UGO Wallet Launches Support for Tokenization, TD Visa on Android


UGO Wallet is a venture from PC Financial and TD Canada Trust, which aims to become another mobile wallet for Canadians. Today, the company has announced the launch of Host Card Emulation (HCE) support and adoption of Visa’s tokenization technology for its Android app.

HCE, which essentially allows software to emulate a payment card, debuted in Android KitKat 4.4, while tokenization creates a one-time use number to represent your credit card at NFC terminals, making it safer for contactless payments.

This means Android users can now use TD Visa credit cards to tap and pay at contactless terminals, according to Alec Morley, CEO of UGO. “By adopting these technologies we have improved the customer experience – making it easier and faster – when loading TD Visa credit cards into the UGO Wallet app,” adding “This move also enables us to extend secure mobile payment functionality to more customers on more devices.”

Android devices running version 4.4 or higher can now use encrypted tokens when paying with their TD Visa at contactless terminals using UGO Wallet, which now comes with a widget for faster one-touch payments. This launch means Android devices on any carrier can use UGO Wallet, as long as they are running 4.4 and have a TD Visa.

Ugo wallet android

As for UGO Wallet on iOS, there are limitations on being able to access the iPhone’s NFC chip, so for now, the app is primarily a loyalty card and gift card app. Back in February, the iOS version added peer-to-peer money transfers with UGO Pay.

TD Canada Trust is set to launch support for Apple Pay in mid-June (along with Scotiabank and BMO), which cannot come any sooner. In the meantime, if you know someone with a TD Visa and an Android device on 4.4, they can start tapping to pay with UGO Wallet. It’s always good to know how mobile payments are evolving in Canada from our banks.


  • Corey Beazer

    Can everyone who uses this ALL uninstall it at once?
    That may give PC Financial the kick in the butt to forget about that nonsense and adopt Apple Pay

  • matroska

    hahahahaha… these companies can come up with all sorts of wallet apps, the truth is, Apple Pay is still the most convenient.

  • Z S

    Android Pay, Samsung Pay, and Apple Pay just all need to become a thing in Canada. No third-party app. Just native support. All Android and iPhone users in Canada need to be able to use their bank cards on their phone, regardless of what bank they’re with.

    Also, we need more vending machines that support tap. I saw some in Halifax that took Interac Flash and it was great.

  • mxmgodin

    Yes for vending machines!

    The ones we have at the office take mobile payment, but it works with a 3rd party app in which you have to create an account, load money to it, then connect to the vending machine via Bluetooth and make your purchase. I wish they’d have just installed a credit card tap terminal instead, ’cause that whole system is pretty clunky…

  • I’m curious why TD won’t support their MC versions? The Apple Pay launching site for TD makes it’s clear it’s only for bank cards and their Visa cards. I’m stuck out in the cold with a TD MC card which I got for Costco etc.

  • Here here, for tap vending machines. I wish my movie theater etc would update to these. It would make it so much easier than a bunch of coins in. Not mention I really don’t carry change around for such things any more,lol.

  • Crosseyedmofo

    i have the same MC i guess they are focusing on visa for now… being said they own mbna canada which is all mastercard so… could be possible they extend apple pay support to their cashback MC when MNBA gets on board?

  • Olley

    what the fack is this shit?