SECORA Pay M links payment and FIDO authentication on one platform
Infineon Technologies has introduced SECORA Pay M, a platform that combines EMV payment and FIDO authentication on a single Java Card-based secure element for cards and contactless devices. Positioned against a backdrop of rising digital fraud, SECORA Pay M is intended to extend Infineon’s existing SECORA Pay family into broader identity and transaction use cases.
Combining EMV payment and FIDO authentication
According to a new study by Juniper Research, digital fraud targeting financial institutions is forecast to rise from 23 billion US dollars in 2025 to 58.3 billion US dollars by 2030. To address this, SECORA Pay M extends the company’s plug-and-play SECORA Pay solutions to support both EMV payment and FIDO (Fast Identity Online) authentication in one platform. It supports the latest EMV payment applications for Visa and Mastercard, including VSDC2.8.1G1, VSDC2.9.2 and M/Chip Advance v1.2.3, on a Java Card 3.1 implementation.
With multiple use cases, including EMV payment, transport and ticketing and FIDO authentication, a single SECORA Pay M device can, in principle, serve as a payment card while also acting as a strong authentication token for online services. Infineon also points to support for “Tap to X” contactless transactions, aimed at e-commerce security, card digitisation into mobile wallets and login to mobile banking. For engineers, this potentially reduces the need for separate secure elements and simplifies token lifecycle management across physical and digital form factors.
“We have dedicated ourselves to protecting online transactions from the increasing fraud,” said Tolgahan Yildiz, Head of the Trusted Mobile Connectivity and Transactions Product Line at Infineon. “With the new SECORA Pay M, we provide our customers with a solution that allows them to stay one step ahead of attackers while offering end customers simple and convenient authentication.”
Platform details, ecosystem and availability
SECORA Pay M integrates Infineon’s FIDO 2.1 application for secured authentication, aligning with the move towards passkeys and passwordless sign-in. The FIDO Alliance, which develops and promotes these standards, frames this as a necessary shift for transaction security. Andrew Shikiar, CEO, FIDO Alliance, said: “Passwords have long been unfit for purpose, especially for important transactions like payments. The only way to eliminate widespread fraud is to replace phishable credentials with cryptographically secure and simple to use authentication. We are very pleased that Infineon shares this vision and is bringing solutions to market that help make payments and authentication simpler and more secure for all.”
The platform also includes an NFC Type 4 Tag application, which further extends contactless capabilities. In practice, this could allow issuers and OEMs to use the same secure element for payment, ticketing, FIDO-based account access and additional NFC services, depending on how they configure the Java Card applets and personalisation flow. For European system architects working on banking cards, transport schemes or secure access devices, SECORA Pay M therefore offers a single platform that can be adapted to different schemes and regional requirements.
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