Worldline Credit Card Processing 2023: Reviews & Complaints
+33 (0)1 34 34 95 95 Company Overview
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. Further, Worldline acquired much of Eurobank’s business, partnered with self-check-in company Myra, partnered with Amdoc to provide subscription services, partnered with Splitit for next-gen installment payments, acquired a 40% stake in Online Payment Platform, and acquired part of Banco Desio.
2023 saw even more expansion from Worldline, including partnerships with ING, Voidu, Crédit Agricole, and BNP Paribas.
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 on digital platforms that handle transactions and digital authentication for businesses, as well as fraud protection. 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.
Flexible Payment Gateway Options
One of Worldline’s primary offerings is its flexible payment gateway options, which cater to the unique requirements of different businesses. Whether a company operates through an e-commerce platform, a mobile app, or a brick-and-mortar store, Worldline provides tailored payment processing solutions that integrate seamlessly with existing systems and operations.
Multi-Currency and Cross-Border Payments
Worldline’s payment processing services support multiple currencies and cross-border transactions, making it easier for businesses to expand their reach and cater to international customers. This global approach allows merchants to accept payments in different currencies and settle transactions with minimal hassle, significantly simplifying the payment process for international transactions.
Advanced Fraud Prevention and Security
Security is a top priority for Worldline, and the company employs advanced fraud prevention measures and technologies to protect both merchants and customers. Worldline’s payment processing services are compliant with the Payment Card Industry Data Security Standard (PCI DSS) and utilize encryption technologies to safeguard sensitive customer data during transactions.
Omni-Channel Payment Solutions
Worldline offers omni-channel payment solutions that enable businesses to accept payments across various channels, including online, mobile, and in-store. By providing a seamless and consistent payment experience across all touchpoints, Worldline helps businesses improve customer satisfaction and increase sales.
Dedicated Account Management and Support
Worldline’s dedicated account management and support services ensure that merchants receive personalized assistance and guidance throughout the entire process, from initial setup to ongoing maintenance. With access to a team of experienced professionals, businesses can rest assured that their payment processing needs are well taken care of.
Customizable Payment Solutions
Worldline’s payment processing services can be customized to meet the specific requirements of individual businesses. This customization includes tailored payment page designs, bespoke reporting and analytics tools, and integration with various third-party systems, allowing businesses to create a payment experience that aligns with their brand and operational needs.
Transparent Pricing and Fee Structures
Worldline offers transparent pricing and fee structures for its credit card processing services, with no hidden costs or surprise charges. This transparency allows businesses to accurately budget for payment processing expenses and choose the solution that best suits their financial needs.
Location & 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.
Table of Contents
- Costs & Contract: Does not openly advertise…
- Complaints & Service: A handful of Worldline complaints on…
- BBB Rating: Does not have…
- Sales & Marketing: Appears to heavily utilize…
Worldline’s main financial services.
Worldline Customer Reviews
Here's What Their Clients Say
| Item | Result |
|---|---|
| Total Online Complaints | 10+ |
| Live Customer Support | Yes |
| Most Common Complaint | Equipment Issues |
| Recent Lawsuits | No |
No Serious Complaints as Bambora or Ingenico
There are very few negative Worldline reviews 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 were rated as solid choices for payment processing in our previous reviews. If you have a Worldline review of your own, 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 clients 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 Support 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.
Worldline Customer Service Numbers
- (855) 299-0025 – Worldline Canada Customer Service
- +3 314 225 5754 – Worldline France Customer Service
Worldline Online Ratings
Here's How They Rate Online
No Profile
Worldline does not currently maintain a Better Business Bureau profile page.
Worldline Fees, Rates & Costs
A Closer Look at The Contract
| Item | Result | >
|---|---|
| Cancellation Penalties | Undisclosed |
| Monthly & Annual Fees | Undisclosed |
| Processing Rates | Variable |
| Equipment Leasing | 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.
Worldline Employee Reviews & Sales Tacitcs
Should You Work For Them?
| Item | Result |
|---|---|
| Uses Independent Resellers | No |
| Telemarketing | No |
| Misleading Marketing | No |
| Discloses All Important Terms | No |
No Evidence of Independent Sales Teams
Currently, we cannot locate any concerning job posts or Worldline reviews indicating they utilize independent or outside sales representatives. We also cannot locate any Worldline 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 rates are not advertised for merchant accounts or for equipment. We strongly recommend reading all legal documentation and Worldline contracts thoroughly before signing. If any of our readers have a recent example of a Worldline contract, please comment below.
Our Worldline Review Summary
Our Final Thoughts
Worldline is a massive European credit card processing provider. 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.
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Zachary Clara
Worldline has been an absolute game-changer for my business! The seamless payment solutions they offer have revolutionized the way we handle transactions. From their user-friendly interface to their top-notch security measures, I feel confident and at ease conducting business online.
Their customer support team is incredible – always ready to assist and quick to resolve any issues that may arise. I can’t stress enough how much time and effort they’ve saved us, allowing us to focus on growing our business.
Worldline’s reliability and efficiency have earned my trust, and I can proudly say they have become an indispensable part of our operations. If you’re looking for a payment processing partner that delivers results, look no further than Worldline. Highly recommended!