PAYMENTSDeveloping innovative solutions for all
As an essential service offered by the bank to its clients, payments are constantly growing in a context of increasing digitisation and instant transactions. By leveraging the latest technological advances, BNP Paribas and its business lines combine innovation and personalisation to offer individuals, merchants and corporate clients a smooth, secure payment experience adapted to their needs. Some of these innovative and sustainable initiatives and solutions are described below.
CREATING A LEADER IN PAYMENT MANAGEMENT IN EUROPE
In June 2024, BNP Paribas unveiled its plan to form a strategic partnership in payments with Groupe BPCE. The signing of this agreement in February 2025 resulted in the creation, in the form of a joint venture called Estreem, of a leading payments processor in the market serving cardholders and merchants. Hosted on the BNP Paribas cloud, Estreem will process all the card payments of the two groups in Europe, i.e. 17 billion transactions, with the aim of becoming one of the top 3 processors in Europe by 2028. It may be extended to other banking institutions. This new step bolsters the partnership initiated in 2005 between the two banking groups, with Partecis for the publishing of processing software. On the tech front, Estreem will ensure payment authorisations and security while liaising with payment networks such as Visa, MasterCard, CB and Wero (see below).
DESIGNING DEDICATED SOLUTIONS FOR ONLINE SERVICES AND MARKETPLACES
BNP Paribas, through its digital solutions offering Axepta BNP Paribas and its subsidiary Floa, is teaming up with Stancer (iliad Group) to offer an all-in-one payment solution integrated into conversations on Microsoft Teams. As a result, professionals and merchants who use this application to communicate with their clients - tutors, travel agents, coaches, etc. - will have access to a simple, fast and secure payment solution. Created by BNP Paribas and the start-up studio 321, fintech 1POINT6, dedicated to the management of marketplace payments, was granted the status of agent for the provision of payment services from the French Prudential Supervision and Resolution Authority (ACPR) in 2024. This authorisation allows 1POINT6 to manage the collection of payments on behalf of third parties and the integration of merchants and transactions. By providing marketplaces with all the payment functionalities they need, the fintech aims to become a European leader within four years supporting the platformisation of commerce.
DEPLOYING AN ON-BOARD POINT OF SALE ON AIRCRAFT
TEB, the Turkish subsidiary of BNP Paribas, launched inFlight POS, an in-flight sales and payment solution, in partnership with Corendon Airlines. Through this innovative offering, flight attendants can carry out payment transactions with passengers in a simple, fast, and secure manner. TEB is expanding its global presence by offering this solution on flights connecting 165 airports in the 65 countries served by the airline.
Wero, the European digital payment wallet
Launched in September 2024 by the European Payments Initiative (EPI), backed by 16 European banks and payment service providers, including BNP Paribas, Wero aims to provide customers with a single, secure and sovereign digital payment service to consumers. With this payment wallet, customers can send and receive money from account to account in less than 10 seconds using only a phone number and email address. After its roll-out in Germany, France, Belgium, Luxembourg and the Netherlands, Wero aims to become the benchmark digital wallet on a European scale within three to four years.