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Business Financial Management

Automate your clients’ accounting and treasury tasks with open banking

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Our solution helps banks and software providers to manage daily financial tasks of their clients effectively

With one integration, accounting software providers and banks will be able to access more than 3.500 banks across 21 European countries. The Worldline API provides standardised account information in real -time and allows to initiate single and bulk payments, including Instant SEPA payments. Banks can also benefit from a cash management solution designed especially for small and medium-sized enterprises (SMEs) clients and fully integrated into Worldline’s banking offering.

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For banks

Offer Business Financial Management solution to your SME clients as part of your digital suite. We provide with the best-in-class and highly customizable multi banking portal with real-time cash positions overview, cash forecasting, sweeping and financing capabilities:

 

  • • An aggregated view of SME finances across all bank accounts and entities
  • • The real-time banking data imported automatically and securely
  • • Activity summary by category (e.g. income, expenses) with the ability to drill down
  • • Company’s cashflow prediction based on historical and invoices data and manual corrections
  • • Cash pooling for cash positions optimization
  • • Link to bank’s financing / investment solutions based on cashflow forecast results.
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For software providers

Use WL Reach API to access bank accounts and initiate payments from your software. With one simple integration you will unlock unlimited usage possibilities while fully controlling user experience:

 

  • • Import clean, structured and enriched banking data of your clients for accounting and reconciliation purposes
  • • Get overview of company’s cash positions across multiple banks and entities
  • • Request payments of sales invoices
  • • Pay outstanding supplier invoices and other company expenses (e.g. tax, payroll etc.)
  • • Issue reimbursements to company’s clients
  • • Receive push notifications on payment execution
  • • Access to more than 3500 banks in 21 European countries

One solution, multiple benefits

For businesses

  • 'One-stop-shop’ user experience
  • Control over cashflow with real time data and insights
  • Automation and efficiency gain
  • Security and access control
  • Audit compliance

For banks

  • New SME customer acquisitions and loyalty
  • Additional revenue stream
  • Cost effective
  • Fast time to market
  • Integrated with other banking solutions

For software providers

  • Ability to enhance your product offering and stand out in competition
  • Access to real time data and Instant payments
  • Simple and secure integration
  • Cost effective
  • Fast time to market

Our solution is comprehensive, secure and it works!

Coverage

We cover 3500+ banks in 21 European countries and the number is constantly increasing.

A wide range of use cases is already supported, and additional functionality can be added on demand.

Security

Our Reach API is secure by design. Each transaction is logged and traceable. 

Partnership

We value long term partnership. That means that you will get dedicated resources to ensure your successful onboarding and fruitful collaboration.

Innovation Ecosystem

When using WL’s technology, you will also tap into a house of payment innovations to help build the optimized business case.

How Instant Payments and PSD2 can optimize Corporate Cash Management

The combination of Open Banking and Instant Payments creates a wealth of opportunities. This video shows how automated liquidity management becomes possible in this new era.

Further resources

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See how you can better understand and monitor your financial positions.

Get in touch to learn more and let us know how we can assist you. 

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    • Why choose Worldline?

    Trusted by banks

    Operating for over 4 decades, we work with many of Europe’s leading financial institutions. 

    Scalability

    We process over 20.6 billion payments transactions each year thanks to our expertise in local markets and international payment methods. 

    Improved time-to-market

    Accelerate innovation and shorten your time-to-market to meet and exceed customer expectations. 

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