Worldline - Complete Company Profile

Worldline is a Finance company. Worldline is a global leader in the payments and transactional services industry, providing a range of services including payment processing, acquiring, issuing, and digital banking solutions to merchants, financial institutions, and individuals. Worldline offers 21 products: Financial Markets Solutions, Digital Currency Solutions, Digital Banking Solutions, Open Banking Solutions, Authentication & Security Solutions, Issuing Solutions, Account Payment Solutions, Acquiring Solutions, Account-to-Account Payments, Payment Terminals, Scan & Pay, Tap on Mobile, Merchant Acquiring, Payment Orchestration, In-store Payment Gateway, Online Payment Gateway, Cross-border Payment Solutions, Omnichannel Payment Solutions, Payments for Platforms, In-store Payment Solutions, Online Payment Solutions.

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Worldline

Worldline is a global leader in payments technology, providing a wide range of payment solutions for merchants and financial institutions. They offer services that include in-store, online, and omnichannel payment solutions, as well as financial services for banks and fintechs.

Worldline is a global leader in the payments and transactional services industry, providing a range of services including payment processing, acquiring, issuing, and digital banking solutions to merchants, financial institutions, and individuals.

"Innovate, grow, achieve more."

About Worldline

Worldline is a Finance company serving global markets. Worldline is a global leader in the payments and transactional services industry, providing a range of services including payment processing, acquiring, issuing, and digital banking solutions to merchants, financial institutions, and individuals.

Company Details

Niche

Finance

What Worldline Offers

21 products and services

Financial Markets Solutions

Worldline Financial Markets Solutions provides a global platform for trade order management and financial data services, supporting online financial services...

Global and open brokerage platform for all order types (equities, derivatives, OTC products, investment funds)
Aggregation of market data from all major global sources

Digital Currency Solutions

Worldline Digital Currency Solutions provides a powerful, fully transparent, closed-loop ecosystem for digital payments. It enables the creation and management...

End-to-end digital asset creation and management
Closed-loop payment ecosystem

Digital Banking Solutions

Transform your customer experience with our online banking services. Ensure a seamless experience across all of your channels, making your...

Conversational Platform: AI-powered, round-the-clock self-serve chatbot for customer support
Trusted Interactions: Secure, multi-channel client-advisor messaging solution

Open Banking Solutions

Powerful tools to easily turn financial data into value-added services. With connection to more than 3,500 European banks in 21...

Single open banking API connection to 3,500+ European banks in 21 countries
Account-to-Account Payments: direct payments from consumer bank accounts

Authentication & Security Solutions

All the tools you need to protect your data, identity, and transactions. Trust us to keep your operation safe, hassle-free...

Digital Identity: Trusted, compliant, and efficient transformation of natural identity into user accounts, ensuring user integrity.
Authentication Solutions: Innovative, compliant, and flexible authentication balancing user experience and security.

Issuing Solutions

Worldline Issuing Solutions (Card Issuing) is a comprehensive, modular, end-to-end card management and issuing platform for financial institutions and businesses....

Management of all card products: credit, debit, prepaid, virtual, and wallet cards
Support for GLOCAL schemes

Account Payment Solutions

Account Payment Solutions by Worldline is a suite of services for financial institutions, providing payment processing, clearing and settlement, advanced...

Payment processing for financial institutions
Clearing and settlement services

Acquiring Solutions

Smart acquiring processing for all channels and ATM Management. Worldline provides all necessary services to manage payments and complete transaction...

Complete portfolio of acquiring processing solutions (ATM, POS, eCommerce)
Multi-currency, multi-country, and multi-channel support

Account-to-Account Payments

Worldline Account-to-Account Payments enables merchants and financial institutions to accept payments directly from customers' bank accounts across online and mobile...

Bank Transfer by Worldline as an alternative payment method
Single, seamless payment flow for customers and merchants

Payment Terminals

Worldline offers a wide range of payment terminals designed to accept payments in more ways than ever, supporting seamless consumer...

Wide range of mobile and compact pin pads
Eye-catching contactless areas for self-checkout

Scan & Pay

Worldline Scan & Pay is a self-checkout service that enables customers to scan a QR code, add products to a...

QR code scanning at store entrance to launch the app
Product barcode scanning to add items to a digital cart

Tap on Mobile

Worldline Tap on Mobile enables merchants to accept contactless in-person payments directly on iPhone or Android devices, without the need...

Accepts Visa, Mastercard, Apple Pay, Google Pay, and other digital wallets
Contactless payment acceptance via NFC

Merchant Acquiring

Worldline Merchant Acquiring is a scalable, agnostic acquiring platform for merchants and partners of any size, enabling efficient, secure, and...

Merchant account provisioning
Payment authorisation and settlement

Payment Orchestration

Worldline Payment Orchestration streamlines global payment processes, bringing efficiency and simplicity to financial operations by managing and optimising payment flows...

Integration with 260+ payment providers.
Support for 170+ standard currencies and 20+ alternative currencies.

In-store Payment Gateway

Worldline In-Store Payment Gateway is an end-to-end, flexible in-store payment solution for merchants across Europe. It enables businesses to accept...

End-to-end in-store payment solution
Flexible acquiring: choose your acquiring partners

Online Payment Gateway

Worldline Online Payment Gateway is an all-in-one online payment solution designed to help businesses of all sizes strengthen their e-commerce...

Integration options from plug-and-play to advanced, vertical-specific systems
Customisable checkout pages

Cross-border Payment Solutions

Worldline's Cross-border Payment Solutions (Global Collect) enable merchants to accept online payments globally, offering customers their preferred payment methods in...

Global payment gateway with local payment options
Support for 150+ payment products

Omnichannel Payment Solutions

Worldline One Commerce is an omnichannel payment solution that unifies in-store and online payments into a seamless, tailored customer journey....

Support for local and international cards (Visa, Mastercard, etc.)
Alternative payment methods (Apple Pay, Google Pay, Alipay, WeChat Pay, private cards, etc.)

Payments for Platforms

Worldline for Platforms powered by OPP is a comprehensive payments solution designed for e-commerce marketplaces, platforms, and independent software vendors...

Plug-and-play white-labelled hosted payment pages
Drop-in payment solutions with minimal development

In-store Payment Solutions

Worldline In-Store Payments Full Service is a comprehensive solution for merchants to manage all aspects of in-person payments. It covers...

Terminal installation and maintenance
Acquiring and payment processing

Online Payment Solutions

Worldline's Online Payment Solutions enable businesses to accept digital payments securely through their websites or apps, offering unbeatable payments performance,...

Support for credit/debit cards, digital wallets (PayPal, Apple Pay, Google Pay), bank transfers, local payment methods (iDEAL, BLIK), and buy-now-pay-later solutions (Klarna)
AI-powered payment routing for optimal transaction approval and cost reduction

Company Information

Enriched company details and information

Innovate, grow, achieve more.

Description

Worldline is a global leader in payments technology, providing a wide range of payment solutions for merchants and financial institutions. They offer services that include in-store, online, and omnichannel payment solutions, as well as financial services for banks and fintechs.

What They Do

Worldline provides payment solutions and services for merchants and financial institutions, including in-store, online, and omnichannel payments, as well as card issuing and acquiring services.

Who They Serve

Worldline serves merchants of all sizes, financial institutions, and various industries including retail, travel, hospitality, and public sector.

Key Value Propositions

Global leader in payments technology
Comprehensive payment solutions
Innovative services for merchants and financial institutions

Target Customers

Merchants
Banks
Fintechs
Public Sector Organizations

Industries Served

Retail
Financial Services
Travel
Hospitality
Public Sector
Energy
Manufacturing
Digital Goods & Services

API Information

API Summary

Worldline offers a comprehensive API for developers to integrate payment solutions into their applications.

API Available
Yes
API Related URLs

Customer Logos

Etihad

Etihad

The Chocolate Line

The Chocolate Line

Homepage Full Text

Worldline is a global leader in payments technology. With the scale, expertise and technology to power your growth. Accept payments quickly, simply and securely with Worldline, and let our payment innovations grow your world.

Case Studies

Etihad enhances payment options for South Korean travellers

Customer: Etihad

Find out how Etihad improved payment experiences for South Korean travellers by integrating local payment methods and currencies, enhancing customer satisfaction.

View Case Study
The Chocolate Line’s Recipe for Success: Passion, Innovation & Seamless Payments

Customer: The Chocolate Line

Discover how The Chocolate Line enhances customer satisfaction and streamlines payments with Worldline’s Saturn 1000F2, offering a seamless experience for both business and customers.

View Case Study

Testimonials

"Worldline has transformed our payment processes, making them seamless and efficient."

John Doe - CEO, Retail Company

Products & Offerings

Detailed information about Worldline's products and services. Each offering is enriched with AI-powered insights to help you understand capabilities, features, and use cases.

Financial Markets Solutions

Financial Markets Solutions by Worldline offers a comprehensive suite for trade order management and financial data services. It includes a global, open brokerage platform for all order types (equities, derivatives, OTC products, investment funds) and aggregates market data from major global sources. The platform is designed to help financial institutions gain competitive advantage and market share through state-of-the-art trading facilities and data services.

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Product Overview

Worldline Financial Markets Solutions provides a global platform for trade order management and financial data services, supporting online financial services with advanced trading facilities, market data aggregation, and compliance-focused data management.

Detailed Description

Financial Markets Solutions by Worldline offers a comprehensive suite for trade order management and financial data services. It includes a global, open brokerage platform for all order types (equities, derivatives, OTC products, investment funds) and aggregates market data from major global sources. The platform is designed to help financial institutions gain competitive advantage and market share through state-of-the-art trading facilities and data services.

Key Features

  • Global and open brokerage platform for all order types (equities, derivatives, OTC products, investment funds)
  • Aggregation of market data from all major global sources
  • State-of-the-art trading facility (OMS) with access to all market data
  • Independent platform for Financial Data Services, integrating data from many providers including exotic contributors
  • Support for compliance, risk, and operations activities
  • Real-time monitoring and advanced searching via admin portals
  • Plug & Play architecture for easy integration with new partners, markets, and back-office applications
  • Easy access and smooth integration with Worldline’s catalog of digital offers
  • Build & Run model allowing clients to focus on business rather than technical aspects

Key Benefits

  • Covers the whole value chain of market data, electronic data management, and order management
  • Over 25 years of experience and millions of orders operated annually
  • Allows clients to focus on business, not technical aspects
  • Real-time monitoring and advanced search capabilities
  • Easy integration with new partners and back-office applications
  • Smooth integration with other Worldline digital offers
  • Accelerates innovation and shortens time-to-market
  • Trusted by leading European financial institutions
  • Guaranteed compliance and security with all applicable laws and industry standards
Documentation
View Documentation
Who Is It For
  • Financial institutions
  • Private banks
  • Online financial service providers
  • Wealth management industry
  • High-net-worth investors
  • Compliance, risk, and operations teams
Detailed Sections
Trade Order Management & Financial Data Services

Our Trade Order Management offers a global and open brokerage platform for all types of orders: equities, derivatives, OTC products, and investment funds. We also offer Worldline Stock Market Data that aggregates market data from all major global sources. These solutions can contribute to the success of your online financial services. Our state-of-the-art trading facility (OMS) provides you with access to all market data will help you gain competitive advantage and market share.

Enhance your data in control activities

Our independent, state-of-the-art platform of Financial Data Services, based on financial data from many data providers (including exotic data contributors), will help you in improving your day-to-day business in Compliance, Risk and Operations.

What sets us apart
  • Global offer covering the whole value chain of market data, electronic data management and order management.
  • Longstanding experience based on 25+ years and millions of orders operated every year.
  • Tried and true Build & Run model that let the client focus on the business, not on the technical aspects.
  • Real-time monitoring & advanced searching features with our comprehensive admin portals.
  • Plug & Play architecture to ease integration of new partners, markets and back-office applications.
  • Easy access & smooth integration with Worldline’s catalog of trusted digital offers.
Meeting the demands of a new generation of investors.

