Processing all payment types including instant
 
Increase efficiency and ensure easy compliance
 

        

    

    



    

    Accès aux rubriques
    





    

        

            
   

    

    

        

    Simplify your back-office payments processing
    
    













    
Payment processing is a fundamental part of the services banks provide to their clients. But it is also highly complex. Developments such as the introduction of instant payments, new regulatory obligations coming from the PSD2 Directive and increasing customer requirements force the industry to reshape payment processing drastically. This leads to serious challenges for banks, and puts pressure on margins. 


As your specialized partner in payments back-office processing equensWorldline can help you with these challenges. We make sure that all required steps in the process are taken care of, efficiently and in real time. This includes receipt of the payment instruction, validation, enrichment, compliance checks, generation of debit/credit entries, submission for interbank settlement, and client reporting. While we perform processing of your payments, you can stay focused on your core business.






    






   
















   

    

    

        

    Our Payments Processing Back-Office services
    
    









    






    

        

    

        
    

    

        

            
            
                SEPA and Domestic Payments
            
        

        
Efficient processing of your bulk payments 

    





    

        
    

    

        

            
            
                Instant Payments 
            
        

        
Accelerate your time to market for instant payments 

    





    

        
    

    

        

            
            
                High-Value Payments
            
        

        
Providing the certainty you require for transfers of large amounts 

    





    


    

        

    

        
    

    

        

            
            
                Multi-Currency Payments
            
        

        
High straight-through processing rate with flexible fee structures  

    





    

        
    

    

        

            
            
                SWIFT Services
            
        

        
Exchange files and messages in an efficient, reliable and secure way 

    





    

        
    

    

        

            
            
                Compliance Services 
            
        

        
Ensuring compliancy checks for your payments 

    





    






   
















   

    

    

        





    






    

        





    


    

        

    
    

        Client reference
        
        
        
Degussa Bank AG faced the challenge to modernize its payments processing infrastructure and after careful consideration decided to outsource their end-to-end payments processing to equensWorldline SE. This includes SEPA processing, cross-border payments, high value payments, compliances services, investigations, archiving and additionally a full channel service suite including SWIFT service bureau, corporate access and paper based payments. Degussa Bank decided to make use of our payments processing back office platform because it provides a wide range of real-time monitoring and processing functionality including instant payments.

        
        
    





    





   

    

    

        




    
Christian Rhino, Divisional Board Member, Group Banking Operations Commerzbank AG


Through the purchase of “payment as a service” from equensWorldline, we have not only gained a reliable strategic partner for our company, but through this we can fully concentrate on our digitalization and the strategic restructuring of Commerzbank 4.0.






    

        
    

    

        White paper
        
        
Enabling innovation through payments platform transformation

        
In this whitepaper, we examine how a rapidly changing financial environment is urging banks to rethink their business strategies and back-end operations. 

        Download whitepaper
        
    





    






   

















    

        

    

        
    

    

        

            
                Are you looking for a software solution rather than business process outsourcing?
            
            
        

        
Please visit our Payment & Liquidity Hub solution page. 

    





    






   
















   

    

    

        
   

    

    

        

    Functionalities
    
    








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  • Supporting all payment types: Domestic Payments including full SEPA coverage (SCT, SDD and SCC), Instant Payments, Multi-Currency and High-Value Payments and Checks
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  • Ensuring compliance with applicable rules and regulation, also for local schemes
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  • Offering additional supporting services, like archiving, reporting or sanctions filtering
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  • Using proven real-time processing platform, which is always open, always on
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  • Full integration with bank’s applications for balance checking, booking entries and sanctions filtering
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  • Simplified connectivity from client channels through back-office and to any Clearing & Settlement Mechanism, via business integration layer
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  • All transaction data can be viewed via an intuitive white-label GUI with graphical dashboards or can be retrieved using API technology
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  • Operational model supports a broad range of operations from software licensing, hosting and Application Management to full Business Process Outsourcing
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    Values for our clients
    
    








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  • Reduce your IT and Operations costs in the payment back-office through economies of scale
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  • Remain focused on your core business, while we handle your payments processing
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  • Enjoy guaranteed compliancy with all applicable regulations, at all times
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  • Introduce new products or functionality to your clients with short time to market
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  • Leverage the newest technologies while avoiding long-term IT infrastructure investments
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  • Stay fit for future product/IT innovations in a continuously changing environment
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Jürgen Eckert, Chairman Board of Directors Degussa Bank AG


Working with a single provider that covers the entire value chain enables us to reduce costs and complexity significantly. Direct communication, quick response times and optimized provider management are among the benefits.






    






    

















   

















    

        

    

        

            

                
            

            

                
Contact our expert

                Bruno Chataigner
                Product Marketing Manager
                
Bruno has been leading Regional and Global initiatives for 20+ years in both Banking and FinTech industries on Payments and Cash Management value propositions, located in various European countries. He’s currently responsible of the Back Office Processing Product suite for Banks and related, as part of the Business Process Outsourcing offering. Bruno holds a Master in Finance and MBA (with Distinction) from both ESSEC Business School and Mannheim Business School.

                Contact Bruno
                
            

        

        
            

                

                    expert
                

                
Bruno Chataigner

                
Product Marketing Manager