch Providers (Issuer/Acquirer Processing Infrastructure) (FSAMABAJ)
Keywords
Where MeaWallet is headquartered
LocationHeadquarters
- HQ city
- Oslo
- HQ country
- Norway
- HQ region
- Europe
Offices1 record
Markets served
MeaWallet business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure
Revenue model
- Tokenization Platform Licensing / SaaS: MeaWallet provides its Mea Token Platform (MTP) and associated SDKs/APIs as a managed service to issuers, fintechs, and PSPs. The platform handles token lifecycle, push provisioning, card data, and token control. Clients integrate via a single API. Revenue is generated through platform licensing and usage-based or subscription fees. MeaWallet notes flexible pricing with no startup costs.
- Implementation and Integration Services: MeaWallet supports implementation of its solutions, including onboarding, configuration, certification support, and managed backend services covering cryptographic keys and PCI data. While described as a turnkey solution, some elements may involve professional services for integration.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Multi-year contract | Enterprise licensing for issuers and fintechs — quote-based |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels7 records
MeaWallet product offering
Product offeringCore offering
MeaWallet provides a cloud-native, API-driven card tokenization platform (Mea Token Platform) that connects card issuers, fintechs, and payment processors to all major Token Service Providers (Visa, Mastercard, American Express, eftpos) through a single integration. The company sells a modular suite of PCI-DSS certified software products including push provisioning SDKs, digital card issuance, token lifecycle management, secure card data display, and a global card data transmission gateway. MeaWallet delivers its offering as licensed SaaS / platform subscriptions to financial institutions and fintechs, with implementation services available.
Product overview
MeaWallet is a digital payments enabler specializing in card tokenization and mobile wallet solutions. The company's core offering centers on the Mea Token Platform (MTP), a cloud-native, API-driven tokenization platform providing a single integration point to connect to all major Token Service Providers (Visa, Mastercard, American Express, eftpos). This platform underpins a modular portfolio of solutions including Tokenisation (core card tokenization), Mobile Wallets (issuer-branded wallet launch), Push Provisioning (Mea Push Provisioning MPP for adding cards to OEM wallets like Apple Pay and Google Pay), Digital cards (instant virtual card issuance), Mea Token Control (token lifecycle management), Mea Service Portal (web-based management and reporting), and Mea Card Gateway (secure card data transmission platform). Mea Card Data enables secure in-app card detail viewing. The company serves 200+ fintechs and payment processors across 50+ countries as a certified partner of Mastercard, Visa, American Express, and eftpos.
Differentiator
Problem solved
Functional benefit
Brands
- Mea Token Platform (MTP): Cloud-native tokenization platform connecting to all Token Service Providers through single integration
- Mea Push Provisioning (MPP)
- Mea Token Control
- Mea Card Gateway
- Mea Service Portal
Products and services
- Tokenisation Card tokenization technology that replaces sensitive 16-digit account numbers with secure digital tokens during transactions to protect cardholder data and combat fraud. Sold to card issuers, banks, fintechs, payment processors, and merchants.
- Mobile Wallets Branded mobile wallet solutions for card issuers enabling them to launch their own proprietary payment applications with customization, extendibility, and value-added services. Designed for banks and issuers seeking their own wallet offering.
- Push Provisioning Mea Push Provisioning (MPP) platform enabling card issuers to push cards to digital wallets (Apple Pay, Google Pay, Samsung Pay, Garmin Pay, Fitbit Pay, Huawei Pay) with a one-click instant issuance experience through the issuer's own mobile app or website. Sold to card issuers and fintechs.
- Digital cards Digital-first card solutions enabling card issuers to offer virtual cards that can be immediately used for Tap & Pay NFC payments without waiting for physical cards. Designed for digital-native banks and instant card issuance scenarios.
- Mea Token Control Token management solution allowing issuers and cardholders to manage tokens (activate, suspend, resume, delete), set spending limits and merchant restrictions, with built-in analytics and reporting for token usage insights.
- Mea Service Portal Web-based portal for issuers to perform token lifecycle management activities, assist consumers, generate reports, and gather insights and data through a user-friendly interface.
- Mea Card Gateway Global platform for secure transmission of sensitive payment card data between MeaWallet customers, payment processors, and service providers. Addresses PCI DSS compliance challenges by offloading card data storage; connects 150+ issuers/fintechs and 12 processors globally.
- Mea Card Data PCI-DSS-compliant SDK (Android, iOS, Web Widgets) enabling issuers and fintechs to display sensitive card details (PAN, expiry, CVV) securely within their own apps without handling raw card data directly. Can be implemented within one day.
