All our Client’s end Users’ payments accounts securely provisioned via one OEM HCEWALLET app…

HCEWALLET Android OEM mobile wallet app launched for mobile payments services

‘Cards’- Digital Card Accounts (such as your Visa debit/credit cards)

‘UPI’- India’s Mobile Wallet based Person-to-Person Bank Accounts transfers

‘Bitcoin’Bitcoin account

‘Ecash’- Indian Rupee (INR), Pound Sterling (GBP) and Euro (EUR) digital currencies

‘Loyalty’- Major Indian Retailers loyalty giftcards vouchers



HCEWALLET – Loyalty app for safe payments

When you purchase loyalty digital gift vouchers via your HCEWALLET App for your favorite online merchants, you can use these voucher codes to buy products and services safely and securely without exposing your bank accounts, credit and debit cards details!

  1. Load Ecash into your HCEWALLET from your online bank account or very soon using your Visa debit or credit card.
  2. Use your HCE GBP/EUR/INR Ecash currency wallet accounts to buy loyalty digital gift vouchers.
  3. Spend these digital gift vouchers at merchants online websites or mobile apps.

With HCEWALLET App, you tokenize your physical cards to create digital card accounts. So your real card numbers are never stored on your device, and when you pay, we never share your physical card numbers with merchants and transaction information is never exposed over the Internet.

HCEWALLET App comes with your unique SWIM Digital ID which secures cards and payments, and provides digital signature proof of your purchase.


Our Simple but Important Security Principles

HCEWALLET App Mobile Security – ‘PKI-2FA & HCE’

To avoid theft, scams, and any other loss of funds, we follow these three basic principles and recommend you to also. Our end-to-end HCEWALLET mobile client based cloud hosted service follows these principles:

Generate your private keys based digital currencies and digital card accounts in a secure trusted environment providing a PKI-2FA(Public Key Infrastructure based 2-Factor strong Authentication) layer.

Create backups of your private keys in a security evaluated key management architecture validated by Visa Inc recommended Security Evaluation Labs.

This helps to protect against the loss of your digital coins due to device hardware failure or some other problem or accident. HCEWALLET has a duplicate set of backups kept off-site to protect against the possibility of fire, robbery, etc.

Encrypt wallets to provide additional level of security at a minimum with PKI-2FA (Public Key Infrastructure based 2-Factor strong Authentication and Visa/Mastercard specified Host Card Emulation (HCE) standards for Digital Card Accounts.

This helps prevent the physical theft of your funds in the event that your mobile device wallet is stolen. This also meets PSD2 (EU) and RBI (India) security regulations for remote payments.


HCEWALLET Mobile App will be available in Q3 2018.  Digital Currencies (e.g. Ecash and Bitcoins), HCE (Host Card Emulation) Digital Cards Accounts will be fully functionally supported by end 2018!


HCEWALLET Customer Services

Our HCEWALLET website (501) 342-3033 provides you with significant information related to the Services we offer, our Terms & Condition (T &A), and frequently asked Questions & Answers (Q & A).

We will aim to respond to your Customer Services query via email within 2 working days (normal working days Monday to Friday, excluding Bank Holidays) if you contact us via our Customer Services email address (

If you wish to raise your limits beyond the posted amounts, you may submit a request to our Customer Services (diablerie). We may require you to submit additional information about yourself or your business, provide records, and arrange for meetings with HCEWALLET staff (to undergo “Enhanced Due Diligence”).

We will acknowledge your complaint within 24 hours of its receipt if you contact us via our Customer Services email (

If you believe a third party has behaved in a fraudulent, misleading, or inappropriate manner, or if you cannot adequately resolve a dispute with a third party, you may notify HCEWALLET Customer Services email ( so that we may consider what action to take, if any.

We do not provide contact phone number support!

We do not respond to snail mail letters!