Usage
- 24/7 wear embeds the card in members' daily lives
- Always on hand, so payment moments multiply
- Easier than a phone — a lower psychological barrier to paying
Solutions
Redefining issuer revenue with a ring
Payment, healthcare and marketing in one wearable — bringing higher card usage, top-of-wallet status and product revenue at the same time.
Three core values
Why issuers choose WearToPay
Top of wallet
- The physical investment in a ring becomes a switching cost
- No fight for the default slot in mobile wallets
- Paying upfront builds attachment to the card
Product revenue
- Direct revenue from ring sales
- A new stream beyond card issuance fees
Transit
One ring. Any train. Across Asia.
Because the ring runs on the Visa / Mastercard network, members tap to ride on major transit systems with no extra registration.
Japan
155+ lines nationwide
Tokyo area (11 operators, 54 lines, 729 stations), plus Kansai, Fukuoka and more.
Hong Kong
MTR
The full MTR network (since August 2024).
Malaysia
KLIA Express / KLIA Transit
Works with KLIA Express.
Singapore
SMRT (MRT) / SimplyGo
Works with SMRT (MRT) and SimplyGo.
Cross-border (add-on)
Become the card travelers choose
E-coupon integration opens up the 125,000+ merchant locations in Japan served by group company Valuedesign. A ring that pays off in Japan is a clear differentiator.
- 1An overseas issuer offers the WearToPay Ring to its cardholders
- 2Members use the ring daily at home, and usage takes hold
- 3On a trip to Japan, paying at selected merchants unlocks perks
- 4"This card gets me more in Japan" turns into lasting loyalty
Health intelligence (in development)
Turning health insight into a new revenue model
Detect a short night's sleep, and send a coupon for a nearby café the next morning. Members get a perk; issuers earn from merchants.
Insurance services
Extend into insurance, such as premium discounts linked to a health score.
Merchant marketing
Combine health and purchase data for precisely targeted coupons.
Engagement
A healthcare app gives you a daily touchpoint with members.
Getting started
Live in as few as four steps
Implementation is a matter of integrating with the card issuance system you already have.
- 1
Partnership agreement with WearToPay
- 2
System integration
- 3
Ring inventory secured and sales to cardholders
- 4
Payments go live