- Mea Merchant Tokenization Service for replacing cards-on-file containing sensitive data with network tokens-on-file for secure payment experiences in merchant environments. Designed for merchants and acquirers.
- Mea Token Platform (MTP) Core tokenization platform providing a single integration point to connect to all Token Service Providers (Visa, Mastercard, American Express). PCI-DSS certified, handles token lifecycle management, customer support, and reporting. Cloud-native and API-driven.
Quantifiable outcome
- Push provisioning yields 2-3x higher tokenization success rates compared to manual card enrollment
- +6 more outcomes
Companies that use MeaWallet
Customer profileNamed customers16 records
Segments4 records
Ideal customer profiles3 records
MeaWallet technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration8 records
Feature8 records
MeaWallet partnerships and signals
Strategic signalPartnerships
Eight partnerships are on record, tiered core.
- Central Cooperative BankcoreMeaWallet supported Central Cooperative Bank in launching Click to Pay push provisioning functionality for both Mastercard and Visa. Central Cooperative Bank customers can add their cards to Click to Pay directly from their banking app, alongside traditional wallet options like Apple Wallet.
- BackbasecoreMeaWallet partnered with Backbase (creator of the Engagement Banking Platform) to deliver advanced tokenization solutions to issuers and fintechs across Australia and New Zealand. The partnership features Mea Push Provisioning and Mea Card Data solutions, enabling efficient activation of OEM wallets (Apple Pay, Google Pay, Samsung Pay) and secure in-app card data access, integrated with Backbase's Engagement Banking Platform.
- Integrated FinancecoreMeaWallet partnered with Integrated Finance (a fintech IpaaS platform) to strengthen digital wallet payments and secure card data access for fintechs. The integration enables Integrated Finance clients to easily offer Apple Pay, Google Pay, and Samsung Pay without additional integration complexity, and provides secure in-app card data access leveraging MeaWallet's PCI DSS-compliant infrastructure.
- ToqiocoreMeaWallet partnered with Toqio (a B2B embedded finance technology platform) to expand digital card capabilities for Toqio's corporate customers in the UK and Spain. The partnership integrates MeaWallet's push provisioning technology into Toqio's card offering, enabling Toqio's corporate clients and end users to adopt and distribute Apple Pay and Google Pay compatible digital cards.
- B89coreMeaWallet partnered with B89 (Latin America's first cross-border neobank, founded 2019, based in Lima, Peru, and the first Peruvian fintech to become a Principal Member of Visa) to deliver comprehensive tokenization services. MeaWallet provides SDK Push Provisioning enabling B89 customers to use Apple Pay and Google Pay, and connects B89 to the Visa Token Service as an Issuer Token Service Provider (ITSP).
- 7Security GmbHcore7Security GmbH (a Qualified Security Assessor and PCI DSS consulting company) supported MeaWallet's transition to PCI DSS v4.0 certification, conducting the compliance assessment, providing unlimited consultations, and guiding MeaWallet through the complexities of the updated standard.
- Universo (Sonae FS)coreMeaWallet partnered with Universo (a trademark of Sonae FS, the financial services arm of Sonae Group in Portugal) to accelerate adoption of digital payments and digital wallet use for Universo's large customer base. MeaWallet provides provisioning and token control functionalities enabling Universo's customers to add and manage payment cards in Apple Pay, Google Pay, FitbitPay, and GarminPay for contactless NFC payments.
- Australian Settlements Limited (ASL)coreMeaWallet partnered with Australian Settlements Limited (a mutually owned payment and settlement services provider for the Australian mutual and customer-owned banking sector) to deliver tokenization and digital payments technology. The partnership enables ASL members to integrate eftpos functionality (including Cash Out) in mobile wallets like Google Pay, and provides tokenization services to reduce cardholder fraud.
Scale indicators9 records
Recent moves6 records
Expansion highlights5 records
MeaWallet competitors and assessment
Company assessmentBroad incumbents
- Marqeta: Marqeta is a larger modern card issuing platform offering tokenization as part of its full-stack issuing infrastructure. While broader in scope (full issuing vs. just tokenization), it addresses overlapping buyer needs in fintechs building digital card experiences.
Direct peers
- Giesecke+Devrient (G+D): G+D provides trusted tokenization, mobile payment platforms, and issuer services through its Mobile Security and Verimi/Net-Guard divisions. Directly competes with MeaWallet in serving banks and fintechs requiring multi-scheme tokenization and push provisioning.
