Payment Ring
NFC contactless payment with your credit card.
- Cards
- Credit, debit and prepaid
- Material
- Ceramic or metal
- Width
- 3.2 mm / 5 mm / 7 mm
- Size
- US 5–15
- Highlights
- No charging, waterproof, 24/7 wear
Product
Form meets function, in a single ring
WearToPay Ring is a payment device designed to be worn continuously, like jewelry. We deliver the ring and the token infrastructure behind it as one offering.
Product lineup
Two rings
Payment + Healthcare Ring
Contactless payment plus continuous sleep, heart-rate and temperature tracking.
- Material
- Metal
- Size
- US 5–15
- Highlights
- Waterproof, health data in a dedicated app
The ring
Jewelry you wear every day
Design
A stylish ring that doubles as jewelry. It pairs with both formal and casual wear.
Wearability
Lightweight and waterproof. Keep it on through sports, bathing and sleep.
Usability
Tap the terminal and the payment is done. No smartphone needed.
Sizing
Available in multiple sizes, with a sizing service on request.
Architecture
Three layers, no change to what you already run
Because it runs on the Visa / Mastercard network, there is nothing to rebuild on the issuer side.
Existing system
Issuer layer
Connects to your existing card issuance system. Integration is all it takes.
Visa / Mastercard
Payment brand layer
Authentication and payment authorization run over the Visa / Mastercard network.
WearToPay
Manufacturing and token layer
Ring manufacturing, plus token generation and management on a token requester platform.
Tokenization
The card number never lives on the device
The token requester is the secure hub between the ring, the payment schemes and the issuer's core systems.
- 1
Enroll a card
The member enters card details in the app.
- 2
Issue a token
The token requester asks the payment scheme; once the issuer approves, the card number is replaced with a token.
- 3
Provision the ring
The token is provisioned to the paired ring. The card number is never stored on the device.
- 4
Tap to pay
A tap authenticates with the token, authorization returns, and the transaction completes.
Why a ring
The only device you never take off
| WearToPay | Smartwatch | Smartphone | |
|---|---|---|---|
| Wear | Always worn, waterproof | Exercise and daytime only | Has to be taken out |
| Charging and launch | No charging (payment model) | Needs charging | Needs authentication and an app |
| Biometric data | Continuous, 24/7 (in development) | Removed at night — sleep data is incomplete | Not available |
| Choosing a card | No wallet interaction | Pick from a wallet | Pick from a wallet |