Has anyone heard about the Pagopace technology — does its payment chip really never expire?

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Hey everyone,

During my research I found the Pagopace payment ring, which is essentially a contactless payment device that you can link to a normal credit card and which—according to Pagopace—can work for longer than 5 years.

Is there any implant that uses the same technology? Would it be possible to make a glass-encapsulated implant with the same chip used in their ring?

Thanks for any insights!

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Not glass, but a conversion to flex may be possible.

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Thanks — that’s useful. Quick question: when you say “not in glass,” are you referring mainly to antenna issues, or to provisioning/secure-element limitations? Have you tried this in practice or talked to any glass manufacturers like schott about encapsulation? Appreciate any pointers.

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The rings are ceramic, might be tough extracting the chip …

It seam to only work in those countries:
Deutschland/Germany
Österreich/Austri
Schweiz/Switzerland

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I think Ill give it a try. My hope is that the antenna is smaler than in the braclet.
Has anyone here opened up such a thing?

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It’s a manufacturing problem really. Depending on what Pagopace product you’re talking about it will have a MOB packaged P71 from NXP or an Infineon SPA2.1 SecoraPay X module inside. Both of these have different challenges one-offing a conversion into glass.

If you are interested in funding mass production, or the expensive possibility of purchasing the fixed assets necessary to do a one-off for you, we can discuss the possibilities. Otherwise, flex conversion is your only realistic option.

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Thanks for your insights

I’ve noticed that Infineon has a relatively new 2x2mm chip as part of their SECORA line. Also, some ring manufacturers (like Tapster, for example) seem to have released a new “slim” version of their payment rings. Based on this, I was wondering if they might be using something like the SECORA Connect S?

From what I understand, this chip should be small enough to connect to an antenna on a rod inside a glass capsule. Since I’m looking for a solution that can potentially last more than 10 years, glass seems like a more durable and stable option to me.
Would love to hear your thoughts on whether this could be a viable direction especially from a integration perspective. I’m not looking to go into mass production – I’m mostly just curious whether this is technically feasible as a first step.

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Technically possible, but very high expense, even / especially for a one-off.

Material longevity are not a concern really. Our biopolymer has just as long a lifespan as glass - well over 10 years. That said, there is a higher risk that in the next 10 years the chip and / or infrastructure required to keep re-tokenizing new accounts to that chip will fail. For example, current EMV rules (arbitrary as they may be) state when a chip goes “end of life” from the manufacturer (Infineon) that re-tokenization is no longer supposed to be allowed, and those chips don’t typically have 10+ year product lifespans.

In the end, it’s all a gamble. You will eventually have to remove / replace the implant to keep using payment.. there’s just no clear cut definition of exactly when that might be.

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