The wealth management industry is transforming as younger, tech-savvy clients demand self-service options and seamless digital experiences. In response, private banks are prioritizing digital transformation and significantly increasing technology investments to meet the expectations of this new generation of high-net-worth investors.

Our Financial Markets Solutions portfolio
  • Trade Order Management: Manage multi-asset orders from collection to market. Make online trading and order routing easy for investors in a secure and reliable way.
  • Stock Market Data: We connect to the main stock exchanges and data providers, to offer the collection, integration, processing, and distribution of market data to the applications and medium of your choice.
  • Financial Data Services: Deliver data to clients in an enhanced, secure and standardized way, and propose ready-to-use solutions for various regulatory purposes.
Why choose Worldline?
  • A customised approach: We offer both full-service, end-to-end solutions or a more tailored approach.
  • Improved time-to-market: Accelerate innovation and shorten your time to market to meet and exceed customer expectations.
  • We share your ambition: International growth, tapping into new trends, delighting customers, or growing revenue. We help you achieve your ambitions.
  • Fast, easy integration: Our products integrate into your existing payment platforms and hardware.
  • Trusted by big banks: Operating for over 4 decades, we work with many of Europe’s leading financial institutions.
  • Guaranteed compliance and security: As the leading European provider of payment and transactional services, trust is critical. We ensure compliance with all applicable laws, industry standards, rules and regulations.

Digital Currency Solutions

Worldline Digital Currency Solutions is an end-to-end platform for creating, managing, and operating digital currencies and assets. It supports the issuance of stablecoins, dematerialisation of loyalty programs and vouchers, and enables secure, real-time transactions within a closed-loop network. The solution is suitable for businesses, merchants, public sector entities, and event/tourism operators seeking to modernise payments, improve operational efficiency, and enhance customer loyalty.

Added

Product Overview

Worldline Digital Currency Solutions provides a powerful, fully transparent, closed-loop ecosystem for digital payments. It enables the creation and management of digital assets, including custom currencies, loyalty programs, vouchers, and more. The solution is designed to improve payment operations, strengthen supplier and customer relationships, and support both private and public sector use cases.

Detailed Description

Worldline Digital Currency Solutions is an end-to-end platform for creating, managing, and operating digital currencies and assets. It supports the issuance of stablecoins, dematerialisation of loyalty programs and vouchers, and enables secure, real-time transactions within a closed-loop network. The solution is suitable for businesses, merchants, public sector entities, and event/tourism operators seeking to modernise payments, improve operational efficiency, and enhance customer loyalty.

Key Features

  • End-to-end digital asset creation and management
  • Closed-loop payment ecosystem
  • Stablecoin support (pegged to fiat, gold, or commodities)
  • Loyalty program and voucher dematerialisation
  • Gift card management
  • Personalised rewards and discounts
  • Real-time transaction processing
  • Advanced security features
  • Real-time tracking for public sector aid
  • Integration with digital wallets

Key Benefits

  • Fast, affordable, and reliable digital payments
  • Full control over payment flows within a closed network
  • Supports loyalty programs, gift card management, and personalised discounts
  • Real-time, secure transactions
  • Improved operational efficiency and customer satisfaction
  • Streamlined and transparent government aid distribution
  • Enhanced customer experience in hospitality and events
  • Facilitates financial inclusion, especially in underbanked regions
Use Cases
  • Issuing and managing private digital currencies
  • Dematerialising loyalty programs and vouchers
  • Operating closed-loop payment systems for merchants
  • Distributing government aid securely and transparently
  • Enhancing customer experience in hotels and events
  • Boosting customer loyalty and spending through rewards
Documentation
View Documentation
Who Is It For
  • Merchants
  • Financial institutions
  • Public sector/government agencies
  • Event and tourism service providers
  • Businesses seeking to create their own digital currency or manage digital assets
  • Organisations aiming to modernise aid distribution
  • Enterprises looking to boost customer loyalty and engagement
Detailed Sections
Digital Currency

Improve your payment operations with a powerful, fully transparent, closed-loop ecosystem. Designed to meet all your digital currency needs, it also strengthens both supplier and customer relationships.

Opt for a digital payment system.

With our end-to-end Worldline Digital Currency solution, you can easily create and manage digital assets. Whether you're creating your own currency, dematerialising your loyalty programmes, vouchers, or any other type of asset, our solution takes care of everything.

Design a pioneering digital currency.

Worldline is exploring stablecoins for clients, leveraging peer-to-peer technology with value pegged to real-world assets like fiat currency, gold, and other commodities. This ensures intrinsic value and stability. Example: DaVinci Gold purchasing solution.

Optimise transactions and customer loyalty.

Closed-loop solution gives merchants full control over payment flows, supports loyalty programmes and gift card management, enables personalised discounts and loyalty points, and processes secure transactions in real-time.

Modernising government aid distribution.

Advanced security features and real-time tracking streamline public sector aid distribution, reduce administrative burdens, and boost beneficiary confidence.

Simplify payments in your hotels or at your events

Offer your own digital currency for seamless customer experience, personalised rewards, and optimised processes from booking to invoicing.

Customer testimonials

PayFoot platform uses Worldline's private blockchain for secure, fast, and cost-efficient payments, promoting financial inclusion.

  • Revolutionising global football fan community engagement
  • Promotes financial inclusion in underbanked regions
  • Private blockchain infrastructure for security and efficiency
Online payments made simple.

Clients can easily use digital wallets for simple digital payments and a wide range of benefits.

Demystifying the rise and potential of Central Bank Digital Currency with our experts

White paper provides insights and guidance for navigating the CBDC landscape.

Further resources
  • CBDC: The Digital Future of Money
  • Unlocking financial inclusion: Transition to digital payments
  • The Digital Euro project: Fostering innovation in a digital age
Why choose Worldline?

Guaranteed compliance and security, delivery innovations in payments, and improved time-to-market.

  • Guaranteed compliance and security
  • Delivery innovations in payments
  • Improved time-to-market

Digital Banking Solutions

Worldline Digital Banking Solutions is a suite of online banking services designed to optimise banking operations, enhance customer experience, and enable seamless, secure, and personalised banking across all channels. The platform leverages AI to personalise customer journeys, improve advisor efficiency, and reduce operational costs for financial institutions.

Added

Product Overview

Transform your customer experience with our online banking services. Ensure a seamless experience across all of your channels, making your bank more accessible and responsive than ever before.

Detailed Description

Worldline Digital Banking Solutions is a suite of online banking services designed to optimise banking operations, enhance customer experience, and enable seamless, secure, and personalised banking across all channels. The platform leverages AI to personalise customer journeys, improve advisor efficiency, and reduce operational costs for financial institutions.

Key Features

  • Conversational Platform: AI-powered, round-the-clock self-serve chatbot for customer support
  • Trusted Interactions: Secure, multi-channel client-advisor messaging solution
  • Mobile Banking: Banking app for any device and platform (iOS, Android, Responsive Web)
  • CX Suite: Cloud-based omnichannel contact centre platform with AI, centralising calls, messages, and data
  • Personalised workflows and automated experiences
  • Digital tools for portfolio management and business financial management

Key Benefits

  • Highly personalised customer experience through AI
  • Improved efficiency for bank advisors
  • Reduced operational costs
  • 24/7 self-service and digital access for customers
  • Real-time financial insights and decision-making tools for businesses
  • Seamless integration with existing payment platforms and hardware
  • Accelerated innovation and improved time-to-market
  • Guaranteed compliance and security
Use Cases
  • {"segment":"Retail banking","description":"Elevate customer experience at every touchpoint with AI. Enable seamless account opening, day-to-day management, and self-service transactions, with AI-enhanced advisor support."}
  • {"segment":"Private banking","description":"Provide clients with digital access to investment portfolios and personalised advice from expert advisors, supported by AI."}
  • {"segment":"SME, professional and corporate banking","description":"Offer digital tools for real-time financial insights, business management, financing, and cash flow management for SMEs and corporates."}
Documentation
View Documentation
Who Is It For
  • Retail banks
  • Private banks
  • Corporate banks
  • Small and medium-sized enterprises (SMEs)
  • Financial institutions seeking digital transformation
Detailed Sections
Digital Banking Solutions

Transform your customer experience with our online banking services. Ensure a seamless experience across all of your channels, making your bank more accessible and responsive than ever before.

Solutions to bring best-in-class banking experience

Optimise your banking services by easily and transparently deploying AI within your financial institution. By doing so, you can ensure a highly personalised customer experience, improve the efficiency of your advisors and reduce operational costs. Let's build the bank of tomorrow together.

  • Retail banking: Seamless journey from account opening to day-to-day management, 24/7 access, self-service, AI-enhanced advisor support.
  • Private banking: Personalised support from expert advisors, AI-supported, digital access to investment portfolios.
  • Corporate banking: Tailored solutions for SMEs, real-time insights, decision-making tools, cash flow management.
Explore our full range of Digital Banking solutions
  • Conversational Platform: AI chatbot for 24/7 customer support.
  • Trusted Interactions: Secure, multi-channel client-advisor messaging.
  • Mobile Banking: App for any device/platform.
  • CX Suite: Cloud-based omnichannel contact centre with AI.
A customer-centric banking experience reimagined for you.

Improve your clients' investment experience by going digital. Our eBook shows you how to take full advantage of digital technology to strengthen your relationship with your clients. Find out how you can offer your clients a hybrid experience that combines personalised advice with digital simplicity to optimise their investment decisions.

User cases
  • Retail banking: Elevate customer experience at every touchpoint with AI.
  • Private banking: Get a clear view of your portfolio's performance, anytime.
  • SME, professional and corporate banking: Digital tools to improve your company's financial management.
Why choose Worldline?
  • We help you build customer relationships and grow revenue.
  • Guaranteed compliance and security.
  • We share your ambition for international growth and innovation.
  • Fast, easy integration.
  • Trusted by big banks.
  • Improved time-to-market.

Open Banking Solutions

Worldline Open Banking Solutions provides a suite of API-based tools and services that enable financial institutions, insurers, PSPs, lenders, retailers, and corporates to access, process, and leverage financial data for new digital services, regulatory compliance, and payment innovation.

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Product Overview

Powerful tools to easily turn financial data into value-added services. With connection to more than 3,500 European banks in 21 countries, Worldline Open Banking Solutions helps businesses unlock the potential of Open Banking and advance through a single open banking API.

Detailed Description

Worldline Open Banking Solutions provides a suite of API-based tools and services that enable financial institutions, insurers, PSPs, lenders, retailers, and corporates to access, process, and leverage financial data for new digital services, regulatory compliance, and payment innovation.

Key Features

  • Single open banking API connection to 3,500+ European banks in 21 countries
  • Account-to-Account Payments: direct payments from consumer bank accounts
  • Verification of Payee: beneficiary name and IBAN matching for compliance
  • Credit Insight: faster, more accurate credit checks using open banking data
  • Account Insights: real-time bank account validation and information access
  • Recurring Payments: SEPA Direct Debit-based recurring payment solution
  • Bank Connect: Open Banking PSD2 platform for innovative services
  • PSD2 Compliance Services: tools to comply with PSD2 and leverage the API economy
  • Bill Pay & Match: white-labeled e-invoicing and VAT e-reporting platform

Key Benefits

  • Create new revenue streams with value-added services
  • Guaranteed compliance and security with all applicable laws and industry standards
  • Accelerate innovation and shorten time-to-market
  • Simplicity: one point of contact, one platform, one reporting system
  • Delivery of innovations in payments, including digital currencies and new payment methods
  • Trusted by major European banks
Use Cases
  • Banks: Regulatory change analysis, new revenue streams, TPP enablement
  • Insurance companies: Faster, secure, customized services via API
  • PSPs: Easier EU regulatory compliance, account servicing, payment initiation
  • Lenders: Faster income and affordability checks for applicants
  • Retailers: Offer account-to-account payments, lower payment fees, become PISP
  • Corporates: Aggregate payment data, improve cash/liquidity management, e-invoicing, VAT e-reporting compliance
Documentation
View Documentation
Who Is It For
  • Banks
  • Insurance companies
  • Payment Service Providers (PSPs)
  • Lenders
  • Retailers
  • Corporates
Detailed Sections
Open Banking Solutions

Powerful tools to easily turn financial data into value-added services.

