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Business
The Group’s business
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Worldline
2016 Registration Document
Thorough lab testing and ISO
9001:2000 certification help
which are designed to have a long working life.
guarantee the manufacturing quality of Worldline terminals,
with an emphasis on product design, high security, and
The Group continually renews its range of terminal products,
reliability. The Group’s terminal range includes:
the Group’s YOMANI ranges of countertop terminals, which
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environments. It includes the new YOMANI Touch terminals,
are designed to ensure fast transactions in large retail
which incorporate a large full-color touch screen and
contactless reader;
the Group’s YOXIMO ranges of 3G and 2G enabled mobile
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POS terminals;
the range of terminals for unattended environment XENTEO
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resistant to vandalism and bad weather, has been
ECO, XENOA ECO, YONEO and XENTIM terminals, which are
including a large touch screen for a new customer
completed by the new VALINA, based on Android and
couponing and mobile loyalty; and
experience and supporting complementary services like
the Group’s YOMOVA, a compact all-in-one terminal, which
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YOMOVA is designed for restaurants and shops.
the Group offers in a countertop and a portable version.
through applications such as its XENTURION POS terminal
The Group’s terminals also support remote management
management of terminal fleets.
management system, which allows batch updating and
than renting or purchasing a dedicated POS terminal, this
terminals. Because this solution is less expensive to implement
merchants, start-ups and small businesses that make in-home
solution is well-suited as an entry-level solution for micro
run cash register software on a tablet and are connected to an
deliveries. The Group also provides cloud-based solutions that
mPOS or a traditional payment terminal.
together with an application for mobile devices that allows
The Group also proposes a mobile point of sale (mPOS) device
smartphones and tablets to be used as mobile payment
Adler, OBI, Aldi Süd in Germany, Albert Hein, Hema, and H&M in
distributors in Belgium.
the Netherlands as well as multiple electricity, oil and gas
Some of the larger direct customers for Worldline’s payment
France, Carrefour, Colruyt, Delhaize and Fnac in Belgium, Citti,
terminals include large retailers such as Casino and Darty in
Hardware SecurityModules (HSM)
Worldline designs and develops hardware security modules for
where advanced encryption is required, including the
cryptographic purposes that are used in a range of applications
credit cards. The ADYTON is the more recent device produced
generation and encryption of PIN codes and the production of
by the Group. ADYTON uses advanced cryptographic
PIN-generation, transaction processing, digital signature and
accelerators for outstanding speed and security in
data protection.
Omnichannel payment acceptance
6.5.1.3
all the point of sales of a retailer, whatever the channel.
acceptance services allowing to concentrate all the payments of
Merchants allowing them to accept payments on their point of
The Group’s Acceptation services activity covers all the needs of
payments (m-payment) thanks to Worldline Sips, its
sales. It includes online payments (e-payments) and mobile
omni-channel payment acceptance service, centralized
Acceptance Services
Worldline Sips – Cross-Channel Payment and
multi-channel payment gateways. Sips allows merchants to
The Worldline Sips offering is one of Europe’s leading
manages the transaction during its lifecycle.
accept payment methods used for purchases on their site and
As a cross-channel payment gateway that complies with PCI
enables merchants to accept over 50 payment types including
data security standards for protecting cardholder data, Sips
private label payment cards. The offer can be adapted to several
credit and debit card, bank transfers, electronic wallets and
response…). It includes a wide range of features, including
payment channels (e.g., web, mobile, tablet, integrated voice
enhanced authentication and DCC (dynamic currency
one-click payment, recurring payments, fraud detection,
conversion) to merchants.
also directly to large merchants under the Sips brand. The
financial institutions (like Société Générale and BNP Paribas) but
United Kingdom and Germany in 2016, and will continue to
Group successfully introduced the offering in the Benelux,
acquisitions made during the course of 2016.
focus on the internationalization of the offering via the
The Group provides Sips as a white label solution mainly to
whom the Group directly provides online and mobile payment
Examples of some of the larger online payment customers to
Cineworld, many British rail companies.
services using Sips include SNCF, Cdiscount, McDonald’s, HMRC,
Central acceptance
acquirers. Central acceptance is a major step allowing
payment scheme in order to get better financial conditions from
merchants to move towards omni-channel transactions.
merchants in order to concentrate all their payments through a
The group also provides Acceptance services for multi-channel
standardization of the solutions in the point of sales and the
single platform for face-to-face and online payments. Besides the
payments allows new payment usages like web-to-store,
reductions of the suppliers for the merchants, concentration of
management efficiency, a global management of all the
store-to-web and web-in-store, an increase of fraud
payment activity, dynamic choice of the acquirer or of the
The Group’s principal clients within this business activity include
Casino and Darty.