The industry’s largest transaction processing company in Europe

 

320+

financial institutions

126 M

cards under managements

9.6 BN

issuing processing transactions per year

11 BN

acquiring processing transactions per year

17 BN

payments transactions per year

 



Overview of services

Your customers want to be able to initiate payments in every context or channel. Our full issuing services portfolio gives you the flexibility to select switching and authorization solutions that are seamlessly aligned with your business model. And deal with any challenge you may encounter in your issuing strategy. At the same time, you can benefit from one of the most reliable payment clearing services to quickly settle all your accounts.

Issuing processing  |  Fraud Risk Management  |  Issuing Processing  |  Software Licensing
Reap the benefits from ultra-fast switching and our high-capacity network, reducing transaction times and increasing productivity. Our modular portfolio can be customized to optimally support your needs. What’s more, our reliable and secure acquiring solutions allow you to support all major debit and credit cards along with specialist third-party cards, including prepaid, loyalty, and petrol services.

Acquiring processing  |  Fraud Risk Management  |  ATM Management  |  Open Financial API Services  |   Payment Software Solutions
Let us guide you in today’s complex payments market. We help you to transform your existing infrastructure, and enable you to handle all kinds of payments for your customers, including Instant Payments. What’s more, we ensure compliance and also support other types of transactions such as e-payments, e-mandates, and e-identity. Rely on our fast clearing services, and benefit from economies of scale through our shared infrastructure. 

Instant Payments  |  Payments Processing Back-Office  |  Clearing & Settlement Services  |  Trusted Transactions  |  Open Banking  |  Payment & Liquidity Hub
Nowadays, banks need to provide the best customer experience through digital channels. We support banks, acquirers, and payment service providers in operationalizing e-commerce and m-commerce transactions in an omni-channel setting. Drawing upon a long-standing expertise in the banking industry and a strong track record of successful acquisitions, we aim to be a catalyst for innovation in the field of identity, authentication, customer experience and payments. We accelerate the industry’s digital transformation with robust and open solutions to foster customer engagement while ensuring high levels of security across touchpoints.

Identification and authentication  |  Customer Interactions  |  Open Banking  |  Payment Services  |  Trade Order Management and Financial Data Services

Why Worldline

Flexible and scalable 
 payment solutions

Rely on flexible and scalable payment solutions, based on the service model that fits your strategy and fulfils your customers’ needs. 

Expansion in Europe 
 and beyond

Increase your revenues and improve efficiency by expanding your market coverage in Europe and beyond, and broaden your portfolio with new products and services. 

Risk, fraud and 
 cybercrime control

Protect yourself and your customers against the increasing risk of fraud and cybercrime by improving the level of accuracy in identifying and preventing financial crime. 

Operational excellence

Reduce the complexity of your legacy infrastructure and ensure operational excellence while complying with increasingly demanding regulatory requirements. 

End-to-end solutions

Benefit from having a partner who covers the complete card and payment value chains, and who is leading the way in next-generation solutions. 

Increased efficiency

Lower your cost base and free up resources by adapting your operating model, and benefit from competitive pricing thanks to economies of scale.

Enhanced innovation and 
 improved time-to-market

Accelerate innovations and shorten your time-to-market in order to meet and exceed the expectations of your customers.

Dynamic deployment 
 mode

Benefit from our flexible deployment options: software licensing, hosting, operational processing of your application or full business process outsourcing (BPO) services. 

Covering the end-to-end card & payment value chains

As leading European payment service provider, Worldline combines long-standing proven expertise in traditional mass payment systems (issuing, acquiring, intra- and interbank payment processing) and innovative e-commerce and mobile payment solutions. We provide Europe’s most extensive end-to-end service portfolio both for payments and card transactions and offer cross-border availability of value-added services for banks, financial institutions and corporates. 
 


Client testimonials


“We chose Worldline for its capacity to process industrial-scale transaction volumes. We have started developing an innovative digital identity product with Worldline, which will be ready by middle of 2021. During the past 15 years, we have multiplied transactions and expanded our digital product variety together with Worldline thanks to our trusted partnership.”
David Ostah
Managing Director at PSA Payment Services Austria GmbH

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“When Boursorama clients wish to invest on the financial markets, their instructions must be transmitted via the Trading Centre solution (WL Trade Order Management). The aim is to provide them with a real-time view of their portfolio. Boursorama has been working with Worldline for 25 years, and the quality of the service received is what has convinced us to renew the trust that Boursorama has in Worldline.”
Laurent Védeilhié
Director of IT & CDO at Boursorama Banque

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“As a payment card issuer, BuyWay had to implement a solution to secure its customers' internet payments. This solution had to meet the technical standards specified by the supervisory authorities and, in particular, include a two-factor strong customer authentication solution. Together, we were able to design a technical solution that is perfectly integrated into the various systems and processes for authenticating and authorising transactions.”
Vincent Mercenier
Head of Compliance at BuyWay

