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IRIS Service

A new era in instant payments

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Accept instant payments on your terminals – both in your physical and online stores – directly from your customers’ bank accounts with the new IRIS service.

Benefits of the IRIS Service

The IRIS service by Worldline enhances the way you accept payments, both in-store and online, expanding your business potential through fast, secure, and card-free transactions.

Secure transactions

Payments are completed within the secure banking environment — no card required.

Wider customer reach

Offer your customers even more ways to pay, directly from their bank accounts.

Simple & seamless payments

Instant confirmation for every transaction on both physical and online terminals.

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Easily manage IRIS transactions with Cardlink apollo

In partnership with Cardlink, a Worldline brand, you can now monitor all IRIS transactions from the Cardlink apollo platform — with real-time visibility, clear reporting, and secure access for your business.

Connect to Cardlink apollo
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Activation Instructions

Stay informed about the technical requirements for activating the IRIS service and any actions your business may need to take, depending on your payment solution.

Download the instructions

Frequently Asked Questions about Worldline’s IRIS Service

  • Yes. According to Law 4446/2016 (as amended), starting from October 31, 2025, all businesses in Greece will be required to accept instant payments.

    Worldline Greece provides you with the ability to accept easy and secure instant payments via the IRIS service, through your POS terminals or online stores — directly from your customers’ bank accounts, without using a card.

  • When a customer selects IRIS as the payment method, they are redirected to their bank’s secure online environment or mobile app to complete the payment. The transaction is then instantly confirmed, and the funds are credited to your account within seconds.

    In case of refunds or partial refunds, you can process them easily through your existing payment management system.

    Please note: IRIS supports all standard payment types, including MOTO (Card-not-present) transactions where applicable.

  • The IRIS service is supported across the main payment channels of your business:

    • Physical POS terminals
    • Smart POS app
    • e-Commerce Gateway (for both Redirect & Direct integrations)
    • Payment Link

    If you’re already using Live-Pay for e-invoicing and mass payments, it’s also compatible with IRIS.

  • There is no limit to the payment amount you can accept through IRIS on your terminals, as long as your system supports the transaction.

  • All IRIS transactions are settled directly and instantly to your business bank account.
    This means that your funds are immediately available in your account, without intermediaries, ensuring transparency and seamless accounting management.

  • You can monitor and reconcile all IRIS transactions for your business using the following tools:

    • Physical POS terminals: From the menu, go to Transaction Management → Batch Totals / Transaction Log.
    • ePOS / Back Office tools: Access your reporting environment to view IRIS transactions and summaries.
    • Cardlink apollo: Through the digital platform Cardlink apollo, you can view all IRIS transactions from both your physical and Android POS devices — with clear reporting, filters, and downloadable summaries.

  • To register and access the Cardlink apollo platform, follow the step-by-step registration guide available here.

  • Yes. IRIS transaction statements are available monthly via the same channels where you currently receive your POS settlement statements.
    They include all transaction details, settlement information, and any applicable fees or commissions.

  • If IRIS is not displayed as a payment option on your terminals, please contact your technical support team.

  • No. All necessary updates and notifications to the IAPR are handled automatically by Worldline Greece.

  • Worldline Greece will inform the cash register and ERP providers that already interface with its systems to ensure IRIS compatibility.
    If you are using a third-party system, please contact your provider to confirm that the integration supports IRIS instant payments on your terminals.