Being Innovative

Worldline provides end-to-end payment processing for banks and financial institutions. Its advanced, value added services and innovative solutions cover the full payment processing value chain. Financial clients rely on Worldline’’s expertise to anticipate European regulatory changes, benefit from transformative technologies, optimize processes and mine data. Customized solutions to meet specific customer needs include the licensing of software, to enable companies to self-operate their own solutions. In 2016, Worldline joined forces with Equens, a leading European payment services provider, to create a new entity, equensWorldline. In so doing, Worldline has added impressive expertise in payments to its traditional strengths in card transactions and innovative e-commerce and mobile payments, providing best-in-class services across the board of processing and software services.


Value to our customers


Empower your customers

WL Mobile Banking

WL Mobile Banking offers an innovative and comprehensive catalog of services to build a unique customer experience, whether on a smartphone or on a tablet and for any operating system (iOS, Android or Windows). Based on an agile digital banking platform, WL Mobile Banking boosts your innovation in terms of payments, security or bank account management, with a customizable mobile experience in order to catch all the digital moments of your customers.

WL Payment Modulator

WL Payment Modulator improves banks fraud prevention and reduces their call center costs by empowering their clients. Fully part of the bank security policy, it allows the end-user to define the payment settings that will immediately be applied to the next payment transactions. This innovative and user-friendly solution increases the digital image of the bank and brings additional trust in card payments. Highly secured, whatever the channel, it is independent from card types and payment schemes.

Simplify & Enrich Payment

WL Wallet

Beyond payment, WL Wallet secures the consumer digital identity during the entire customer journey to make the shopping experience seamless, while reducing fraud and increasing security. With the integration of loyalty programs and couponing, or any ticketing, it reinforces your customers' engagement, by giving them access to digital retail services.

WL eBanking Payment Services

Thanks to 10 years of experience in routing services through iDEAL and its extensive knowledge of the SEPA payment regulations, Worldline has developed a strong solution integrating other OBeP schemes like MyBank. The Multi-services OBeP Platform is flexible and can be updated to deliver new services like e-identity checks.


Secure Payment Seamlessly

WL Access Control Server (ACS)

With the ever-rising number of online payments, both banks and issuing organizations face increasing fraud threats. The challenge for them is to provide secure and cost-efficient proof of identity to their cardholder populations. More than 80 banks in the world have already chosen WL Access Control Server (ACS) to manage the 3-D Secure service with a wide range of authentication methods. Worldline ACS solution is PCI DSS and Verified by Visa certified. It can be easily interfaced with external authentication environments. WL ACS is a core component of Worldline fraud portfolio services.

WL Trusted Authentication

WL Trusted Authentication makes the most of device and context data to provide a Software Secure Element in regular smartphones or other personal devices, and to protect end users’ most valuable asset: their identity. This solution particularly fits retail banks’ needs, enabling a single, strong authentication method for online banking, 3-D Secure and other digital and mobile services (such as WL Wallet). But it is also intended for any type of organization which needs to make remote access secure for its users.

WL Mobile NFC Payment with HCE

WL M-Payment with HCE offers a secure and digital experience and allows consumers to pay easily and securely with their smartphone. By adding HCE to its solutions, Worldline is offering its clients simplification of the complex NFC business model and is facilitating convergence of contactless proximity payments and Internet or mobile remote payments.

WL Fraud Risk Management

Fraud prevention and risk management are the responsibility of each stakeholder in the value chain: merchant, PSP, acquirer, card scheme and issuer. It is a trade-off between risk and cost. The WL Fraud Risk Management solution helps them to design their ideal solution, i.e. a solution with very low false positive and high detection rates.