Company Database - Worldline

Worldline is a global leader in payments technology. We help businesses of all shapes and sizes to accelerate their growth journey – quickly, simply, and securely. With advanced technology, local expertise, and solutions customised for hundreds of markets and industries, Worldline powers the growth of over one million businesses around the world.

Website

www.worldline.com

Active since

1973

Head office

Tour Voltaire, 1 place des degrés, CS 81162, 92059 Paris la Défense Cedex

Country offices in

In 40 countries and commercial activities in more than 170 countries.

  • EUROPE: Austria, Baltics, Belgium, Croatia, Czech Republic, Denmark, Finland, France, Germany, Greece, Hungary, Italy, Luxembourg, Malta, Norway, Poland, Portugal, Romania, Slovenia, Spain, Sweden, Switzerland, The Netherlands, Turkey, United Kingdom;
  • NORTH AMERICA: Canada, United States;
  • LATIN AMERICA: Argentina, Brazil, Chile;
  • ASIA-PACIFIC: Australia, China, India, New Zealand, Singapore, Japan, Hong Kong, Malaysia, Taiwan, Indonesia.

Funding rounds and investors

Please refer to https://investors.worldline.com/en/home.html

Number of employees

18,000

Member of industry association and/or initiatives

  • EMVCO;
  • W3C;
  • FIDO Alliance;
  • EDPIA;
  • EPI;
  • MAG (ECB).

Awards

  • PayTech Award: Best Open Banking Provider (2019);
  • Future Digital Award: Gold for Open Banking Innovation (2023).

Contact

infoWL@worldline.com

Core solution

The company`s core solutions

Our solutions ensure secure payments and trusted transactional services along the entire payments value chain, enabling sustainable economic growth. We provide an extensive range of merchant acquiring, payment processing, and business solutions to financial institutions, merchants, corporations, and government agencies. Our continuously growing portfolio of solutions is environmentally friendly and supports trust and social transformation.

What problem does the company solve?

We offer an open platform that enables access to the new PSD2 banking APIs for new services like Account-to-Account Payments, IBAN check, Credit Insight, and Business Financial Management based on our payment initiation and account information services. This platform also allows partner companies to make use of our connectivity to empower them with a European bank reach.

Major use cases & products

Open Banking-powered solutions: Account-to-Account Payments, Credit-Insight, Business Financial Management, Sustainable Banking, IBAN Name Check, PSD2 Compliance Services.

Competitive advantage

#1 Largest payment processor in Europe, serving over 1 million merchants and 1200 financial institutions and offering a comprehensive suite of end-to-end services. In the realm of Open Banking, Worldline simplifies access to more than 3500 banks through a single API, facilitating interactions with a vast network of financial institutions. This combination of market leadership, scale, and seamless access to a wide network positions Worldline as a key player in the financial services industry, providing convenience, trust, and opportunities for innovation.

Types of supported APIs/API standards supported

  • Types: API REST;
  • Standards: Berlin Group, STET, Open Banking UK, proprietary implementations like ING and country-specific initiatives in Europe for local schemes as in Poland and the Czech Republic.

Geographical coverage (operational area)

Europe

Target market

Target segments/industries

Financial institutions (banks and PSPs), merchants, SMEs, corporates, telcos, insurance companies, utility companies, transport companies, governmental organisations.

Current customers

ca. 1.1 million merchants like Accor Hotels, Subway, Total Energy.

More than 320 financial institutions such as BNPP, Société Général, Commerzbank, ABN AMRO, Rabobank, ING, UniCredit.

Technology

Type of technology

Cloud-enabled and on-premise depending on customer preference.

Software language

Java

Software development tools

Java EE, GitLab, Cucumber, WebdriverIO, Jenkins, Docker images.

When was the core technology developed

The Open Banking service is live since 2019 and will be constantly improved and extended.

Licencing

Type of licence

PI (Payment Institution) licensed for services 3 -> 8

Partners

Technology partners

  • Partnership with fintech Algoan to offer next-level credit assessment solution for lenders & service providers.
  • Partnership with Neonomics AS (Nordics) and Finbricks (CEE) to share Open Banking operational ASPSP network access (reach).

Distribution channels

https://financial-services.developer.worldline.com/open-banking-overview

Business model

Pricing model

Transaction-based pricing model

Case studies

Case studies – examples

https://worldline.com/en/home/main-navigation/resources/resources-hub/customers/how-bnp-paribas-is-cracking-down-on-direct-debit-fraud