Solutions for your sector

With connection to more than 3,500 European banks in 21 countries, we help you to unlock the potential of Open Banking and advance your business through a single open banking API. Discover how we empower our many different customer types.

  • Banks: Analyse and implement regulatory changes. Develop new revenue streams by monetising data, developing new services or becoming a third-party provider (TPP).
  • Insurance companies: Deliver a faster and more secure customised service while accessing financial information with our simple API-based, plug-and-play solution driven by an Open Banking platform.
  • Payment Service Providers (PSPs): Easier compliance with EU regulations. Become an authorised PSP and you can provide account servicing or payment initiating roles for others.
  • Lenders: Cut the time it takes to give applicants an answer by using available data to carry out income and affordability checks.
  • Retailers: Offer exciting new digital payment options such as account-to-account payments and lower payment fees by becoming a Payment Initiation Service Provider (PISP).
  • Corporates: Aggregate payment data to improve services such as cash and liquidity management by using Payment Initiation Services (PIS), Account Information Service (AIS) and instant payments. Turnkey solutions for e-invoicing and VAT e-reporting mandates in Europe and cash management optimisation.
Our open banking portfolio

A suite of open banking products including Account-to-Account Payments, Verification of Payee, Credit Insight, Account Insights, Recurring Payments, Bank Connect, PSD2 Compliance Services, and Bill Pay & Match.

  • Account-to-Account Payments: Direct payments from consumer bank accounts.
  • Verification of Payee: Beneficiary name and IBAN matching.
  • Credit Insight: Faster, more accurate credit checks.
  • Account Insights: Real-time account validation and information.
  • Recurring Payments: SEPA Direct Debit-based recurring payments.
  • Bank Connect: Open Banking PSD2 platform.
  • PSD2 Compliance Services: Compliance and API economy enablement.
  • Bill Pay & Match: E-invoicing and VAT e-reporting platform.
Start building with Worldline Open Banking APIs

Ready to create the most delightful and innovative experience for your customers?

Why choose Worldline?
  • New revenues and value-added services
  • Guaranteed compliance and security
  • Improved time-to-market
  • Simplicity: one point of contact, one platform, one reporting system
  • Delivery innovations in payments
  • Trusted by big banks

Authentication & Security Solutions

Worldline's Authentication & Security Solutions provide a comprehensive portfolio of security offerings for financial institutions, covering data protection, digital identity security, authentication, and fraud management. The solutions are designed to ensure the protection of valuable data and financial transactions, delivering a seamless and secure experience.

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Product Overview

All the tools you need to protect your data, identity, and transactions. Trust us to keep your operation safe, hassle-free and fully compliant.

Detailed Description

Worldline's Authentication & Security Solutions provide a comprehensive portfolio of security offerings for financial institutions, covering data protection, digital identity security, authentication, and fraud management. The solutions are designed to ensure the protection of valuable data and financial transactions, delivering a seamless and secure experience.

Key Features

  • Digital Identity: Trusted, compliant, and efficient transformation of natural identity into user accounts, ensuring user integrity.
  • Authentication Solutions: Innovative, compliant, and flexible authentication balancing user experience and security.
  • Payment Fraud Management: Acquiring and issuing fraud management using AI, machine learning, and expert knowledge for detection and prevention.
  • Sensitive Data Protection: Secures banking and personal data, ensuring compliance with security regulations.
  • ADYTON Hardware Security Module: Acts as a secure vault for sensitive payment data, protecting against unauthorized access and ensuring transaction integrity.

Key Benefits

  • Complete protection for data, identity, and transactions
  • Guaranteed compliance with all applicable laws, industry standards, rules, and regulations
  • Fraud and risk control using artificial intelligence and machine learning
  • Trusted by leading European financial institutions
  • Fast and easy integration with existing payment platforms and hardware
  • Scalable to process high transaction volumes
Documentation
View Documentation
Who Is It For
  • Financial institutions
  • Banks
  • Insurance companies
  • Fintechs
  • Regulators
Detailed Sections
Authentication & Security Solutions

All the tools you need to protect your data, identity, and transactions. Trust us to keep your operation safe, hassle-free and fully compliant.

Complete protection for financial institutions.

Discover our complete portfolio of security solutions designed for financial institutions. We've got you covered from every angle, including data protection, digital identity security, authentication solutions, and fraud management.

Our authentication and security portfolio
  • Digital Identity: Trusted, compliant and efficient way to transform the natural identity of a user into their user account within seconds and unambiguously.
  • Authentication Solutions: Innovative, compliant and flexible solutions that offer the right balance between user experience and security.
  • Payment Fraud Management: Acquiring and issuing payment fraud management solution that combines Artificial Intelligence (AI), machine learning and expert knowledge for fraud detection and prevention.
  • Sensitive Data Protection: Making sure your banking and personal data are totally secured. Provides protection for banks, sensitive and personal data and compliance with the security regulations in force.
  • ADYTON Hardware Security Module: Acts as a secure vault for sensitive payment data, protecting it from unauthorized access and ensuring the integrity and security of every transaction.
Guaranteed security at each stage of your digitalisation journey.

Contact our experts and learn how our solutions can be adapted to your needs.

Why choose Worldline?
  • Industry expertise: Specialist knowledge and solutions across a huge range of industries.
  • Scalability: Processes over 20.6 billion account payments transactions each year.
  • Guaranteed compliance and security: Ensures compliance with all applicable laws, industry standards, rules and regulations.
  • Fraud and risk control: Improves accuracy in identifying and preventing financial crime with AI and machine learning.
  • Trusted by big banks: Over 4 decades of operation with many of Europe’s leading financial institutions.
  • Fast, easy integration: Products integrate into existing payment platforms and hardware.
Supporting Resources
📚
Developers portalDocumentation
Support portalHelp Center

Issuing Solutions

Worldline Card Issuing is a modular card management product with a full scope of issuing services, supporting credit, debit, prepaid, virtual, and wallet cards. It is designed for neobanks, fintechs, large issuers, and corporates, offering tailored solutions and value-added services to meet diverse card issuing needs.

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Product Overview

Worldline Issuing Solutions (Card Issuing) is a comprehensive, modular, end-to-end card management and issuing platform for financial institutions and businesses. It covers all aspects of card issuing, from program launch to migration, with a range of customisable offers and value-added services. The solution is designed to facilitate innovation, scale with business needs, comply with local and global schemes, and leverage open API and cloud architecture.

Detailed Description

Worldline Card Issuing is a modular card management product with a full scope of issuing services, supporting credit, debit, prepaid, virtual, and wallet cards. It is designed for neobanks, fintechs, large issuers, and corporates, offering tailored solutions and value-added services to meet diverse card issuing needs.

Key Features

  • Management of all card products: credit, debit, prepaid, virtual, and wallet cards
  • Support for GLOCAL schemes
  • Dispute and payback management
  • Core services: ACS (Access Control Server), fraud customer care, etc.
  • Full outsourced end-to-end issuing processing (for @Scale offer)
  • Budget and spending management per team (for Commercial offer)
  • Expense management and invoice payment automation (for Commercial offer)
  • Export to accounting tools (for Commercial offer)
  • API-based integration and plug-and-play services (for Card as a Service and Cloud offer)
  • Payment fraud management using AI and machine learning

Key Benefits

  • All-in-one end-to-end card issuing solution
  • Highly customisable and modular offers
  • Accelerated time-to-market
  • Compliance with local and global schemes
  • Open API and cloud-based architecture
  • Seamless migration with zero impact on customer experience
  • Ability to integrate third-party services
  • Transparent and attractive pricing (for Essential offer)
  • Optimised Total Cost of Ownership (TCO) for large issuers
  • Enhanced customer experience for business and corporate clients
Documentation
View Documentation
Who Is It For
  • Neobanks
  • Fintechs
  • Large card issuers
  • SMEs
  • Corporates
  • Financial institutions
Requirements
  • Completion of contact form with company and country details
  • Agreement to Worldline's terms of use and privacy policy
Detailed Sections
Card Issuing

A comprehensive all in one product that covers everything a card issuer would need now and later.

  • All-in-one end-to-end card issuing solution
  • Facilitates innovation and customer experience renewal
  • Scalable for business growth
  • Complies with local and global schemes
  • Open API and cloud-based technology
  • Secures migration with zero customer impact
Worldline Essential Card Issuing

Standard card issuing service for Neobanks and Fintechs. Everything needed to launch a card issuing program with transparent pricing and modular options.

  • Short time to market
  • Modular feature selection
  • Ease of serving end customers
Worldline @Scale Card Issuing

Fully outsource your card issuing legacy system into a modern, highly configurable solution. Ideal for large issuers, optimising TCO and supporting digital journeys.

  • Cloud strategy and scalable solutions
  • Proven migration know-how
Worldline Commercial Card Issuing

Enhanced experience for business and corporate customers, with features for SME & corporates: budget management, expense management, invoice payments, and financial reporting.

  • All Essential features
  • Budget and team expenditure management
  • Expense management
  • Automated invoice payments
  • Financial report exports
Worldline Card as a Service and Cloud

Externalise card issuing on your own terms with a highly customisable and flexible product. Ensures uninterrupted processes during migration and access to innovative solutions.

  • On-premise or cloud deployment
  • API-based plug-and-play integration
  • Secure migration
Payment Fraud Management

Issuing payment fraud management solution combining AI, machine learning, and expert knowledge for fraud detection and prevention.

Account Payment Solutions

Account Payment Solutions is a comprehensive platform for financial institutions to process all types of payments, manage liquidity, and ensure efficient clearing and settlement. It supports real-time, 24/7 processing for bank back-offices, enabling instant availability of funds and reconciliation information. The solution is designed to be cost-efficient, scalable, and compliant with stringent regulatory requirements.

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Product Overview

Account Payment Solutions by Worldline is a suite of services for financial institutions, providing payment processing, clearing and settlement, advanced liquidity management, and connectivity services. The offering leverages leading technology, including robotics, machine learning, and AI, to deliver instant payments and digital transactions with real-time 24/7 processing, low total cost of ownership, and compliance with local and European regulations.

Detailed Description

Account Payment Solutions is a comprehensive platform for financial institutions to process all types of payments, manage liquidity, and ensure efficient clearing and settlement. It supports real-time, 24/7 processing for bank back-offices, enabling instant availability of funds and reconciliation information. The solution is designed to be cost-efficient, scalable, and compliant with stringent regulatory requirements.

Key Features

  • Payment processing for financial institutions
  • Clearing and settlement services
  • Advanced liquidity management for treasury departments
  • Connectivity services including SWIFT network access
  • Verification of Payee for compliance with Instant Payment & Payment Services Regulation
  • Centralised, high-capacity processing
  • Exception processing capabilities
  • Fully managed SWIFT Service Bureau compliant with SWIFT CSP security standards

Key Benefits

  • Real-time 24/7 payment processing
  • Instant availability of funds and reconciliation information
  • Centralised services processing over 20.6 billion transactions annually
  • Low total cost of ownership through shared value-added services and economies of scale
  • Compliance with local and European regulations
  • Regular audits for security and compliance
  • Access to the latest payment technology (robotics, machine learning, AI)
  • Cost savings and operational efficiency
Documentation
View Documentation
Who Is It For
  • Financial institutions
  • Banks
  • Treasury departments
Detailed Sections
Solutions for all payment types

Industry-leading suite of services for payment processing, clearing and settlement, advanced liquidity management, and connectivity services. Constant innovation with robotics, machine learning, and AI. Real-time 24/7 processing for instant fund availability and reconciliation. Centralised services for cost control.

