IPN and Entrust: Enabling Google Pay Across Lebanon’s Largest ATM Network
Read how IPN enabled Google Pay across Lebanon’s largest ATM network by implementing Entrust’s Digital Card Solution. Facing the need for scheme-neutral tokenization, scalable wallet integration, and secure provisioning, IPN delivered flexible Visa and Mastercard support, push provisioning from banking apps, and a future-ready platform for Click to Pay – setting a new benchmark for digital payment innovation in Lebanon.
Einführung
International Payment Network (IPN), founded in 1996 and headquartered in Jdeideh, Lebanon, is the country’s leading provider of ATM-based payment services. Owned by major Lebanese banks, IPN connects 18 financial institutions and manages 789 ATMs nationwide. It plays a central role in Lebanon’s financial infrastructure, offering services such as cash withdrawals, deposits, bill payments, account transfers, and mobile phone recharges. With a growing focus on digital payment adoption and financial inclusion, IPN is driving innovation in electronic transactions and interbank services.
The arrival of Google Pay in Lebanon in June 2025 presented a strategic opportunity for IPN to expand its offerings and support third-party wallet access for its member banks. This need for modernization led directly to its partnership with Entrust.
Geschäftliche Herausforderung
IPN faced a critical decision in enabling Google Pay for its network of banks. The organization needed a solution that could support secure digital wallet access while maintaining flexibility and neutrality across payment schemes.
Zu den wichtigsten Herausforderungen gehörten:
- No existing infrastructure for Google Pay enablement
- Limited flexibility with direct scheme integration (direct integration with Visa or Mastercard APIs would have locked IPN into one scheme, reducing neutrality and scalability)
- Need to support both Visa and Mastercard tokenization
- Desire to avoid reliance on a single payment scheme
- Pressure to deliver a scalable, secure solution to multiple banks
After evaluating fintech competitors and direct integrations with scheme APIs, IPN chose to pursue a more strategic and future-proof path – leading to its engagement with Entrust.
Lösung
IPN’s digital transformation required more than just a technical integration – it needed a trusted partner with deep expertise in tokenization and digital card issuance. Entrust delivered a comprehensive solution that aligned with IPN’s goals and infrastructure, enabling the organization to offer Google Pay to its member banks without compromising on scheme neutrality or scalability.
To meet its goals, IPN licensed the Entrust Digital Card Solution, which included:
- ITSP integration for Visa VTS and Mastercard MDES tokenization
- Single software development kit (SDK) for push provisioning, allowing cardholders to enroll in Google Pay directly from their banking apps (IPN is enabling push provisioning – thanks to the Entrust integration)
- A flexible platform that supports future value-added enhancements like Click to Pay
The Entrust solution integrated seamlessly into IPN’s infrastructure, giving the organization the ability to offer digital wallet capabilities to its member banks while remaining neutral across payment schemes.
This implementation marked a major milestone in IPN’s digital transformation journey and set the stage for measurable impact across its network.
Entrust hat uns die Flexibilität und die Expertise gegeben, die wir brauchten, um Google Pay im Libanon einzuführen – ohne Kompromisse bei Neutralität oder Skalierbarkeit.
Mr. Johnny Torbey
CEO, IPN
Ergebnisse
Now that the first bank – Crédit Libanais – has gone live, IPN has already seen strong momentum and validation of its strategy. The Entrust partnership has positioned IPN as a digital payments enabler for Lebanon’s banking sector, with additional banks expected to follow. The infrastructure is now in place to support secure, scalable digital wallet adoption across the country.
Zu den Hauptergebnissen gehören:
- Successful integration of Google Pay enablement
- First bank has gone live
- Strong interest from additional banks
- Foundation laid for future digital card features like Click to Pay
With the groundwork in place, IPN is now focused on expanding its digital wallet capabilities and continuing to innovate.
The Entrust solution is more than just technology – it’s a strategic enabler for our digital transformation.
Mr. Johnny Torbey
CEO, IPN
Blick in die Zukunft
IPN’s partnership with Entrust is just the beginning of a broader digital transformation. With Crédit Libanais already live, IPN is actively working to onboard additional banks and extend digital wallet access across its network. The organization is also exploring new use cases, including Click to Pay, to further enhance cardholder convenience and drive secure and seamless payment opportunities.
Entrust remains a key part of IPN’s roadmap, offering the flexibility, security, and strategic support needed to meet evolving market demands. Together, IPN and Entrust are shaping the future of digital payments in Lebanon.
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