Summary
Key results
Reduced payment processing costs
Over 25% drop in fraud risk
Rising security demands and simplified online payments
Credit card number-based transactions no longer meet modern market requirements – they increase fraud risk, drive up compliance costs, and limit service scalability. Global payment operators like Visa and Mastercard are promoting tokenization as a new industry standard for improved security and user experience.
To maintain its leadership position and meet rising customer expectations, Worldline opted to adopt tokenization as a core capability of its payment platform. The new solution strengthens data protection and simplifies online payments for end users.
To design and implement the solution, Worldline selected Sii Poland – a trusted partner with expertise in microservice-based payment systems and experience in delivering projects for the financial sector.
WHAT OUR CLIENT SAYS ABOUT US
GLOBAL STANDARD COMPLIANCE THROUGH A FLEXIBLE ARCHITECTURE
Sii Poland provided a dedicated development team including a solution architect (working closely with Worldline's own architect), four Java developers, and two QA engineers responsible for automation.
The project, delivered between 2024 and 2025, was divided into three key implementation phases:
- Service Optimization – preparing the environment and optimizing existing processes to support the new payment model
- Feature Enhancement – developing tokenization functionalities and integrating them with the broader platform
- Expanding Coverage – rolling out the solution to additional Worldline markets and partners
Sii Poland was responsible for:
- Analyzing Visa and Mastercard requirements and translating them into real use cases
- Designing and implementing the tokenization microservice within Worldline’s architecture
- Developing and launching automated tests to ensure system stability and reliability
- Validating the efficiency and security of the solution through hard performance metrics
Trusted partnership in a high-stakes industry – securing millions of transactions
The partnership between Sii and Worldline goes beyond a typical vendor-client relationship. From day one, Sii understood that in the financial sector, combining agility with uncompromising reliability is essential when handling millions of transactions daily.
“Our goal is joint global growth and building a high-tech leadership position, which requires full engagement from both Sii and our team.” – Arnaud Bertherat, Head of Resource Management, Worldline Global
Thanks to Sii’s proactive and creative approach, Worldline gained a scalable payment model that reduces fraud risk, lowers processing fees, and increases customer trust. Close collaboration with Product Managers allowed for seamless integration into the platform and agile response to market needs – all while meeting the highest industry security standards.
The tokenization rollout also reduced Payment Card Industry Data Security Standard (PCI DSS) compliance burdens. By eliminating card number storage, Worldline and its merchants face fewer audit requirements, lower compliance costs, and reduced data breach risks.
Key Results
- Increase in successful transaction authorizations
- Fewer incorrectly declined payments
- Lower transaction processing costs
- Reduced data theft risk
- Over 25% drop in financial fraud incidents