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Worldline Review: Fees, Complaints & Lawsuits

  • April 17, 2022
  • By Payments Industry Analyst, Phillip Parker
  • Leave a User Review
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see who will offer you the lowest pricing and best service

Rating

 3.5/5
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Website
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(678) 456-1200

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Rating:
 3.5/5

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(678) 456-1200

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European Credit Card Processing Giant

Founded in 1970, Worldline is a French multinational credit and debit card payment and transactional services company. Previously known as Atos Worldline, in 2019 the company gained financial autonomy as a result of the Atos Group redistributing a portion of its Worldline shares back to shareholders. Worldline is a sizable European merchant services company, likely the largest in Europe. It boasts an estimated 20,000 employees and processes billions in transactions annually.

In 2018 Worldline began a series of acquisitions starting with SIX Payment Services. Since 2020, The company has acquired the French point-of-sale hardware company, Ingenico, as well as Czech payment gateway specialists GoPay. Worldline now also owns Canadian-based payment processor Bambora, which had been acquired by Ingenico. While SIX Payment Services initially continued to function under its original business name, it now appears that Worldline is consolidating all of its acquisitions under its own name and phasing out subsidiary brands. In 2022, Wordline closed on a commercial acquiring license with ANZ Bank of Australia and completed a partnership with BNL and acquired Axepta of Italy. They also became the first acquirer to enter a full-scale multi-country integration with Alipay+. Worldline also sold its terminal business to Apollo Funds while maintaining a relationship with the company.

Worldline Payment Processing

The company offers a wide array of merchant account services including in-store and online payments, card payment terminals, digital banking, and customer engagement solutions. Worldline also appears to be focusing more efforts into digital platforms that handle transactions and digital authentication for businesses, as well as fraud protections. In 2020 after its acquisition of Ingenico the company announced that it would shift away from conventional point of sale systems and payment terminals to focus its effort on digital payments and software as a service (SaaS) solutions.

Worldline Location and Ownership

Worldline has dozens of locations throughout the world, with its corporate headquarters located at Tour Voltaire 1 place des degrés CS 81162 92059 Paris la Défense Cedex. The CEO of Worldline is Gilles Grapinet. Worldline is a registered ISO of Wells Fargo Bank, N.A., Concord, CA.

Worldline Review Table of Contents

  • Costs & Contract: Does not openly advertise rates and fees but costs are estimated to be…
  • Complaints & Service: We’ve located a handful of Worldline complaints on online complaints forums.
  • BBB Rating: Does not have a BBB profile but various forums rate the company…
  • Sales & Marketing: Appears to heavily utilize independent sales agents, which can…

 

Worldline’s main financial services.

Should You Trust Worldline?

Lawsuits, Reviews & Complaints

Complaint Summary

Total Online Complaints 10+
Live Customer Support Yes
Most Common Complaint Equipment Issues

No Serious Complaints as Bambora or Ingenico

Worldline complaints are very few for a company of its size, which isn’t surprising considering the young age of the brand. Looking at the former companies that were acquired by Worldline, we also see very few major complaints. Bambora and Ingenico rated as a solid choice for payment processing in our previous reviews. If you have a Worldline complaint, please leave it in the comments below.

Equipment Concerns as Atos Worldline

Stemming from earlier complaints registered to Atos Worldline, there are a handful of reports of faulty point-of-sale systems and other payment terminal problems. We were able to locate over half a dozen reports of equipment issues. This feedback might be one of the contributing factors to Worldline attempting to move away from physical point of sale systems.

Worldline Lawsuits, Fines, & Government Actions

We have not found any outstanding class-action lawsuits or FTC complaints filed against Worldline. Dissatisfied merchants who wish to pursue a non-litigious course of action against the company should consider reporting it to the relevant supervisory organizations and by leaving a review of your own in the comment section of this article below.

Ingenico Payments became party to a lawsuit filed in the Northern District of Georgia on December 20, 2018. The plaintiff of the suit, AnywhereCommerce, alleges that Ingenico committed illegal business practices during the bidding process to acquire a First Data contract for the sale of POS equipment. The suit also alleges that Ingenico illegally acquired trade secrets from Hong Kong-based POS equipment manufacturer BBPOS, who had previously negotiated a license agreement with AnywhereCommerce.

Worldline Customer Service Options

Worldline’s customer service options vary heavily by region. Worldline maintains dozens of offices throughout the world, and generally the local contact number is available through their website. Canadian business owners might find themselves contacting a Bambora office, while the rest of the Americas were potentially served by Ingenico offices.

We were able to locate multiple dedicated Worldline customer service numbers:

(855) 299-0025 – Worldline Canada Customer Service
+3 314 225 5754 – Worldline France Customer Service

Is the BBB Rating for Worldline Accurate?

Better Business Bureau Profile

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see who will offer you the lowest pricing and best service

No Profile

Worldline does not currently maintain a Better Business Bureau profile page.

How Expensive is Worldline?

Rates, Fees, and Contract Terms

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Cost Summary

Swiped Rate Variable
Keyed-in Rate Variable
Early Termination Fee Undisclosed
PCI Compliance Fee Undisclosed
Equipment Lease Terms Undisclosed

No Available Merchant Account Pricing

Worldline rates are not clearly advertised online. While business owners may be able to get an idea of equipment and processing costs by referring to our Ingenico and Bambora reviews, we currently have no up-to-date information on Worldline merchant service contracts. Ingenico was historically equally evasive with pricing information and Bambora offered tiered pricing packages with competitive merchant account rates.

Business owners who have used card payment services through Worldline are encouraged to leave a comment below describing their experience and costs. As always, we encourage you to compare rates and contracts from the best merchant services providers.

Does Worldline Use Deceptive Marketing?

Advertising & Sales Strategy

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Key Points

Employs Independent Resellers No
Advertises Deceptive Rates No
Discloses All Important Terms No

No Evidence of Independent Sales Teams

Currently we cannot locate any concerning job posts or Worldline complaints indicating they utilize independent or outside sales representatives. We also cannot locate any complaints directly related to its sales practices or indications of misleading quotes.

This compares favorably to our list of best credit card processors.

Worldline Contract Terms

Worldline does not directly advertise its contract rates for merchant accounts or for equipment. We strongly recommend reading all legal documentation and contracts thoroughly before signing. If any of our readers have a recent example of a Worldline contract, please comment below.

Does Worldline Deserve Your Business?

Review Summary & Our Thoughts

Bottom Line

Worldline is a massive European merchant services provider and credit card processor. The company has very few customer reviews reporting service-related issues. It has recently begun acquiring companies around the world to increase its market share. Worldline has grown quickly in recent years and it will be interesting to see how well they fold some of their previous brands into one name. Ingenico was a massive European merchant account provider on its own, with Bambora also operating in multiple countries. The lack of transparent pricing information is always concerning, but Worldline seems to have kept a relatively clean record, especially for a company of its size. It will also be interesting to see if they can maintain their customer service quality, something that other large conglomerates and mergers have struggled with.

5-Star Rated Worldline Competitors

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About The Author

Phillip Parker is a Payments Industry Analyst and creator of this blog, CardPaymentOptions.com. Phillip is passionate about researching merchant service providers and payment industry trends. He is often quoted as an expert source in national publications such as INC Magazine, The Los Angeles Times, Entrepreneur, and many others.

“I started this blog because I was disgusted by the business practices of the merchant services industry. I wanted to empower business owners by providing insight on how to avoid shady merchant account providers and costly credit card processing mistakes.” 

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