52 / 354
6
Business
The Group’s business
52
Worldline
2016 Registration Document
Merchant Aggregator
e-commerce Merchants like Sub Merchants. The Group is
developing its offering based on two different models:
The Group offers Merchant Aggregator services in India
Aggregators are treated like a Super Merchant by the banks and
leveraging on its bank relationships where Merchant
Core aggregation, where Worldline undertakes end-to-end
●
along with settlement and payment;
aggregation from merchant sourcing, risk underwriting
and underwrites risk, partner banks settle merchant
Hybrid aggregation, where Worldline sources merchants
●
payments – key differentiator between WL and competition.
as a Super-Merchant allow Sub-Merchants to accept credit card,
Merchants) can process their payment transactions. The Group,
setup a Merchant account directly with a bank. The Group
debit card, various cash cards, bank transfers without having to
via credit cards, stored value cards, bank transfers. The
provides the means for facilitating payment from the consumer
cycles. The Group provides the Hosted Payment Page and
Sub-Merchant is paid by the Group on the agreed payment
Sub-Merchants.
underwrites the risk and passes the risk or liability to the
As a Merchant Aggregator, the Group is a Super Merchant
through which individual e-commerce Merchants (Sub
Online Services
6.5.1.4
The Group’s Online Services division covers the full digital
channel solutions using the Digital Retail offerings to the
commerce lifecycle for Merchants from webshops and omni
(e-Payment and mobile payments).
acceptance of face-to-face payments and online payments
Digital Retail
The Digital Retail offers include the following components
Web shopping
improve digital retail shops, with a strategic focus on
The Group helps merchants design, implement, operate and
channels used by large retailers allowing simple, personalized
omni-commerce solutions that cover the full range of sales
customers.
interactions at the time and on the channels required by the
channel.
websites on behalf of its merchant clients, which include leading
The Group manages around one hundred of digital retail
processed up to 2.7
million orders per month through this
French large-scale retail distributors. In 2016, the Group
in France, Spain, the United Kingdom and Belgium. The Group’s
Worldline currently offers its omni-commerce solutions primarily
own e-Commerce website,
redspottedhanky.com, through
omni-commerce solutions also include revenue generated by its
and other travel-related purchases.
which the Group receives commissions on sales of train tickets
Merchant Wallet
identification (like loyalty, self check-in, couponing…)
payments easier but also any kind of services requiring an
The Merchant Wallet is a secure container of identity making
reduce fraud and strengthen the merchants’ customers
The group helps merchants to increase their conversion rate, to
simplifies transactions with a one-touch payment and an
engagement with the Merchant Wallet. The Merchant Wallet
security. The group’s merchant wallet is managed in a
enhanced shopper experience without any compromise on
smartphones) with an enriched, personalized and seamless
centralized platform available on several channels (internet,
experience.
HCE (host card emulation) to manage uniquely remote
The group’s Merchant Wallet includes three main differentiators:
allowing online provisioning of cards into the wallet; a contextual
payments and proximity payments in the same wallet container
experience, calculated on risks based fraud detection and
and adaptive authentication to improve the shopping
identified transactions; security improvements with a white-box
requiring a trusted authentication (several factors) for high risk
cryptography and a software tamper resistance.
Merchant Wallet is used for instance by Accor, Mc Donald’s
France and a major petrol company.
Digital Signage
allowing giving autonomy to End-customers in-store.
scheduled publications, prices and promotions modifications
help companies (like retailers, hotels, bank agencies) promote
The Group’s end-to-end data-driven digital signage solutions
promotions cross-channel. The Group works closely with
shopper or customer engagement and offer targeted “in-store”
partnered with Metro to help heads of departments to manage
partners in developing these services. As an example, Worldline
and centralize communication to customers with real-time and
Connected Store
existing digital ecosystem. The combination of connected stores
(commerce anywhere) for the customer no matter where he is
and online experiences (like webshop) allow a seamless journey
retailers like Sephora.
(home, street or store). The group provides Connected Store to
In addition to the signage providing content information or
that transforms a marketing touchpoint into a new sales
dynamic content, the Group also proposes the Connected Store
touch points in order to boost sales and reinforce customer
channel: the connected store interacts with customers on digital
an open and modular solution that can easily integrate an
engagement with an enriched and personalized experience. It is
Digital platform
The Digital Platform is a real-time oriented, scalable and secure
marketing applications. It allows to merchants a progressive
core platform linked with commerce, payment, data and
digital approach by connecting new applications to legacy
business applications, unique referential and business data to
assets in an easier and cost-effective way and orchestrating
enhance the user experience.