  • Payment processing for financial institutions
  • Clearing and settlement
  • Advanced liquidity management
  • Connectivity services
Our account payments portfolio

A range of modular solutions including Payments Back-Office Processing, Clearing & Settlement, Swift Service Bureau, Payment & Liquidity Management, and Verification of Payee.

  • Payments Back-Office Processing
  • Clearing & Settlement
  • Swift Service Bureau
  • Payment & Liquidity Management
  • Verification of Payee
Why choose Worldline?

Worldline brings over 4 decades of industry expertise, works with leading European financial institutions, and offers a global, cost-efficient platform. Regular audits ensure security and compliance with the latest regulations.

  • Over 4 decades of industry expertise
  • Works with many of Europe’s leading financial institutions
  • Fully compliant with local and European regulations
  • Regular audits for security and compliance
  • Global platform for scale and cost efficiency

Acquiring Solutions

Worldline Acquiring Solutions offers industry-leading transaction processing for banks and financial institutions, covering ATM acquiring, POS acquiring, and eCommerce acquiring services. The solutions are multi-currency, multi-country, and multi-channel, designed to reduce payment complexity and keep up with compliance changes.

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Product Overview

Smart acquiring processing for all channels and ATM Management. Worldline provides all necessary services to manage payments and complete transaction processing for a wide range of cards, products and brands across all payment channels and in a multitude of currencies.

Detailed Description

Worldline Acquiring Solutions offers industry-leading transaction processing for banks and financial institutions, covering ATM acquiring, POS acquiring, and eCommerce acquiring services. The solutions are multi-currency, multi-country, and multi-channel, designed to reduce payment complexity and keep up with compliance changes.

Key Features

  • Complete portfolio of acquiring processing solutions (ATM, POS, eCommerce)
  • Multi-currency, multi-country, and multi-channel support
  • High-capacity network with excellent switching speed for reduced transaction times
  • End-to-end ATM management (processing, infrastructure, maintenance)
  • Mobility authorisation for payment convenience in mobility/EV charging contexts
  • Industry-leading compliance and security standards
  • One point of contact, one platform, one reporting system
  • Innovative solutions that adapt to new payment trends (digital currencies, self-service, etc.)

Key Benefits

  • Manages billions of transactions each year
  • Reduces transaction times and payment complexity
  • Ensures compliance with all applicable laws, industry standards, rules, and regulations
  • Helps build customer relationships and grow revenue with a choice of payment methods and seamless experience
  • Trusted by many of Europe’s leading financial institutions
  • Expert guidance in a constantly changing regulatory environment
Documentation
View Documentation
Who Is It For
  • Banks
  • Financial institutions
Detailed Sections
Acquiring Solutions

Smart acquiring processing for all channels and ATM Management.

Solutions for all channels

We provide all necessary services to manage payments and complete transaction processing for a wide range of cards, products and brands across all payment channels and in a multitude of currencies.

  • Industry-leading transaction processing solutions that manage billions of transactions each year.
  • High-capacity network with excellent switching speed which reduces transaction times.
  • Innovative solutions reduce complexity and keep up with compliance changes.
Our acquiring portfolio
  • Acquiring Processing: Complete portfolio of acquiring processing solutions for banks and financial institutions: ATM acquiring, POS acquiring and eCommerce acquiring services. Multi-currency, country and channel.
  • ATM Management: End-to-end solution for ATM processing, infrastructure and maintenance.
  • Mobility Authorisation: Future proof, scalable service for payment authorisation.
Why choose Worldline?
  • Guaranteed compliance and security
  • Help you build customer relationships and grow revenue
  • Simplicity: one point of contact, one platform, one reporting system
  • Delivery innovations in payments
  • Trusted: operating for over 4 decades with leading European financial institutions
  • Expert guide in compliance and security
Supporting Resources

Account-to-Account Payments

Account-to-Account Payments by Worldline is a payment solution that allows customers to pay directly from their bank accounts, bypassing the need for cards or mobile wallets. It uses secure API connections to facilitate electronic transfers between bank accounts, supporting online, in-app, pay-by-link, and cross-border transactions. The solution is designed for easy integration and provides a streamlined checkout experience.

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Product Overview

Worldline Account-to-Account Payments enables merchants and financial institutions to accept payments directly from customers' bank accounts across online and mobile channels. It leverages Open Banking APIs to securely transfer funds, offering a fast, secure, and frictionless payment experience without the need for cards or wallets.

Detailed Description

Account-to-Account Payments by Worldline is a payment solution that allows customers to pay directly from their bank accounts, bypassing the need for cards or mobile wallets. It uses secure API connections to facilitate electronic transfers between bank accounts, supporting online, in-app, pay-by-link, and cross-border transactions. The solution is designed for easy integration and provides a streamlined checkout experience.

Key Features

  • Bank Transfer by Worldline as an alternative payment method
  • Single, seamless payment flow for customers and merchants
  • Web-to-app and browser-based payment options
  • End-to-end payment functionalities: settlement, reporting, reconciliation
  • Single API connection for financial institutions
  • Mandatory Strong Customer Authentication (SCA) support
  • Mobile-friendly and cross-device compatibility

Key Benefits

  • Faster payments and quicker checkout experience
  • Secure payment method leveraging Open Banking
  • Higher conversion rates and better user experience
  • Lower costs and reduced fraud risk
  • Easier reconciliation and consolidated reporting
  • Comprehensive reach to many banks (3,500+ connected banks)
  • Coverage in 14+ European countries
  • Seamless integration with existing Worldline online payment solutions
How It Works
1.Customer selects Account-to-Account Payment at checkout.
2.Customer is securely connected to their bank via API.
3.Funds are transferred electronically from the customer's bank account to the merchant's account.
4.Payment is confirmed and reconciled through Worldline's platform.
Documentation
View Documentation
Who Is It For
  • Merchants (all sizes, online and mobile commerce)
  • Financial institutions (PSPs and Acquirers) seeking to enhance their payment portfolios
Requirements
  • Customer must have a bank account.
  • For merchants: integration with Worldline's payment solutions.
  • For financial institutions: API integration with Worldline.
Detailed Sections
What are Account-to-Account Payments?

Worldline Account-to-Account Payments is a new way for customers to pay. Instead of needing a mobile wallet or physical card, customers only need a bank account to make a payment. It works by securely connecting to banks using APIs to transfer money electronically from one bank account to another. Whether your customers are online, in-app, through pay-by-link, or cross-border, it can be easily integrated into your existing services. A quicker checkout experience and faster payments for you.

For Merchants

Maximize your business potential with a flexible and secure payment solution. As customers increasingly use digital banking, offering them a secure payment method guarantees better conversion for you and easier payments for them. Worldline Account-to-Account Payments does just that. Using the power of Open Banking, we’ve created a secure way for merchants to accept account-to-account payments which sits amongst traditional cards and e-wallets. With our end-to-end service, we’re all about simplicity. Discover the benefits of this secure payment method today.

Making payments effortless with Bank Transfer by Worldline

Offer your customers the new alternative payment method Bank Transfer by Worldline as part of Worldline Account-to-Account Payments. Bank Transfer by Worldline simplifies these payments by providing a single, seamless payment flow for both you and your customers. With just a bank account, customers can easily pay through a web-to-app connection or directly in their browser, reducing friction at checkout. If you're already using Worldline’s online payment solutions, you can enable this new payment method within your existing setup and keep all end-to-end payment functionalities like settlement, reporting, and reconciliation.

  • New payment method for your customers
  • One single pay flow
  • One consolidated reconciliation
  • One streamlined experience
For Financial Institutions

Worldline supports financial institutions (PSPs and Acquirers) in enhancing their payment portfolio with these new Payment Initiation Services to offer A2A payments to their customers. We offer comprehensive reach to many banks, provide a single API connection to send the payment request to the payer’s bank and facilitate the mandatory Strong Customer Authentication (SCA). Account-to-Account payments offer seamless, secure, and lightning-fast transactions, with the added convenience of mobile usage, making it the ideal choice for PSPs looking to enhance their portfolio.

  • Comprehensive reach to many banks
  • Better user experience
  • Higher conversion rates
  • Easier reconciliation
  • Lower costs
  • Reduced fraud
Secure & Extensive Coverage

Working with merchants and financial institutions globally, we've got you and your European Bank Account Holders covered.

  • 14+ countries
  • 3,500 connected banks
Try it for yourself

Take the opportunity to support a noble cause and test out how Bank Transfer by Worldline works for your customers. Try it on any device, mobile, tablet, or desktop. For those with a smartphone nearby, scan the QR code.

Explore our API & Documentation

Simply explore our comprehensive documentation and see how you can integrate our Account-to-Account Payments method “Bank Transfer by Worldline” into your payment solutions. For Financial Institutions, start building with Worldline Open Banking APIs.

Supporting Resources

Payment Terminals

Worldline Payment Terminals provide businesses with a comprehensive selection of devices to accept in-person payments. These terminals are designed for performance, security, and reliability, and support a variety of use cases including multi-lane checkouts, pay-at-table, self-service, and mobile payments. Value-added services such as loyalty programs, customer surveys, and dynamic currency conversion can be delivered directly on the terminal.

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Product Overview

Worldline offers a wide range of payment terminals designed to accept payments in more ways than ever, supporting seamless consumer journeys and customer loyalty. The terminals are suitable for businesses of all sizes and types, from international retail operations to small snack bars, and are built to deliver quick, simple, and convenient payment experiences.

Detailed Description

Worldline Payment Terminals provide businesses with a comprehensive selection of devices to accept in-person payments. These terminals are designed for performance, security, and reliability, and support a variety of use cases including multi-lane checkouts, pay-at-table, self-service, and mobile payments. Value-added services such as loyalty programs, customer surveys, and dynamic currency conversion can be delivered directly on the terminal.

Key Features

  • Wide range of mobile and compact pin pads
  • Eye-catching contactless areas for self-checkout
  • Acceptance of local and international payment schemes
  • Large set of value-added services available directly on terminals
  • Rugged, hardwearing, and future-proof design
  • Ergonomic features such as bright, enhanced contactless areas
  • Multiple network connectivity options
  • Integration support from local teams
  • Customisation options for business-specific needs

Key Benefits

  • Quicker and simpler ways to pay for customers
  • Shorter, faster moving queues
  • More engaging customer experiences
  • Support for local and international payment schemes
  • Customisable terminals with a large range of accessories and services
  • Value-added services to enrich customer experience and data
  • Full life-cycle support and care plan for terminal fleet
  • Highly secure and compliant with latest security standards
Documentation
View Documentation
Who Is It For
  • International retail operations
  • Small businesses (e.g., snack bars)
  • Restaurants (pay at table)
  • Self-service businesses (vending, parking, autonomous stores)
  • Merchants seeking mobile or compact payment solutions
Requirements
  • Business must provide contact details and company information to get started (via contact form).
  • Available in a wide range of countries (see geographies_served).
Detailed Sections
Impress when it matters the most

A customer at checkout is the most important touch point. The right payment terminal can impress with quicker and simpler ways to pay, value-added services, and ensure shorter, faster moving queues.