- TAS Group: TAS Group is an Italian-headquartered payment solutions provider with tokenization, issuing, and digital wallet capabilities serving European banks. Listed as both a MeaWallet customer and partner, and competes in the same tokenization service space.
- Netcetera: Netcetera provides 3-D Secure, digital wallet, and tokenization services for issuers and fintechs across Europe. Competes with MeaWallet on push provisioning, mobile wallet enablement, and Click to Pay implementations.
- IDEMIA: IDEMIA offers digital payment and tokenization solutions including its Smartpin and Metal Card programs, plus issuer services for biometrics and secure element provisioning. Competes with MeaWallet across issuer tokenization and mobile wallet enablement.
- Thales (Gemalto): Thales is a major tokenization platform provider serving card issuers with both hardware and software-based digital payment security solutions. Directly competes with MeaWallet, including in the Mastercard Excellence Awards LAC 2024 where Thales was a finalist.
- HST (Cardtek Group): HST is a payment solutions provider offering tokenization, card issuance, and digital wallet enablement solutions for issuers. Was a co-finalist with MeaWallet at the Mastercard Excellence Awards LAC 2024, indicating direct competition in the LATAM market.
- Token (formerly TokenEx): Token provides cloud-based tokenization and network tokenization services, particularly for merchant card-on-file tokenization. Partially overlaps with MeaWallet's Mea Merchant Tokenization and Mea Card Gateway offerings.
Emerging players
- Entersekt: Entersekt specializes in authentication, transaction signing, and mobile push-tokenization for financial institutions. Adjacent competitor in the issuer security and tokenization space, particularly in Africa and Europe.
Regional players
- Gallagher Digital (formerly 3DMerchant/Veritrans): A payment solutions group offering tokenization and digital wallet enablement in Asia Pacific. Comparable to MeaWallet in product scope but with a different geographic focus.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks5 records
Key highlights7 records
Customer concentration
MeaWallet social profiles
Digital presenceMeaWallet compliance and trust
Trust signalCompliance4 records
MeaWallet financial estimates
Financial estimateRevenue estimate
Valuation estimate
MeaWallet leadership team
Management profileNumber of profiles
Profiles4 records
MeaWallet funding detail
Funding detailFunding overview
Funding rounds5 records
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
MeaWallet M&A and investment
M&A and investmentM&A1 record
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about MeaWallet
What does MeaWallet do?
MeaWallet provides a cloud-native, API-driven card tokenization platform (Mea Token Platform) that connects card issuers, fintechs, and payment processors to all major Token Service Providers (Visa, Mastercard, American Express, eftpos) through a single integration. The company sells a modular suite of PCI-DSS certified software products including push provisioning SDKs, digital card issuance, token lifecycle management, secure card data display, and a global card data transmission gateway. MeaWallet delivers its offering as licensed SaaS / platform subscriptions to financial institutions and fintechs, with implementation services available.
Is MeaWallet a public or private company?
MeaWallet is a private company. It is classified as venture growth investor backed and is currently operating.
When was MeaWallet founded?
MeaWallet was founded in 2013. It employs 51 to 100 people.
Where is MeaWallet based?
MeaWallet is headquartered in Oslo, Norway, in the Europe region.
How does MeaWallet make money?
Two revenue lines are on record. Tokenization Platform Licensing / SaaS are the primary driver. The others are implementation and Integration Services.
Who are MeaWallet's main competitors?
Marqeta is listed as a broad incumbent. Direct peers are Giesecke+Devrient (G+D), TAS Group, Netcetera, IDEMIA, Thales (Gemalto), HST (Cardtek Group) and Token (formerly TokenEx). Entersekt is listed as an emerging player. Gallagher Digital (formerly 3DMerchant/Veritrans) is listed as a regional player.
Does MeaWallet have an API?
Yes. MeaWallet offers SDKs for push provisioning and token management. The Mea Push Provisioning platform provides APIs/SDKs that reduce implementation time from several man-months to a few man-hours. The Mea Card Data SDK supports Android, iOS, and Web Widgets and can be implemented within one day. The Mea Token Platform provides a single integration point to connect to all Token Service Providers (TSPs). Developer portal available at developer.meawallet.com. Developer documentation is at developer.meawallet.com.
What industry is MeaWallet in?
MeaWallet's product category is Payment Tokenization. Its primary akta.pro industry code is FSAGABAD, Card Issuing Platforms (Issuer Processing), with a secondary code of FSAMAEAI, Digital Wallet Infrastructure (Tokenization, Wallet-as-a-Service). Its NAICS code is 5415 and its SIC code is 7370.