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Business
The Group’s business
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Worldline
2016 Registration Document
SEPAValueAdded Services
The Group offers a full set of SEPA value added services and
a complete SEPA payment service suite around their business
solutions, which gives financial institutions the freedom to build
model.
transaction costs. The services also allows financial
allowing to fully control direct debits and lower total
and settlement blocks, settlement caps, and the facility to
institutions to minimize risks thanks to enhanced clearing
bank blocks;
define blocks such as country blocks, collection blocks and
Debtor and Creditor
Bank Modules; provide user-friendly,
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web-based options for R-transactions (e.g. rejects, refusals),
service for queries concerning processed transactions;
Support services; the Group offers an effective inquiry
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settlement, positive validation, positive cancellation and
recap clearing;
benefits of comprehensive reports, including positive
Reporting services; financial institutions can reap the
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Specific business services; services such as character
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enhancement of error codes;
filtering, calculations of refund compensation and
as BIC/IBAN validation, account validation and bank
Country-specific Value Added Services (VAS); services such
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switching services;
A few examples of clients are: OP, ABN AMRO.
Payments Processing Back-Office Solutions
solutions that allows financial institutions to outsource their
The Group has an extensive portfolio of secure, cost-efficient
institutions to substantially reduce their total cost of ownership
back-office processing for payments. This enables financial
pace of change in the payments industry (new innovative
while relieving them of the burden to keep up with increasing
comprehensive portfolio includes the following services:
payment instruments, new regulations, etc.). The Group
payments;
Mass Payment Processing; SEPA and domestic non-SEPA
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Multi-Currency Payment Processing; Cross-border payments
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payments with currency conversion;
(with or without currency conversion) and domestic
export and import check collection processing;
International check collection; a full service portfolio for both
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urgent payments via TARGET2 or EURO1;
High-Value Payment Processing; processing high value and
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processing, connectivity services, manual handling.
Additional services like archiving, embargo and FATF
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A few examples of clients are: DZ Bank, LBBW, SEB.
Corporate Payments
which enables corporates and service agencies to submit
Corporate Payment Services (CPS) is a convenience service
transfers and SEPA direct debits for multiple banks in a single
directly to equensWorldline large volumes of SEPA credit
message and file format via a single type of connectivity.
The Group offers CPS to service agencies & financial institutions
and they offer it to corporates.
A few examples of clients are: Bank of America Merrill Lynch
International, Citibank, BNP Paribas.
Payment Innovations
and governments are changing driven by regulation, digitization
The behaviors and payments needs of consumers, businesses
blockchain, biometrics and tokenization). Payment users expect
and new technologies (incl. near-field communication,
branches, internet and mobile
– with real-time access to and
a single user experience across multiple channels – POS, ATM,
at the highest levels of privacy and security. These
control over their payment transactions and account balances
developments support new business models and payment
domain are: access to account (XS2A) and instant payments.
innovations. Two examples thereof in the payment processing
Access toAccount (XS2A)
model and use XS2A to accelerate their digital transformation.
incumbent banks if they adapt their business and operating
The revised EU Payment Service Directive (PSD2) caters for
this means that banks need to open up their infrastructure and
access to bank accounts by third party providers. Specifically,
disruption of incumbent banks by flexible and innovative service
allow third parties access. Access to account can lead to
providers, but it also provides business opportunities for
verification or address verification services.
compliant to the revised PSD2 by offering a standardized XS2A
The Group not only supports financial institutions in being
banking-as-a-platform to financial institutions by providing Third
solution and harmonized processes, but actively supports
(APIs) in a developer portal and integration tools for merchant
Party Provider services with Application Programming Interfaces
mandated in PSD2, driving innovation, as for instance, age
websites. Services can easily be extended beyond those
Instant Payments
Across whole Europe and even beyond, the banking sector is
funds take up to one business day or more to be available on a
developing new infrastructures for instant payments. Whereas
payments are used, instant payments are processed within
payee’s account when credit transfers, direct debits or card
models such as mobile P2P.
seconds. Instant payments enable new innovative service