  • Boost performance and make sales easy
  • Facilitate self-checkout with eye-catching contactless area
  • Accept local and international schemes
  • Wide range of mobile and compact pin pads for faster transactions
  • Large set of value-added services directly available on terminals
  • Full life-cycle management of terminal fleet
Payment terminals for seamless consumer journeys and customer loyalty

Terminals support businesses of all sizes to deliver more from their payment solutions. Value-added services like loyalty, surveys, and DCC enrich customer experiences. Terminals can be customised for specific business needs.

Payment terminals for all use cases

Terminals are rugged, hardwearing, and future-proof, designed for years of dependable use. Supported by a care plan and local merchant support. Highly secure and compliant with latest standards.

  • Performance, security and reliability at checkout
  • Ergonomic features for efficient points of sale
  • Multiple ways to pay and network connectivity
  • Integration support from local teams
Going beyond payments with value-added services

Terminals can deliver loyalty programmes, surveys, and charity donations directly, making them a crucial customer touchpoint and enriching customer data.

A mobile-POS solution for every customer journey

Mobile payment terminals offer flexibility for new customer journeys, including queue busting, payment at the door, deliveries, and kerbside pick-ups. Android devices can be turned into payment terminals.

Smart Self series

Self series terminals are fast and easy to integrate for all unattended use cases, accepting any payment method. All-in-one version includes a camera for QR scanning. Suitable for vending machines, autonomous stores, kerbside locations, and cashless charity donations.

Why choose Worldline?

Worldline guarantees compliance and security, shares your ambition for growth, and brings industry expertise to advise on the best solutions.

  • Guaranteed compliance and security
  • Support for international growth and new trends
  • Specialist knowledge across a wide range of industries

Scan & Pay

Scan & Pay is a self-checkout service for retailers that allows customers to scan a QR code at the store entrance, add products to a digital cart by scanning barcodes, and pay using their smartphone or at a payment terminal. The service is designed to reduce queues, improve customer satisfaction, and increase sales and loyalty. It integrates with existing payment systems, requires no new hardware, and can be deployed in a few weeks.

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Product Overview

Worldline Scan & Pay is a self-checkout service that enables customers to scan a QR code, add products to a digital cart, and pay via smartphone, eliminating queues and improving customer satisfaction. The solution is designed to boost revenue and customer loyalty by providing a fast, contactless, and convenient shopping experience.

Detailed Description

Scan & Pay is a self-checkout service for retailers that allows customers to scan a QR code at the store entrance, add products to a digital cart by scanning barcodes, and pay using their smartphone or at a payment terminal. The service is designed to reduce queues, improve customer satisfaction, and increase sales and loyalty. It integrates with existing payment systems, requires no new hardware, and can be deployed in a few weeks.

Key Features

  • QR code scanning at store entrance to launch the app
  • Product barcode scanning to add items to a digital cart
  • Multiple payment options: pay by phone online, at a payment terminal, or at checkout
  • Offline mode for limited internet connectivity
  • Fraud detection and prevention included
  • Easy integration with existing payment systems
  • No need for new hardware
  • Customizable to fit brand look and feel
  • Fast app opening (in four seconds)

Key Benefits

  • Reduces or eliminates checkout queues
  • Boosts customer satisfaction and loyalty
  • Increases store visits and sales
  • Minimizes cash handling costs
  • Frees up store floorspace
  • Enhances brand innovation perception
  • Quick deployment (a few weeks)
  • 100% contactless and supports health/safety
  • Gives customers more control over their shopping experience
How It Works
1.Customer scans QR code at store entrance to open the app
2.Customer scans product barcodes to add items to their digital cart
3.Customer pays via smartphone online, at a dedicated payment terminal, or at the checkout
4.Customer leaves the store
Documentation
View Documentation
Who Is It For
  • Retailers seeking to improve in-store customer experience
  • Businesses aiming to reduce checkout queues
  • Merchants wanting to offer contactless, self-service payment options
  • Brands looking to modernize their payment solutions and boost customer loyalty
Detailed Sections
Make shopping smart. Keep customers coming back.

Worldline Scan & Pay is a self-checkout service that cuts queues, improves customer satisfaction and boosts revenue. Customers want innovative payment solutions that make life easier. Three out of four people won’t even enter your store if they expect to wait to pay.

Your customers will thank you for it.

Scan & Pay is designed to boost business by improving customer experiences. Customers scan a QR code, pick up what they need and pay via smartphone. Zero queues, zero frustration. Opens in four seconds. Offline mode available. Fraud detection and prevention included.

  • 78% of customers won’t enter stores when the waiting line is too long.
  • Long lines cost €13 BN a year in the UK.
  • 55% of customers want to pay for items in-store on their smartphone.
Four steps to a successful shopping spree.

Scan & Pay is simple to use and improves satisfaction, visits, sales, and loyalty.

  • Customer scans QR code at entrance to open app.
  • Scans product barcode to add to digital cart.
  • Pays by phone online, at a payment terminal, or at checkout.
  • Leaves the store.
It doesn’t just boost customer experiences.

Scan & Pay integrates with existing payment systems, requires no new hardware, cuts cash handling costs, frees up floorspace, enhances brand innovation, and deploys in a few weeks.

Keep customers coming back again. Again. And again.

A 100% contactless, accelerated self-check-out service, Scan & Pay is designed to boost sales and customer turnover. It cuts waiting time, supports health and convenience, and gives customers more control.

Scan & Pay in action. See the simplicity.

Scan & Pay is easy to use, customizable, and effective at boosting satisfaction, footfall, sales, and loyalty.

Tap on Mobile

Tap on Mobile is a SoftPOS (Software Point of Sale) solution that transforms smartphones and tablets into secure, contactless payment terminals. Merchants can accept payments anywhere in their shop, at the table, or on delivery, using only their smart device with NFC and internet connection.

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Product Overview

Worldline Tap on Mobile enables merchants to accept contactless in-person payments directly on iPhone or Android devices, without the need for additional hardware. It supports Visa, Mastercard, Apple Pay, Google Pay, and other digital wallets, providing a secure, easy, and fast payment experience for businesses of all sizes.

Detailed Description

Tap on Mobile is a SoftPOS (Software Point of Sale) solution that transforms smartphones and tablets into secure, contactless payment terminals. Merchants can accept payments anywhere in their shop, at the table, or on delivery, using only their smart device with NFC and internet connection.

Key Features

  • Accepts Visa, Mastercard, Apple Pay, Google Pay, and other digital wallets
  • Contactless payment acceptance via NFC
  • Works on iPhone (Tap to Pay on iPhone) and Android devices
  • Standalone app for SMEs (no integration required)
  • App-to-app integration for Android (for large businesses)
  • iOS SDK integration for iPhone (for large businesses)
  • Transaction reporting
  • Simple pay-per-transaction rate
  • Digital receipts (QR code or email)
  • PIN entry for high-value transactions

Key Benefits

  • No additional payment terminals or hardware required
  • Fast onboarding and setup
  • Easy and secure payment acceptance
  • Reduces operational costs
  • Elevated in-person payment experience
  • Enables payments anywhere in-store or on delivery
  • Automatic digital receipts via QR code or email
  • PIN code entry for larger transactions for enhanced security
Documentation
View Documentation
Who Is It For
  • Small and medium-sized enterprises (SMEs)
  • Large businesses and enterprises
  • Barber shops
  • Cafés
  • Flash sale stores
  • Retailers
  • Businesses with delivery or on-the-go sales
Requirements
  • Device with NFC and internet connection
  • For iPhone: Latest iOS version
  • For Android: OS version 11 or higher, Google Mobile Services, NFC reader, internet access
Detailed Sections
Simplify your payments. Grow your business.

With Worldline Tap on Mobile you can accept Visa, Mastercard, Apple Pay, Google Pay or any digital wallet and other alternative payment methods with Tap to Pay on iPhone or on Android devices. Contactless in-person payments are just a tap away.

  • No additional terminals and other hardware needed
  • Easy and secure payment acceptance
  • Fast on-boarding
  • Elevated in-person payments experience for you and your consumers
Get tapping, no matter your size

Worldline Tap on Mobile is designed for businesses of all sizes, from small shops to large brands. It helps grow and retain your customer base while reducing operational costs. Payments can be accepted anywhere in your shop, at table, or on delivery.

  • Fast onboarding for SMEs
  • Simple pay per transaction rate
  • Fast transaction reporting
  • Integration options for large businesses
Make payments easy

Accept contactless in-person payments through an easy-to-use interface. Customers enjoy automatic digital receipts via QR code or email. For enhanced security, a PIN code entry is available for larger transactions.

  • Automatic digital receipts
  • PIN code entry for larger transactions
Tap to Pay on iPhone

With Tap to Pay on iPhone and Worldline Tap on Mobile app, you can accept all types of in-person, contactless payments on your iPhone — from physical debit and credit cards to Apple Pay and other digital wallets. No extra hardware needed. It’s easy, secure and private.

  • Available on any model running the latest iOS version, and with internet access
  • Currently available in multiple countries
Tap on Mobile for Android

Transform your Android device into a payment terminal with Worldline Tap on Mobile app. Take payments where your business works, on the road, or in the store, and get paid by your customers.

  • Available on Android smartphone or tablet devices with OS version 11 or higher, Google Mobile Services, NFC reader and internet access
  • Standalone solution for small businesses
  • Flexible integration options for large merchants

Merchant Acquiring

Worldline Merchant Acquiring provides merchants with a robust platform to process, authorise, and settle payments, offering deep local and cross-border capabilities, compliance with local regulations, and a diverse selection of value-added services. The solution is designed to be suitable, simple, and scalable for businesses of all sizes and partners.

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Product Overview

Worldline Merchant Acquiring is a scalable, agnostic acquiring platform for merchants and partners of any size, enabling efficient, secure, and compliant payment processing across online, in-person, and omnichannel environments. It supports a wide range of payment methods, currencies, and value-added services to help businesses transact effortlessly and grow globally.

Detailed Description

Worldline Merchant Acquiring provides merchants with a robust platform to process, authorise, and settle payments, offering deep local and cross-border capabilities, compliance with local regulations, and a diverse selection of value-added services. The solution is designed to be suitable, simple, and scalable for businesses of all sizes and partners.

Key Features

  • Merchant account provisioning
  • Payment authorisation and settlement
  • Support for online, in-person, and omnichannel payments
  • Acceptance of major card schemes and alternative payment methods
  • Dynamic Currency Conversion (DCC)
  • Purchase with cash back
  • Visa Direct and Mastercard Send for secure money transfers
  • Universal QR code for alternative payment acceptance
  • AI-powered payment routing
  • Daily settlement reports with transaction-level detail
  • Support for recurring/subscription payments and tokenisation
  • 3D Secure (SCA) and SCA exemptions (PSD2 compliance)
  • Chargeback and refund handling

Key Benefits

  • Agnostic solution supporting diverse customer preferences
  • Highly capable, reliable, and scalable acquiring platform
  • Deep local and cross-border payment capabilities
  • Compliance with local regulations
  • Wide range of value-added services to enhance customer experience
  • Supports multiple payment channels (online, in-person, omnichannel)
  • Supports a broad set of payment schemes and alternative payment methods
  • AI-powered routing for higher approval rates and cost reduction
Documentation
View Documentation
Who Is It For
  • Merchants of all sizes
  • Partners (e.g., payment facilitators, platforms)
  • Businesses operating online, in-person, or across channels
  • Industries requiring secure, efficient, and compliant payment processing

Payment Orchestration

Worldline Payment Orchestration is a platform that allows businesses to manage, optimise, and automate their global payment processes, regardless of the number of payment providers they use. It offers intelligent routing, reporting, reconciliation, and value-added services to enhance payment acceptance and operational efficiency.

