Worldline Account-to-Account Payments

Expand your payment options in the web shop with Bank Transfer by Worldline, our secure and convenient payment method.

Your benefits by accepting Bank Transfer by Worldline

Take advantage of the growing trend for merchants to increasingly accept digital payments and offer your customers the Account-to-Account Payments solution with "Bank Transfer by Worldline" in your online shop. This new payment method is based on open banking interfaces and will enable your customers to initiate secure and convenient credit transfers directly from their bank account. Super simple for customers, since everyone already has a bank account and no card is required.

Higher conversion

The more payment methods you offer, the lower is the cancellation rate. This increases your sales and your conversion.

High security

Based on PSD2 (payment industry standard) and strong customer authentication your risk of fraud is reduced.

Attractive pricing

No set up nor third party fees (e.g. no scheme fees) apply for this new payment method.

Payment guarantee

Payment transactions are securely and irrevocably processed. Therefore, payments are guaranteed.

User-friendly experience

Seamless shopping experience for your customers in your web shop or via QR code.

Expand your payment options in the web shop

Increase your sales through higher conversion rates and offer your customers a wider range of payment methods. Once activated, the new payment method will appear as Bank Transfer by Worldline with its own payment button in your checkout. It is possible to pay by standard bank transfer or exclusively with instant payment transfer if you wish to get your payment confirmation in just a few seconds.

We connect you with over 3'000 banks in 14 countries across Europe. Whether your business operates online, via app, in-store, pay-by-link or cross-border, we have the solution for you.

Seamless payments

Focusing on payers’ needs we have developed Worldline Account-to-Account Payments. Your customers don't need to provide card details, download apps or do any registration for making purchases and payments.

Your offer

• One single brand across Europe to build trust
• Same payout for all cashless revenues
• Reconcilement and process synergies
• Highest security and payment guaranteed transactions
• No scheme fees
• No setup costs for you

How does it work?

On your Payment Page, the new payment method is displayed with its own payment button: Bank Transfer by Worldline. If your customers select this option, they will be guided through the payment process and connected to their online banking.

Activation of Bank Transfer by Worldline

The new payment method will be automatically activated by Worldline. However, an update of your Saferpay Payment API to at least version 1.38 is required for your web shop. Otherwise, Bank Transfer by Worldline will not appear in your checkout. Thus, please ensure that you have integrated the new API interface into your online shop. If you have any technical questions, please refer to our Saferpay documentation or contact our Saferpay Integration Support via e-mail.

Saferpay Integration Support

Questions?

Technical documentation & instructions

Find out more

Visualise Bank Transfer by Worldline in your web shop

Take advantage of our assets, such as banners, the Bank Transfer by Worldline acceptance logo and guidelines on how to properly display it in your online store or e-commerce application, which are available in our marketing toolbox.

Download marketing toolbox

FAQ

Account-to-Account Payments is a new payment solution that Worldline is offering based on the Payment Services Directive 2 (PSD2). The customer-facing brand is Bank Transfer by Worldline and allows customers to initiate payment orders directly from their bank account without using a payment card.

Account-to-Account Payments is carried out with both classic bank transfer as well as instant payment transfer, depending on the availability of the payer's bank. Standard credit transfer has an expected completion time of 1-3 workdays. Instant payment transfer provides a faster payment confirmation in just a few seconds, but fewer banks are available and a fee may be charged to the payer. We offer the option to have Account-to-Account Payments exclusively with instant payment transfers.
Account-to-Account Payments transactions processed by Worldline are equally secure as 3-D Secure card payments and pay buttons due to strong customer authentication. Account-to-Account Payments transactions are more secure:
- than non-3-D Secure cards, cheques, SDD
- when associated with instant payments
Saferpay Payment API integration is required. Please make sure that your interface is updated before the activation. For more information, see our Saferpay Payment API specifications. If you need help, please contact our Saferpay Integration Support:

integration.saferpay@worldline.com
Account-to-Account transactions are charged a commission-rate of 0.35% + EUR 0.25. There are no setup costs for you.
The default payment method for Account-to Account Payments is standard credit transfer, which has an expected processing time of 1-3 working days. If you require immediate confirmation of payment completion, we can switch to instant credit transfer, which typically completes in just a few seconds. Please contact cs.ecom@worldline.com to activate only instant payment transfer or to get further information about this option.
Yes. Account-to-Account Payments is available for all Saferpay solutions. Saferpay Secure PayGate is needed to handle Single- and Multi-Use Payment Links. The link can be sent via e-mail or QR code and it can also be scanned by the payer in-store.
The payouts will be received together with the overall settlement according to your contract (typically D+1) in one bulk payment including all other payment methods for which you are using Worldline as your acquirer.

Want to know more about Account-to-Account Payments?

Don't hesitate to contact us! We will be delighted to advise you.