Payments glossary
Digital wallet
A digital wallet stores a customer's payment credentials so they can pay with a tap or a click instead of typing card details. Google Pay, Apple Pay and Samsung Pay are the most widely used at online checkouts, where they replace the card number with a device-bound token.
How wallets keep card details out of the checkout
When a customer adds a card to a wallet, the card number is replaced with a token bound to that device. Paying shares the token plus a one-time cryptogram - never the real card number - and the customer authorises with a fingerprint, face scan or device PIN. If a merchant's systems are ever compromised, a stolen wallet token is useless anywhere else, which is why wallets are among the safest ways to pay online.
Why wallets convert better on mobile
The hardest part of mobile checkout is typing a sixteen-digit card number, an expiry date and a CVV on a small screen. A wallet collapses all of that into one biometric confirmation, with verified billing details passed along automatically. The customer's identity is strongly authenticated by the device itself, which supports the frictionless treatment of the payment downstream - fewer abandoned carts, fewer typos, fewer false declines.
Wallets on LekkaPay
Google Pay, Apple Pay and Samsung Pay are supported on LekkaPay checkouts, presented automatically to customers on compatible devices alongside cards and bank payment methods.
Last updated:
Payments without the jargon.
One integration, every way Africa pays - we'll handle the acronyms.