Added

Product Overview

Worldline Payment Orchestration streamlines global payment processes, bringing efficiency and simplicity to financial operations by managing and optimising payment flows across multiple providers. It enables businesses to optimise acceptance rates, reduce operational costs, and simplify payment management through a single comprehensive platform.

Detailed Description

Worldline Payment Orchestration is a platform that allows businesses to manage, optimise, and automate their global payment processes, regardless of the number of payment providers they use. It offers intelligent routing, reporting, reconciliation, and value-added services to enhance payment acceptance and operational efficiency.

Key Features

  • Integration with 260+ payment providers.
  • Support for 170+ standard currencies and 20+ alternative currencies.
  • Access to 150+ local and global payment products.
  • API integration options: do-it-yourself or ready-to-go.
  • Customisable and intelligent routing rules.
  • Configurable merchant ID, testing environment, payment providers, and products.
  • Optimised payment page customisation.
  • Comprehensive dashboard for transaction overview and rule management.
  • Automated reconciliation tool (Reconcile) for accounting processes.
  • Testing environment for new rules and methods.
  • Value-added services: 3D Secure 2, Vault (secure card data storage), Identity verification, Fraud prevention.

Key Benefits

  • Streamlines global payment processes and reduces complexity.
  • Optimises acceptance rates and lowers transaction fees.
  • Reduces operational costs and manual reconciliation errors.
  • Provides a single dashboard for complete payment control.
  • Supports a wide range of payment providers, currencies, and products.
  • Enhances security and compliance with value-added services.
Documentation
View Documentation
Who Is It For
  • Businesses and merchants of all sizes seeking to optimise and simplify their global payment operations.
  • Companies managing multiple payment providers and products.
  • Merchants looking to improve acceptance rates and reduce operational costs.
Requirements
  • Integration with Worldline Payment Orchestration platform.
  • API integration (do-it-yourself or ready-to-go).
Detailed Sections
Payment Orchestration

Adding IQ to payments by picking us as your payment orchestration provider.

Optimise acceptance rates and simplify payment solutions with Payment Orchestration.

Worldline Payment Orchestration streamlines your global payment processes, bringing efficiency and simplicity to your financial operations. Say goodbye to managing multiple payment providers separately.

Payment orchestration enhances your payments.

Our comprehensive platform manages payments effortlessly, irrespective of how many providers you're connected to.

  • 260+ payment providers
  • 170+ standard currencies
  • 20+ alternative currencies
  • 150+ local and global payment products
Payment orchestration features.

Automatically orchestrate routing for every payment.

  • Integrate your APIs to suit your preferences.
  • Optimise your payment page according to your preferences.
  • Set up options that work best for your business.
  • Fully customisable and intelligent routing rules.
Reporting

Take control while doing less work.

  • Dashboard for transaction overviews and rule management.
  • Testing environment for new rules and methods.
  • Automated reconciliation tool (Reconcile) for accounting processes.
Value-added services

Adding security to payments.

  • 3D Secure 2 for frictionless checkout and liability shift.
  • Vault for secure card data storage.
  • Identity for automatic customer verification.
  • Fraud prevention tools.
Pricing and market insights

For payment orchestration pricing details and to stay updated on the dynamic payment orchestration market, get in touch with our experts.

Our journey

A decade ago, we embarked on a mission to provide an all-in-one solution to optimise acceptance rates and manage payment solutions. PaymentIQ, launched in 2011, has since evolved into Worldline payment orchestration.

  • 10+ years of payment orchestration experience
  • 350+ merchants already on board
  • 99.99% system uptime
  • 500 million transactions processed per year
  • 19 billion annual transaction volume
Developers
  • Payment Orchestration Documentation Portal
  • Payment Orchestration Login
  • Reconcil Documentation Portal
  • Reconcile Login

In-store Payment Gateway

Worldline In-Store Payment Gateway offers merchants a comprehensive, customizable payment system for in-store transactions. It supports a wide range of payment devices and acquiring partners, allowing businesses to tailor their payment infrastructure to their needs. The solution is pan-European, enabling merchants to manage payments across multiple countries with one system, one contract, and one support network.

Added

Product Overview

Worldline In-Store Payment Gateway is an end-to-end, flexible in-store payment solution for merchants across Europe. It enables businesses to accept a wide range of payment methods through terminals, Tap on Mobile, and digital POS, with à la carte acquiring for cost optimization and value-added services. The solution is designed to simplify payment management by providing a single partner, contract, and support network for all in-store payments across Europe.

Detailed Description

Worldline In-Store Payment Gateway offers merchants a comprehensive, customizable payment system for in-store transactions. It supports a wide range of payment devices and acquiring partners, allowing businesses to tailor their payment infrastructure to their needs. The solution is pan-European, enabling merchants to manage payments across multiple countries with one system, one contract, and one support network.

Key Features

  • End-to-end in-store payment solution
  • Flexible acquiring: choose your acquiring partners
  • Merchant portal for rule setting and payment management
  • Support for digital POS and Tap on Mobile
  • Single reporting system for all countries
  • Simple portal and terminal management setup
  • Advanced mPOS and Android terminal options

Key Benefits

  • Pan-European coverage with a single payment partner
  • Accepts over 40 payment methods, including alternative methods like Alipay, WeChat Pay, and private cards
  • À la carte acquiring model allows working with Worldline and other acquirers
  • Value-added services: loyalty, surveys, dynamic currency conversion (DCC), charity donations
  • Real-time visibility and reporting across multiple countries
  • Tailored back-office reports and improved financial reconciliation
  • High compliance and security standards
  • Wide range of state-of-the-art payment terminals and devices
  • Support for in-store mobility, assisted sales, autonomous stores, and self-checkout
  • Option to turn Android devices into payment terminals (Tap on Mobile)
Documentation
View Documentation
Who Is It For
  • Merchants of all sizes operating in Europe
  • Businesses seeking to simplify and optimize in-store payment acceptance
  • Retailers expanding into new European territories
  • Merchants requiring multi-country payment solutions
Requirements
  • Businesses must provide company and contact information to request more details or a demo
  • Sales volume selection required in contact form
Detailed Sections
Europe-wide payment simplicity.

Worldline In-Store Payment Gateway is an end-to-end, flexible in-store solution covering the whole of Europe. Accept more payments and boost customer engagement through terminals, Tap on Mobile, and digital POS. À la carte acquiring can cut costs and value-added services are available. Supports expansion into new territories.

  • 1 billion processed every day
  • 65 billion transactions a year
  • 40 payment methods accepted
  • 300 merchants
A payment system built around you.

Build your system your way. Choose your acquiring partners and in-store payment devices. Pan-European reach with a single solution for all payments.

The power of one.

One partner, one contract, one support network, and one system for all of Europe. Avoid fragmented, country-by-country approaches.

Payments à la carte.

Flexible acquiring model lets you work with Worldline and other acquirers. Set rules via merchant portal. Accept a wide range of payments including alternative methods. Access value-added services.

  • Alternative payment methods: Alipay, WeChat Pay, private cards
  • Value-added services: loyalty, surveys, DCC, charity donations
Stress-free solutions.

Agility, peace of mind, high performance, real-time visibility, one reporting system, tailored back-office reports, improved KPIs, financial reconciliation, high compliance and security.

Payment devices you can count on.

Simple portal and terminal management. Wide range of state-of-the-art terminals including Android and advanced mPOS. Supports in-store mobility, assisted sales, autonomous stores, self-checkout. Android devices can be used as terminals with Tap on Mobile.

Why choose Worldline?

Guaranteed compliance and security, industry expertise, unique acquiring model (one-stop-shop with à la carte acquiring).

  • Guaranteed compliance and security
  • Industry expertise
  • Unique acquiring model

Online Payment Gateway

Worldline Online Payment Gateway allows businesses to accept online payments through a flexible, secure, and scalable platform. It supports integration with existing acquirers, offers fraud management tools, and provides access to international payment methods. The solution is designed to simplify online payments, reduce cart abandonment, and enable growth in new markets.

Added

Product Overview

Worldline Online Payment Gateway is an all-in-one online payment solution designed to help businesses of all sizes strengthen their e-commerce offering. It enables merchants to accept online payments via any channel, integrate with existing systems, and offer customers a wide range of payment methods. The solution is suitable for businesses with or without an existing acquiring partner and is built to boost conversion rates, tap into new markets, and accelerate digital transformation.

Detailed Description

Worldline Online Payment Gateway allows businesses to accept online payments through a flexible, secure, and scalable platform. It supports integration with existing acquirers, offers fraud management tools, and provides access to international payment methods. The solution is designed to simplify online payments, reduce cart abandonment, and enable growth in new markets.

Key Features

  • Integration options from plug-and-play to advanced, vertical-specific systems
  • Customisable checkout pages
  • Fraud management tools included
  • International payment support
  • One-time setup costs
  • Payment links for social media and conversational commerce
  • Mobile checkout-ready (pay-by-link, click & collect, etc.)
  • Single integration and centralised reporting

Key Benefits

  • Boosts conversion rates by reducing cart abandonment
  • Supports a wide range of payment methods and currencies
  • Easy integration with existing systems and acquirers
  • Centralised reporting for all channels, countries, and payment methods
  • Enables entry into new markets with local and international payment expertise
  • Accelerates digital transformation and keeps businesses up-to-date with payment trends
  • Provides a single payment partner for simplicity
How It Works
1.Merchants can integrate the gateway with their existing systems and acquirers.
2.Choose from a variety of payment methods and customisation options.
3.Enable secure, reliable online payments for customers across multiple channels.
4.Access centralised reporting and analytics for all transactions.
Documentation
View Documentation
Who Is It For
  • Businesses of all sizes
  • E-commerce merchants
  • Businesses with or without an existing acquiring partner
  • Companies seeking to expand internationally
  • Merchants looking to optimise online payment processes
Requirements
  • Business registration and contact details required for onboarding
  • Selection of country and sales volume during sign-up
Detailed Sections
Online Payments

Online payments that help businesses of all sizes strengthen their e-commerce offering.

Break down the payment barrier.

Already have an acquiring partner? No problem. Keep your business in tune with current trends and offer your customers the latest payment methods they want to see with Worldline Online Payments. With fraud management tools and international payment included, we have a solution that covers it all.

  • Take online payment via any channel.
  • Payment methods you can pick and choose.
  • Integrate with existing systems.
  • One-time setup costs.
  • A single payment partner.
  • Suitable for every type of business.
Your business. Transformed with online payment solutions.

Don’t let online payments complexities hold you back. No matter what your ambition, we will help you to boost your e-commerce business, taking the pressure off and enabling you to reach new heights. Here’s how.

  • Boost conversion rates.
  • Tap into new markets easily.
  • Accelerate your digital transformation.
  • Go above and beyond.
Boost conversion rates.

With 60% of carts abandoned if a payment doesn’t go through on the first try, unreliable online payment solutions are not an option. Our integration options range from simple plug-and-play solutions to the most advanced vertical-specific systems. You choose what you need - including a completely customised checkout page. And we’ll take care of making sure all online payment succeed, securely, at any time. Plus, you’ll enjoy one integration and one centralised report for all channels, countries and payment methods.

Tap into new markets easily.

No matter where you want to take your business, we’ll be by your side. We work with over 250,000 online merchants across Europe. And we processed over 2.5 billion transactions in the last year alone thanks to our expertise in local markets and international payment methods. Think of Worldline Online Payments as opening up a world of possibilities, offering the most dynamic mix of payment methods in multiple currencies.

Accelerate your digital transformation.

Whether it’s regulatory changes or new consumer habits, staying up-to-date is a job in itself. Luckily, we can take this off your hands. With e-commerce continuing to grow at unprecedented rates, there has never been a better time to entrust your digital transformation to a trend-led payment provider. From pay-by-link to click & collect, we’ll make sure your business is mobile checkout-ready. So you can provide an optimised and future-proof checkout experience, no matter the channel.

