Worldline e-Payments Challenge Hackathon


Co-innovate with Worldline’s customers and experts!

The e-Payments Challenge is a large-scale event which offers Fintechs the opportunity to work and co-innovate with the leaders in their industries and aims to invent the future of payments. With this hackathon, Worldline is inviting Fintechs to collaborate and create together, during 48 hours, tomorrow’s e-payment solutions. The objective is to combine Worldline’s and Fintechs’ assets to design the best solutions to the business challenges submitted by customers. Worldline will jointly pursue the opportunities and build a partnership with the winning Fintech of each challenge.

2018 edition, the first e-Payments Challenge

Worldline’s first external Hackathon took place in Paris from the 26th to the 28th of September.
Read our blog article to discover the winners

Stay tuned for the 2019 edition…


Discover the event in video.


Challenge 1: European retailer

Seamless payment experience in-store

Create a great and frictionless shopper check-out experience in store!

Build an innovative customer journey with faster and easier payments while using existing and next-generation technologies in a smart way.

The objective is to make the act of payment disappear.

Target: Consumer in a brick&mortar store

Provided data: Worldline assets and a high level explanation on how it's work in a shop, from merchant point of view.




Challenge 2: Nordics Bank

Integration of receipts and payments transactions.

 Most flexible bonus system between merchants and banks especially in GDPR world.Create a great and frictionless shopper check-out experience in store!

Reinvent the Loyalty Management interface between merchants and banks in a GDPR world

The payments interface between customers, merchants, acquirers, and banks is now rich with new possibilities. Individual products support new payment types (contactless, etc), new connectivity options (NFC, Bluetooth), loyalty and e-receipt schemes. Combine this with new regulatory opportunities such as PSD2 as well as GDPR and the customers' rights to their data. Can you take all these elements and redefine the relationship and flow of value between them, to break open the closed silos of merchants, acquirer, and bank data?


• End-user: the customer of a bank and merchants

• A bank issuing payment channels and serving merchants

• Merchants interested to attract customers and increase sales




Challenge 3: International Hospitality group

Challenge 3.1 : Seamless guest consuming experience.

 Challenge 3.2 : Community payments

Seamless guest consuming experience

Enrich the guest payment experience when consuming at hotel/restaurant, bar, wellness center,... in a hotel by using next generation technologies: biometrics technology...

Target: Guest consuming goods and services in hotel premises.

Community payments

How to share the bill and pay at restaurant and in a bar in a smart way?

A group of persons in a restaurant wants to share the bill. It takes time to split the bill and make several payments. Innovation could come from a connected table including a payment functionality.

Target: Consumers in a restaurant or bar.




Challenge 4: Telco company

Instant payments in Telco world

Direct Carrier billing revolution

CarrierBilling allows users to make purchases by charging payments to their telecom bill (postpaid customers pay their bill with SEPA direct debit). Consumers can use it to buy content only limited to 50€/transaction or 300€/month (not services or physical goods).

Mobile operators guaranty the payment even if they are unpaid.

PSD2 and Credit Transfert should solve all this limitations.

We want to revolution mobile payment and carrier billing with a more efficiant process to bill, not based on consumer’s invoice but on credit transfert directly from customer’s bank account.

With PSD2 tools, we expect you to imagine the best customer experience.

Target: Telco provides a B2B2C payment service. Targets are both end users how pay with their mobile phone, and application/merchant.




Challenge 5: French bank

New payments means





Challenge 6: Virtualized management of fleet cards

Digitization of the current private cards, with self-management capabilities in order to reduce risk and fraud while achieving cost savings

The company issues private cards for professionals. Companies that use these means of payment are demanding the ability to provide their employees self-managed virtualized means of payment. This evolution allows an improvement for all the actors of this ecosystem: Cepsa, Professionals and employees, improving costs and fraud risk management.

Objective: Digitization of the current private cards, with self-management capabilities in order to reduce risk and fraud while achieving cost savings.

Target: Target users are professionals from small and medium-sized enterprises who want to facilitate these self-managed digital means of payment to their employees.



Challenge 7: B2B e-commerce payments

Accepting payments in on-line B2B context without problems of cards payments

Accepting payments in on-line B2B context without problems of cards payments (cost, thresold, possibility) but with similar payment guarantee while selling on-line a product or service that costs a few thousands euros.

Target: e-merchants that target small businesses as customers.


Co-innovation for payments

The Fintechs CopSonic and iBilly both win of the first Worldline e-Payments Challenge.
Read more

Payment co-innovation: Worldline invites Fintechs to invent together the future of payments by participating in its first e-Payments Challenge

Read more