Last updated: March 2026
When you add a bank card to Walt, you enter your card number (PAN), expiry date, and CVV into input fields that are provided by a secure overlay from our tokenization partner. This overlay sits on top of the Walt app but is completely isolated from it. Walt's own code cannot read, intercept, or store the values you type into these fields.
As a result, neither the Walt app nor Embedded Engineering ApS, the company behind Walt, ever has access to your card PAN, DPAN (device-specific card number), or any other sensitive card credentials. These details go directly from the secure overlay to the tokenization provider and never pass through Walt's systems.
Walt displays your transaction history directly within the app so you can see what you've spent. To do this, the app receives transaction details from the payment network and presents them on screen.
This data is stored only on your smartphone. Walt does not upload, sync, or replicate your transaction history to any centralized server or database operated by Walt or Embedded Engineering ApS. If you uninstall the app, your transaction history is deleted with it.
Walt's local-only privacy model is made possible by Paymentology, a payment processing platform that acts as the aggregator between Walt and the card networks. Paymentology handles PCI-compliant tokenization, meaning it securely converts your card details into tokens that can be used for payments without exposing the underlying card data. Paymentology also manages the regulatory and compliance requirements that come with processing card transactions, so that Walt itself does not need to handle or store sensitive payment information.
Walt intends to charge customers for its product in the future. When billing is introduced, Walt will integrate with a third-party payment platform to process charges, issue receipts, and optionally store your preferred billing method for recurring payments.
The specifics of this billing integration have not yet been finalized, as all Walt services are currently free. This page will be updated with full details once customer billing begins.