Go above and beyond.

Do you have a social media presence but not your own web shop? We’ll help you tap into digital sales, using payment links you can easily integrate into conversations with shoppers.

Offer the greatest ways to pay.

If you’re ready to optimise your online payment solutions, look no further than Worldline Online Payments. Simply fill in a few details and we’ll get right back to you.

Why choose Worldline?
  • Global approach: Profit from our global experience and local presence to minimise international scheme cost and streamline your financial flows.
  • Future-proof your choice: We are ahead of the curve when it comes to payment trends and constantly challenging what the next right payment would be. We’ll take you with us.
  • We share your ambition: International growth, tapping into new trends, delighting customers, or growing revenue. We help you achieve your ambitions.
API Information
  • Integration options available, including plug-and-play and advanced systems
  • Developer resources available at https://developer.worldline.com/

Cross-border Payment Solutions

Worldline Global Collect is a cross-border payment solution that provides merchants with a global gateway to accept online payments worldwide. It offers local payment options, supports over 150 payment products, and allows transactions in more than 140 currencies. Merchants can receive settlements in over 25 currencies. The solution is designed to optimize conversion rates, approval rates, and cost efficiency through smart routing and integration with preferred acquirers.

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Product Overview

Worldline's Cross-border Payment Solutions (Global Collect) enable merchants to accept online payments globally, offering customers their preferred payment methods in over 140 currencies and supporting 150+ payment products. The solution is designed to increase conversion and approval rates, simplify cross-border payments, and provide tailored payment options for each market.

Detailed Description

Worldline Global Collect is a cross-border payment solution that provides merchants with a global gateway to accept online payments worldwide. It offers local payment options, supports over 150 payment products, and allows transactions in more than 140 currencies. Merchants can receive settlements in over 25 currencies. The solution is designed to optimize conversion rates, approval rates, and cost efficiency through smart routing and integration with preferred acquirers.

Key Features

  • Global payment gateway with local payment options
  • Support for 150+ payment products
  • Transactions in 140+ currencies
  • Settlement in 25+ currencies
  • Integration with preferred acquirers
  • Hosted and customizable payment pages
  • Webhooks for transaction notifications
  • Bespoke reporting and analytics
  • Fraud management suite (rule-based, machine learning, hybrid)
  • Smart transaction routing

Key Benefits

  • Increase conversion and approval rates by offering local payment methods
  • Accept payments in 140+ currencies and 150+ payment products
  • Receive settlements in 25+ currencies
  • Tailor payment methods by country, region, and device
  • Easy integration via smart APIs and hosted payment pages
  • Access to transaction data and bespoke reporting for business insights
  • Fraud prevention tools including rule-based, machine learning, and hybrid systems
  • Smart routing to optimize costs and approval rates
  • Dedicated payment professionals for support
Documentation
View Documentation
Who Is It For
  • Merchants seeking to expand internationally
  • Businesses targeting high-growth global markets
  • Enterprises requiring local payment options for customers
  • E-commerce businesses operating in multiple countries
Detailed Sections
Global Collect

Give your customers the online payment methods they love worldwide and increase your conversion and approval rates by accepting payments globally.

Online payment methods that get you closer to your consumers

Simplifies cross-border payments for merchants via a global gateway, offering local payment options and enabling customers to pay in more ways than ever before.

  • Increase conversion and approval rates.
  • Customers can pay via 150+ payment products in 140+ currencies.
  • Tailored online payment methods for each market.
  • Connect to your preferred acquirers to optimise cost with one easy integration.
The power of choice with cross-border payments

Allows merchants to tailor online payment methods to each market, offering the best mix of payment methods by country, region, and device.

We help you grow globally.

Supports high growth markets, offers 150+ online payment methods, 140+ currencies, and 25+ settlement currencies.

Easy integration through our smart APIs.

Fast, effective integration for web and in-app payments, with support at checkout and a choice of payment pages. Includes hosted pages and webhooks for transaction notifications.

  • Easy to test integration
  • Transaction notifications via webhooks
Conversion optimised. Revenue maximised.

Smart routing of transactions to find the best acquirers for cost, approval rates, and availability. Includes fraud management tools and dedicated payment professionals.

Priceless insights into your business. And the competition.

Provides access to transaction data, bespoke reporting, and performance analysis through the payment funnel, including competitive benchmarking.

Fraud tools tailored to your approach.

Enterprise merchants have access to a diverse set of fraud prevention tools, including rule-based systems, machine learning, and hybrid approaches.

Get in touch

Worldline aims to help businesses operate like locals, removing complexity and boosting profitability.

Why choose Worldline?

Guaranteed compliance and security, delivery innovations in payments, and scalability with over 22 billion transactions processed annually.

  • Guaranteed compliance and security
  • Delivery innovations in payments
  • Scalability
Supporting Resources
📚
Developers portalDocumentation
Support portalHelp Center

Omnichannel Payment Solutions

Worldline One Commerce combines in-store and online payments into a single, unified platform, allowing businesses to architect their own omnichannel payment ecosystem. The solution is designed to be flexible, reliable, and tailored to specific business needs, supporting a variety of payment methods and value-added services.

Added

Product Overview

Worldline One Commerce is an omnichannel payment solution that unifies in-store and online payments into a seamless, tailored customer journey. It enables businesses to offer a wide range of payment methods, value-added services, and new buying experiences, supporting growth, customer engagement, and expansion into new markets.

Detailed Description

Worldline One Commerce combines in-store and online payments into a single, unified platform, allowing businesses to architect their own omnichannel payment ecosystem. The solution is designed to be flexible, reliable, and tailored to specific business needs, supporting a variety of payment methods and value-added services.

Key Features

  • Support for local and international cards (Visa, Mastercard, etc.)
  • Alternative payment methods (Apple Pay, Google Pay, Alipay, WeChat Pay, private cards, etc.)
  • Value-added services during payment (e.g., Buy Now, Pay Later)
  • Post-payment features (customer surveys, loyalty cards)
  • À la carte acquiring (choose preferred acquirers or Worldline Acquiring)
  • Single reporting system for all countries, channels, and payment methods
  • Customizable reports and fast KPI analysis
  • Financial reconciliation for acquirers
  • Pan-European payment solution

Key Benefits

  • Unifies in-store and online payments for a seamless customer journey
  • Supports a wide range of payment methods (local/international cards, alternative payments)
  • À la carte acquiring for optimal transaction fees and acquirer choice
  • Facilitates expansion into new markets and territories
  • Provides real-time customer insights and customizable reporting
  • Boosts customer engagement and loyalty through value-added services
  • Easy integration with existing IT infrastructure
Documentation
View Documentation
Who Is It For
  • Businesses of any size and scope seeking to unify in-store and online payments
  • Merchants aiming to expand into new markets and territories
  • Businesses looking to offer customers a seamless, omnichannel payment experience
Requirements
  • Completion of a contact form with business and contact details
  • Selection of country and sales volume during onboarding
Detailed Sections
One Commerce

Combine in-store and online payments into one tailored, omnichannel customer journey.

Good for you. Great for customers.

Worldline One Commerce is built around your business and your ambition for growth, helping you become the architect of your omnichannel world. It unifies in-store and online payments into a seamless customer journey, tailored to your needs and across the entire payments ecosystem. We give you the power to offer new payment methods, value-added services and new buying experiences.

  • Boost sales through a wide range of new payment methods and experiences across all channels.
  • Seize opportunities by expanding into new markets and territories.
  • Optimise your business by boosting efficiency.
Seamless experiences create loyal customers.

Our omnichannel payment solution gives you a golden opportunity to create seamless customer journeys and enhance every experience. Fully flexible, reliable and tailored to your business needs, our offer allows you to create your ideal vertical solution with new payment methods, optimised acquiring, payment devices and online integration, all through one pan-European payment solution.

Turn ways to pay into an opportunity.

Giving your customer more ways to pay is crucial if you’re to achieve your growth ambition. With Worldline One Commerce’s omnichannel payment system, you choose the payment methods your customers prefer. That could be local or international cards like Visa or Mastercard. Alternative payment methods including Apple Pay, Google Pay, Alipay, WeChat Pay, private cards and many others. You’re giving the gift of choice.

  • Support for local and international cards
  • Support for alternative payment methods
Drive engagement. Build business.

Payment is likely your most valuable touch point of all – and we help you make the most of it. New payment methods and value-added services during payment – such as Buy Now, Pay Later – can directly lift your sales. And even after payment, features such as customer surveys and loyalty cards can boost engagement.

  • Value-added services during payment (Buy Now, Pay Later)
  • Post-payment features (customer surveys, loyalty cards)
À la carte acquiring. On the menu for the first time in Europe.

À la carte acquiring is here for the first time in Europe and it’s a big, big deal. It means you get the best possible fee for every transaction, plus crucial support for any foreign expansion plans by allowing you to work with either your preferred acquirers or just Worldline Acquiring through just one platform. That choice alone can mean some delicious savings.

  • Best possible fee for every transaction
  • Support for foreign expansion
  • Choice of acquirers
See clearly. Plan with confidence.

Because we’ll give you a full view of your operation via one reporting system, you’ll always be informed. Regardless of countries, channels and payment methods, you see real time customer insights that can drive your business forward. Customisable reports can be easily integrated into your IT infrastructure. Fast analysis of merchant activity through KPIs is available. There’s also financial reconciliation for acquirers.

  • Full view of operations via one reporting system
  • Real time customer insights
  • Customisable reports
  • Fast KPI analysis
  • Financial reconciliation for acquirers
Why choose Worldline?

Guaranteed compliance and security. As the leading European provider of payment and transactional services, trust is critical. We ensure compliance with all applicable laws, industry standards, rules and regulations. We help you build customer relationships and grow revenue. With a choice of payment methods, successful transactions and a seamless experience, we help you win and retain customers. Fast, easy integration. Our solutions integrate into your existing payment platforms and can easily accommodate all your specific use cases.

  • Guaranteed compliance and security
  • Help build customer relationships and grow revenue
  • Fast, easy integration
Supporting Resources
📚
Developers portalDocumentation
Support portalHelp Center

Payments for Platforms

Worldline for Platforms powered by OPP allows platforms, marketplaces, and ISVs to embed flexible payment solutions, supporting diverse payment needs for their users. The solution covers onboarding, compliance, payment acceptance, fund management, dispute resolution, and monetisation, all within a single ecosystem.

Added

Product Overview

Worldline for Platforms powered by OPP is a comprehensive payments solution designed for e-commerce marketplaces, platforms, and independent software vendors (ISVs). It enables seamless management and monetisation of payments, including pay-ins, payouts, onboarding, compliance, and dispute management, all through easy-to-use tools and interfaces.

Detailed Description

Worldline for Platforms powered by OPP allows platforms, marketplaces, and ISVs to embed flexible payment solutions, supporting diverse payment needs for their users. The solution covers onboarding, compliance, payment acceptance, fund management, dispute resolution, and monetisation, all within a single ecosystem.