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“The EPC has established the SPL scheme to facilitate European cross-border P2P payments. In this process, equensWorldline has been a reliable and innovative partner during the service implementation and participated actively in the continuous improvement of the service.”
Etienne Goosse
Director General of the EPC

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"We are pleased to partner with Worldline to offer continuously improved services to our customers. Worldline is a trusted partner with a solid track record that will support us in unifying and upgrading our ATM network. Luminor has entered a new stage in our development and working together with one of the world’s leading service providers will enable us to keep enhancing our customer experience."
Peter Bosek
CEO of Luminor

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"We are proud to be the first bank in Belgium to offer our customers this new and easy way of paying. It was a challenging project that could only be realised thanks to the good collaboration with equensWorldline, among others. Customers with a wearable can now pay for their purchases safely and conveniently in a very user-friendly and stylish way. Contactless payments have been on the rise since the corona crisis. Where previously one in five payments were made contactless, today we see that one in two customers pay contactless."
Ivo De Meersman
Director of Payments & Cards KBC Belgium

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"We are very pleased with the successful go live with Instant Payments. This is a big milestone for us and marks the end of big project. With Instant Payments we meet the increasing demand of our customers to be able to exchange money and process payment instanly, allowing for almost immediate transfer of money between bank accounts."
Sander Fronts
Director  LeasePlan Bank

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“For an outstanding customer experience, the purely digital and thus fast and user-friendly issuing and processing of our card products by equensWordline is an important building block. For example, customers will be able to use the digital version of their Visa debit card for mobile payment right after opening their current account. Additional services can be added flexibly for immediate use. Together with equensWordline, comdirect has succeeded in significantly increasing the user-friendliness of our mobile current account once again.”
Thore Ludwig
Managing Director Banking at comdirect

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“As a cooperative bank, Rabobank wants to contribute to the long-term growth of individuals, sectors and society as a whole. The reliable services of equensWorldline form a strong foundation for our work. This strategic cooperation supports us in further delivering on our mission.”
Nico Strauss
Tribe Lead B2B Services at Rabobank

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“In the twelve years of our cooperation, we have always been able to rely on a competent team and stable payment transaction processing at equensWorldline. With their expertise and deep understanding of our operational processes, equensWorldline allows us to focus on strategic issues and the expansion of our customer relationships. This was one of the determining factors for our decision to extend our partnership.”
Wolf-Rüdiger Braun
Head of Operations at LBBW


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“Due to our long-standing collaboration with equensWorldline we successfully implemented the PSD2 APIs and received the exemption from the fall-back mechanism. Being granted an exemption demonstrates the high level of quality and security of the solution provided by equensWorldline, which is a solid basis for innovation to explore further open banking capabilities.”
Mark Hakkenberg
Board member and Chief Operating Officer, Banque de Neuflize OBC


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“With Google Pay, we offer our customers a modern payment method that is simple, fast and secure. In doing so, it was important for us to integrate well-known services such as our banking app into the user experience. With equensWorldline, we have a long-standing, innovative and reliable partner at our side that is needed for such a complex project.”
Thorsten Reyer
Project Leader Mobile Payment at Commerzbank


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“We selected the Instant Payments Back-Office Processing service, because equensWorldline offers outstanding value for money, a fast time to market and has a track record in offering demanding and critical services". Next to the simple and transparent price structure, we value the modular and future-proof concept of services. With this flexibility we can focus on items where we really can make a difference to our clients.”
Terry Smit
Manager Payments & Savings at de Volksbank


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“Just like us, equensWorldline always puts the customer first. Important factors in our decision for this partner were the seamless continuation of transaction processing and the ability of equensWorldline to rapidly carry out bank-specific projects. Other criteria included its expertise in the card business, fast response times and flexible support.”
Željko Kaurin
ING-DiBa board member


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“We want to modernize our payments infrastructure in order to improve efficiency and be geared for the future developments in the payments industry. Based on its excellent track record, experience and readiness for Instant Payments, the choice for equensWorldline was evident. (…) We are pleased and proud that, by partnering with equensWorldline, we will be the frontrunner for the implementation of Instant Payments in the Caribbean.”
Mrs. Jeanette R. Semeleer
President of the Central Bank of Aruba


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“This project aims at strengthening our leadership position in cash management by offering our customers a modern, secure and instant payment method that will support the development of our innovative digital banking offerings. We chose the Worldline solution because of the relevance of its functional scope and of our successful experience using the Cristal platform.”
Rémi Tanon
Head of Innovation and Market Infrastructure Projects at BRED Banque Populaire


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“The developments surrounding Instant Payments are in line with our goal to modernize the infrastructure and stimulate economic development in Curaçao and St. Maarten. With the introduction of Instant Payments, we are preparing ourselves for future developments in the world of payments. We chose equensWorldline because of their experience and proven track record as the largest Instant Payments processor in the Eurozone."”
Leila Matroos
Executive Director at the CBCS


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