Your business partner
for payments
Allowing you to make and receive payments seamlessly, securely and efficiently
The payments industry has entered a new era triggered by transformative, technological innovation and increasing competition. Consumers want to be able to initiate payments in every context or channel.
As pan-European leader, equensWorldline invests extensively in new and innovative solutions for payments and cards transactions. This allows our clients to cater for their shifting needs and increasing demands of their customers. And to get ready for the future.
320+
financial institutions
125M+
cards under managements
9,5Bn+
issuing processing transactions per year
8,2Bn+
acquiring processing transactions per year
13Bn+
payments transactions per year
Overview of services
Issuing Take a competitive advantage with our issuing services
Acquiring Benefit from industry-leading acquiring services
Payments Simplify your operations with outstanding payment solutions
Digital Services Reduce the complexity of your digital transformation
Your customers want to be able to initiate payments in every context or channel. Our full issuing services portfolio gives you the flexibility to select switching and authorization solutions that are seamlessly aligned with your business model. And deal with any challenge you may encounter in your issuing strategy. At the same time, you can benefit from one of the most reliable payment clearing services to quickly settle all your accounts. Issuing processing | Fraud Risk Management | Issuing Processing | Software Licensing
Reap the benefits from ultra-fast switching and our high-capacity network, reducing transaction times and increasing productivity. Our modular portfolio can be customized to optimally support your needs. What’s more, our reliable and secure acquiring solutions allow you to support all major debit and credit cards along with specialist third-party cards, including prepaid, loyalty, and petrol services. Acquiring processing | Fraud Risk Management | ATM Management | Open Financial API Services | Payment Software Solutions
Let us guide you in today’s complex payments market. We help you to transform your existing infrastructure, and enable you to handle all kinds of payments for your customers, including Instant Payments. What’s more, we ensure compliance and also support other types of transactions such as e-payments, e-mandates, and e-identity. Rely on our fast clearing services, and benefit from economies of scale through our shared infrastructure. Instant Payments | Payments Processing Back-Office | Clearing & Settlement Services | Trusted Transactions | Open Banking | Payment & Liquidity Hub
Nowadays, banks need to provide the best customer experience through digital channels. We support banks, acquirers, and payment service providers in operationalizing e-commerce and m-commerce transactions in an omni-channel setting. Drawing upon a long-standing expertise in the banking industry and a strong track record of successful acquisitions, we aim to be a catalyst for innovation in the field of identity, authentication, customer experience and payments. We accelerate the industry’s digital transformation with robust and open solutions to foster customer engagement while ensuring high levels of security across touchpoints. Identification and authentication | Customer Interactions | Open Banking | Payment Services | Trade Order Management and Financial Data Services
Why equensWorldline
Flexible and scalable
payment solutions
Rely on flexible and scalable payment solutions, based on the service model that fits your strategy and fulfils your customers’ needs.
Expansion in Europe
and beyond
Increase your revenues and improve efficiency by expanding your market coverage in Europe and beyond, and broaden your portfolio with new products and services.
Risk, fraud and
cybercrime control
Protect yourself and your customers against the increasing risk of fraud and cybercrime by improving the level of accuracy in identifying and preventing financial crime.
Operational excellence
Reduce the complexity of your legacy infrastructure and ensure operational excellence while complying with increasingly demanding regulatory requirements.
End-to-end solutions
Benefit from having a partner who covers the complete card and payment value chains, and who is leading the way in next-generation solutions.
Increased efficiency
Lower your cost base and free up resources by adapting your operating model, and benefit from competitive pricing thanks to economies of scale.
Enhanced innovation and
improved time-to-market
Accelerate innovations and shorten your time-to-market in order to meet and exceed the expectations of your customers.
Dynamic deployment
mode
Benefit from our flexible deployment options: software licensing, hosting, operational processing of your application or full business process outsourcing (BPO) services.
Covering the end-to-end card & payment value chains
As leading European payment service provider, equensWorldline combines long-standing proven expertise in traditional mass payment systems (issuing, acquiring, intra- and interbank payment processing) and innovative e-commerce and mobile payment solutions. We provide Europe’s most extensive end-to-end service portfolio both for payments and card transactions and offer cross-border availability of value-added services for banks, financial institutions and corporates.
Client testimonials
“We are very pleased with the successful go live with Instant Payments. This is a big milestone for us and marks the end of a big project. With Instant Payments we meet the increasing demand of our customers to be able to exchange money and process payments instantly, allowing for almost immediate transfer of money between bank accounts.”
Sander Frons
Director LeasePlan Bank
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“By working with Worldline, we can bring European expertise to Austria and combine it with our own know-how. Together, we are in an even better position to provide comprehensive cutting-edge solutions for banks and accompany them along all their challenges in market demand and latest trends.”