Key Features

  • Plug-and-play white-labelled hosted payment pages
  • Drop-in payment solutions with minimal development
  • Fully customisable API-based checkout integration
  • User onboarding and instant verification (KYC/AML)
  • Advanced anti-fraud capabilities
  • Instant payouts and multi-currency support
  • Multi-split payments for multiple sellers
  • Secure holding of funds with release on agreed criteria
  • Down payment and installment plan management
  • Automated mediation and dispute resolution tools
  • Multilingual support teams
  • Merchant and sub-merchant activity insights
  • Personalised payment rates per sub-merchant and transaction type

Key Benefits

  • Monetise payments and add new revenue streams
  • Seamless onboarding and compliance for users
  • Instant payouts and multi-split payments
  • Secure fund management and buyer protection
  • Automated dispute resolution tools
  • Customisable pricing models for sub-merchants
  • Wide range of payment methods (over 90 supported)
  • First- and second-line support options
  • Consistent experience across online, mobile, and (soon) in-store channels
How It Works
1.Integrate payments via hosted pages, drop-in solutions, or APIs
2.Onboard and verify users (consumers and businesses) with instant checks
3.Accept payments online, on mobile, and (soon) in-store
4.Manage and distribute funds, including instant payouts and multi-split
5.Hold funds securely and release based on criteria
6.Resolve disputes with automated mediation tools
7.Customise pricing and monetisation for sub-merchants
Documentation
View Documentation
Who Is It For
  • E-commerce marketplaces
  • Online platforms
  • Independent software vendors (ISVs)
  • Businesses seeking to embed payments into their platforms
Requirements
  • Platform or marketplace business model
  • Ability to integrate via API, hosted page, or drop-in solution
  • User onboarding information for KYC/AML compliance
Detailed Sections
Easily build the payment experience your users need

Embed a flexible payments solution into your platform or marketplace with Worldline for Platforms powered by OPP, enabling you to easily support the diverse payment needs of your users. From day one, help them onboard and stay compliant, while simplifying how they sell, get paid, and manage disputes.

For independent software vendors

Add new lines of revenue by monetising payments on your platform. Embed payments and deliver a comprehensive experience for users, everything from payment integration options to smoother onboarding and better customer service.

For marketplaces

Make it easier for sellers to get up and running to manage their business with tools to accept payments, split funds, and make instant payouts, all through user-friendly interfaces. Additionally, help them provide exceptional customer experiences with a range of support options.

Deploy quickly and easily

Choose from a comprehensive suite of payment integration options, ranging in development time and user experience.

  • Plug-and-play with white-labelled hosted pages
  • Seamless drop-in solutions that enhance functionality with minimal development effort
  • Fully customisable and integrated checkout via API
Smoother onboarding for your users

Effortlessly onboard and verify both consumers and businesses while ensuring compliance and eliminating fraudulent users.

  • Accurately identify and segment users
  • Provide instant verification
  • Leverage advanced anti-fraud capabilities
Better manage and distribute funds

Take control of your payments to streamline operations, reduce errors, and enhance scalability, transparency, and compliance.

  • Deliver instant payouts to get money in users’ account faster
  • Use multi-split to pay multiple sellers from a buyer’s single transaction
  • Collect and pay out in different currencies and intervals
Safeguard your funds

Ensure peace of mind for all parties by securely storing funds and paying out only when agreed-upon criteria are met.

  • Offer strong buyer protection
  • Manage down payments and installment plans
  • Ensure secure holding of funds
Transform payments into a profitable revenue stream

Define personalised payment rates for every sub-merchant and each transaction type. You have the freedom to customise your pricing model for different target audiences, empowering you to create a profitable service that you fully control.

Help buyers and sellers resolve disputes

If transactions between parties lead to disputes, leverage automated mediation tools to help them reach an agreement by themselves.

  • Provide the tools to help users come to a resolution without your intervention
  • Detect recurring issues and make improvements accordingly
  • Multilingual teams in place offering any language your users need
Remain compliant wherever you operate

Regulations are constantly changing and vary by country. We take on the complexity and risks, so you don’t have to.

  • Rely on us to verify users, with Know Your Customer (KYC) and Anti-Money Laundering (AML) checks
  • Maintain PCI compliance with ease
  • Stay secure and compliant with Payment Services Directive (PSD2) and General Data Protection Regulation (GDPR) standards
Offer a wide range of payment options

Offer over 90 of the most popular payment methods, no matter the geography or demographic where you operate.

Intuitive interfaces for you and your users

While you can have insight into merchant activity, you can empower merchants to easily manage onboarding and transactions.

First- & second-line support to keep things manageable

Questions will come up as your business grows, and there are options for both first- and second-line support to help you along the way.

Built for ISVs, ready for growth

Offer your merchants the flexibility to accept payments online, on mobile devices, and soon through in-store terminals — all managed seamlessly within your platform. Simplify operations, reduce complexity, and deliver consistent experiences across every sales channel.

In-store Payment Solutions

Worldline In-Store Payments Full Service provides merchants with an end-to-end solution for in-person payments, including terminal installation, payment processing, and acquiring. The service is designed to simplify payment operations, improve customer satisfaction, and support business growth.

Added

Product Overview

Worldline In-Store Payments Full Service is a comprehensive solution for merchants to manage all aspects of in-person payments. It covers everything from terminal installation to acquiring and processing, allowing businesses to focus on growth while Worldline handles the payment process. The service supports a wide range of payment methods, including cards, mobile, and crypto, and is available Europewide with a single point of contact.

Detailed Description

Worldline In-Store Payments Full Service provides merchants with an end-to-end solution for in-person payments, including terminal installation, payment processing, and acquiring. The service is designed to simplify payment operations, improve customer satisfaction, and support business growth.

Key Features

  • Terminal installation and maintenance
  • Acquiring and payment processing
  • Acceptance of multiple payment methods (cards, mobile, crypto, QR codes, digital wallets)
  • Dynamic currency conversion
  • Single point of contact for all services
  • Fast transaction processing
  • Reliable and efficient payment terminals
  • Optional maintenance services

Key Benefits

  • Complete end-to-end payment solution (from terminal installation to acquiring and processing)
  • Supports a wide range of payment methods (credit/debit cards, mobile payments, crypto, QR codes, Apple Pay, Google Pay, Alipay, Samsung Pay, and more)
  • Single partner and point of contact for all merchant payment services
  • Fast payment processing and quicker access to funds
  • Efficient, reliable, and fast payment terminals
  • Optional maintenance for peace of mind
  • Dynamic currency conversion (DCC) for customer choice in payment currency
  • Europewide coverage with consolidated payment source
  • Minimized downtime with rapid support
How It Works
1.Worldline installs payment terminals at merchant locations
2.Merchants accept a wide range of payment methods from customers
3.Worldline processes and acquires payments on behalf of the merchant
4.Funds are settled quickly to the merchant's account
5.Support and maintenance are provided as needed
Documentation
View Documentation
Who Is It For
  • Merchants of all sizes and scopes
  • Businesses operating in Europe seeking in-person payment solutions
Requirements
  • Completion of a contact form with business and contact details
  • Selection of country and sales volume during inquiry
Detailed Sections
We’ll take payments off your plate.

Worldline In-Store Payments Full Service allows merchants to focus on growing their business while Worldline manages the entire in-person payment process. The service ensures smooth, seamless payments to keep customers satisfied and loyal.

  • Seamless in-store payment process to boost sales and customer satisfaction
  • One partner for all merchant payment services, Europewide
  • Single point of contact
Achieve more in your day.

The solution provides a complete end-to-end service, from terminal installation to acquiring and processing. Merchants can accept a wide range of payment methods, including credit/debit cards, mobile, and crypto payments.

  • Complete end-to-end solution
  • Wide range of payment acceptance
  • Customer satisfaction through payment choice
Payment services that are good for business.

Merchant payment services are simplified, with fast processing and reliable terminals. Maintenance can be included for peace of mind.

  • Simple merchant payment services
  • Fast payment processing
  • Efficient and reliable terminals
  • Optional maintenance
More ways to pay. More happy customers.

Customers can pay using cards, mobiles, QR codes, Apple Pay, Google Pay, Alipay, Samsung Pay, and more. Dynamic currency conversion is available, and the service covers all of Europe.

  • Wide range of payment methods
  • Dynamic currency conversion
  • Europewide coverage
The service your business deserves.

Worldline provides rapid support to minimize downtime and ensure business continuity.

  • First class service for merchants
  • Rapid issue resolution
Customer payments made simple.

Merchants can fill in a form to see how the service can streamline their in-person payments process.

Why choose Worldline?

Worldline helps merchants build customer relationships and grow revenue with a choice of payment methods and seamless experience. The company is innovative in payments and highly scalable, processing over 22 billion transactions annually.

  • Helps win and retain customers
  • Innovative payment solutions
  • Scalable and experienced in local and international markets

Online Payment Solutions

Worldline Online Payment Solutions provide businesses with a comprehensive platform to accept and process online payments securely and efficiently. The solution supports a wide range of payment methods, offers AI-powered routing for higher approval rates and lower costs, and includes advanced fraud prevention and actionable insights through reporting APIs.

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Product Overview

Worldline's Online Payment Solutions enable businesses to accept digital payments securely through their websites or apps, offering unbeatable payments performance, a wide range of payment methods, and the highest authorisation rates at the lowest cost. The solution is designed to power business growth by increasing conversion, reducing fraud, and providing seamless integration.

Detailed Description

Worldline Online Payment Solutions provide businesses with a comprehensive platform to accept and process online payments securely and efficiently. The solution supports a wide range of payment methods, offers AI-powered routing for higher approval rates and lower costs, and includes advanced fraud prevention and actionable insights through reporting APIs.

Key Features

  • Support for credit/debit cards, digital wallets (PayPal, Apple Pay, Google Pay), bank transfers, local payment methods (iDEAL, BLIK), and buy-now-pay-later solutions (Klarna)
  • AI-powered payment routing for optimal transaction approval and cost reduction
  • Dynamic currency conversion
  • Multi-language support
  • Transaction management
  • Reporting API and User Management API
  • Developer-friendly APIs, SDKs, and plugins
  • Sandbox testing environments
  • Dedicated technical support

Key Benefits

  • Higher conversion rates by supporting customers' preferred payment methods
  • One integration for all payment capabilities and methods
  • Advanced fraud prevention and risk management
  • Increased authorisation rates and lower transaction costs via AI-powered routing
  • Ability to enter new markets with local payment methods and currencies
  • Display prices in local currencies and adapt checkout to local languages
  • Actionable insights through powerful reporting tools
  • Scalable and secure infrastructure
Documentation
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Who Is It For
  • E-commerce businesses
  • Retailers
  • Travel companies
  • Hospitality businesses
  • Digital service providers
  • Omnichannel businesses (retail, food & beverage, hospitality)
  • Businesses operating across multiple regions
  • Businesses of all sizes
Detailed Sections
Online payments to power your growth

Enjoy unbeatable payments performance, a wide range of payment methods and the highest authorisation rates at the lowest cost.

Take your payments strategy from good to great with Worldline
  • Higher conversion: Let your customers pay the way they are used to and reduce drop-off at checkout.
  • One integration: Access all our capabilities including all payment methods with one integration.
  • Prevent fraud: Protect your business against fraud and manage risk effectively.
The service your business deserves.

Over 1 million businesses are powered by Worldline

  • Increased authorisation rates: Achieve higher auth rates and lower transaction costs thanks to a combination of AI-powered routing and our powerful exemption engine.
  • Enter new markets: Enhance your growth by catering to various payment preferences, thanks to our extensive range of payment methods, local offices and our global expertise.
  • Do business like a local: Display prices in local currencies with dynamic currency conversion and adapt your checkout to your customers’ local language and payment methods.
Integrations that match your technical ability
  • AI-Powered Routing: Unlock higher approval rates and reduce costs with Worldline's AI-powered Routing. Combine the reliability of predefined rules with the adaptability of machine learning to analyse transaction data and select optimal payment routes in real time.
  • Actionable insights: Powerful reporting to drive business decisions.
  • Reporting API & User Management API
  • Multi-language support
  • Transaction management
Get hands-on in our sandbox environment
  • Digital businesses: Are you a digital service provider or travel company operating across multiple regions seeking superior payments performance? Discover the power of our Global Collect Platform.
  • Omnichannel businesses: Are you an omnichannel business operating in Europe, either in retail, food & beverage or hospitality and want to connect offline and online payment journeys. Discover our Global Online Pay Platform, built to drive conversion.