A method for provisioning a digital wallet application on a mobile device (112, 212, 316, 931) with payment credentials that the digital wallet application lacked prior to the provisioning, the payment credentials being usable by the mobile device (112, 212, 316, 931) in conducting a contactless payment, the method being conducted at a provisioning system (140, 240, 340, 901) and comprising the steps of: receiving (402, 422, 704) payment credentials from a point of sale or ATM device (120, 222, 320, 920) in a financial transaction message, the payment credentials having been obtained by the point of sale or ATM device (120, 222, 320, 920) from a portable payment device (114, 214, 314, 905) through a contact or contactless communications interface of the point of sale or ATM device (120, 222, 320, 920) with the portable payment device (114, 214, 314, 905) being presented by a consumer at the point of sale or ATM device (120, 222, 320, 920); receiving (404, 424, 704), from the point of sale or ATM device (120, 222, 320, 920), an identifier entered by the consumer in the financial transaction message; identifying (406, 430, 705) a mobile device (112, 212, 316, 931) or a secure element in the mobile device (112, 212, 316, 931) corresponding to the identifier; and communicating (410, 432, 707) the payment credentials to the identified mobile device (112, 212, 316, 931) or the secure element in the mobile device (112, 212, 316, 931), causing the payment credentials to be securely stored in the secure element of the mobile device (112, 212, 316, 931), the secure element being one of the group of: a secure element provided in the mobile device (112, 212, 316, 931), a secure element embedded in a layer which sits between a communication component of the mobile device (112, 212, 316, 931) and a communication component interface of the mobile device (112, 212, 316, 931), and a secure element provided in a communication component of the mobile device (112, 212, 316, 931). receiving (402, 422, 704) payment credentials from a point of sale or ATM device (120, 222, 320, 920) in a financial transaction message, the payment credentials having been obtained by the point of sale or ATM device (120, 222, 320, 920) from a portable payment device (114, 214, 314, 905) through a contact or contactless communications interface of the point of sale or ATM device (120, 222, 320, 920) with the portable payment device (114, 214, 314, 905) being presented by a consumer at the point of sale or ATM device (120, 222, 320, 920); receiving (404, 424, 704), from the point of sale or ATM device (120, 222, 320, 920), an identifier entered by the consumer in the financial transaction message; identifying (406, 430, 705) a mobile device (112, 212, 316, 931) or a secure element in the mobile device (112, 212, 316, 931) corresponding to the identifier; and communicating (410, 432, 707) the payment credentials to the identified mobile device (112, 212, 316, 931) or the secure element in the mobile device (112, 212, 316, 931), causing the payment credentials to be securely stored in the secure element of the mobile device (112, 212, 316, 931), the secure element being one of the group of: a secure element provided in the mobile device (112, 212, 316, 931), a secure element embedded in a layer which sits between a communication component of the mobile device (112, 212, 316, 931) and a communication component interface of the mobile device (112, 212, 316, 931), and a secure element provided in a communication component of the mobile device (112, 212, 316, 931).