David Ostah
PSA Payment Services Austria Managing Director
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“For an outstanding customer experience, the purely digital and thus fast and user-friendly issuing and processing of our card products by equensWordline is an important building block. For example, customers will be able to use the digital version of their Visa debit card for mobile payment right after opening their current account. Additional services can be added flexibly for immediate use. Together with equensWordline, comdirect has succeeded in significantly increasing the user-friendliness of our mobile current account once again.”
Thore Ludwig
Managing Director Banking at comdirect
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“As a cooperative bank, Rabobank wants to contribute to the long-term growth of individuals, sectors and society as a whole. The reliable services of equensWorldline form a strong foundation for our work. This strategic cooperation supports us in further delivering on our mission.”
Nico Strauss
Tribe Lead B2B Services at Rabobank
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“As the central provider of the payment infrastructure, security, innovation and professionalism are critical for us. Worldline supports our innovative projects with global expertise and a pioneering spirit. Together, we look forward to bringing new payment offerings to the Austrian market.”
David Ostah
Chief Executive Officer Payment Services Austria GmbH (PSA)
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“In the twelve years of our cooperation, we have always been able to rely on a competent team and stable payment transaction processing at equensWorldline. With their expertise and deep understanding of our operational processes, equensWorldline allows us to focus on strategic issues and the expansion of our customer relationships. This was one of the determining factors for our decision to extend our partnership.”
Wolf-Rüdiger Braun
Head of Operations at LBBW
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“Due to our long-standing collaboration with equensWorldline we successfully implemented the PSD2 APIs and received the exemption from the fall-back mechanism. Being granted an exemption demonstrates the high level of quality and security of the solution provided by equensWorldline, which is a solid basis for innovation to explore further open banking capabilities.”
Mark Hakkenberg
Board member and Chief Operating Officer, Banque de Neuflize OBC
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“With Google Pay, we offer our customers a modern payment method that is simple, fast and secure. In doing so, it was important for us to integrate well-known services such as our banking app into the user experience. With equensWorldline, we have a long-standing, innovative and reliable partner at our side that is needed for such a complex project.”
Thorsten Reyer
Project Leader Mobile Payment at Commerzbank
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“We selected the Instant Payments Back-Office Processing service, because equensWorldline offers outstanding value for money, a fast time to market and has a track record in offering demanding and critical services". Next to the simple and transparent price structure, we value the modular and future-proof concept of services. With this flexibility we can focus on items where we really can make a difference to our clients.”
Terry Smit
Manager Payments & Savings at de Volksbank
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“Just like us, equensWorldline always puts the customer first. Important factors in our decision for this partner were the seamless continuation of transaction processing and the ability of equensWorldline to rapidly carry out bank-specific projects. Other criteria included its expertise in the card business, fast response times and flexible support.”
Željko Kaurin
ING-DiBa board member
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“The goal of the EPC is the setup of an interoperability framework using the SPL service that allows P2P payment data to be securely exchanged on a pan-European level. We are happy that equensWorldline, as an experienced European provider of secure and efficient payment services, supports us in establishing this new pan-European proxy lookup scheme.”
Etienne Goosse
Director General of the EPC
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“Through the purchase of ‘payment as a service’ from equensWorldline, we have not only gained a reliable strategic partner for our company, but through this we can fully concentrate on our digitalization and the strategic restructuring of Commerzbank 4.0”
Christian Rhino
Divisional Board Member, Group Banking Operations Commerzbank AG
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“We want to modernize our payments infrastructure in order to improve efficiency and be geared for the future developments in the payments industry. Based on its excellent track record, experience and readiness for Instant Payments, the choice for equensWorldline was evident. (…) We are pleased and proud that, by partnering with equensWorldline, we will be the frontrunner for the implementation of Instant Payments in the Caribbean.”
Mrs. Jeanette R. Semeleer
President of the Central Bank of Aruba
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“This project aims at strengthening our leadership position in cash management by offering our customers a modern, secure and instant payment method that will support the development of our innovative digital banking offerings. We chose the Worldline solution because of the relevance of its functional scope and of our successful experience using the Cristal platform.”
Rémi Tanon
Head of Innovation and Market Infrastructure Projects at BRED Banque Populaire
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“The developments surrounding Instant Payments are in line with our goal to modernize the infrastructure and stimulate economic development in Curaçao and St. Maarten. With the introduction of Instant Payments, we are preparing ourselves for future developments in the world of payments. We chose equensWorldline because of their experience and proven track record as the largest Instant Payments processor in the Eurozone."”
Leila Matroos
Executive Director at the CBCS
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