IDEMIA launches Roam2Pay to support cross-border payments

By Aarav Garg

IDEMIA Secure Transactions has launched Roam2Pay, a new interoperability solution designed to support cross-border payments between domestic payment schemes, private payment networks and digital wallets.

The platform aims to address a long-standing challenge in digital payments: enabling local payment systems to operate internationally without relying entirely on global card networks. Domestic payment rails and regional wallets have expanded rapidly in recent years, particularly across Asia, the Middle East and parts of Africa, but cross-border interoperability has remained limited due to fragmented infrastructure and differing payment standards.

Roam2Pay uses a secure token exchange model that allows payment credentials issued within one network to be recognised and processed as local transactions in another. The approach is designed to let consumers use their existing payment methods abroad without adopting separate payment tools or changing transaction behaviour.

The model draws on concepts used in telecom roaming, where users access foreign networks through their home provider. In payments, this enables digital wallets and domestic schemes to extend international acceptance while retaining control over their own ecosystems and customer relationships.

“With Scheme Interoperability, IDEMIA Secure Transactions tackles one of the biggest limitations of today’s payment ecosystems: fragmented acceptance across networks. By enabling this solution, we make it possible for domestic schemes and digital wallets to extend beyond their borders while supporting more sovereign and balanced payment infrastructures,” said Anastasia Serikova, EVP Digital Payment Solutions at IDEMIA Secure Transactions.

For FinTech firms and payment operators, interoperability is becoming increasingly important as cross-border commerce, travel and digital wallet adoption grow. The ability to connect local payment systems without extensive bilateral integrations could reduce operational complexity and create new opportunities for regional payment collaboration.

IDEMIA Secure Transactions said the platform builds on its tokenisation infrastructure, which currently supports hundreds of millions of payment tokens and integrations with multiple payment networks globally. The company is positioning the new platform as an orchestration layer aimed at connecting payment ecosystems across markets.