Offer your end users the most popular end-payment functionality

Person-to-person payments (P2P) are a rapidly growing service, delivering the immediacy of cash with the convenience of electronic transfers. Benefiting from the latest mobile transaction technology, mobile users can make instant payments through a single text message. For retailers and service providers, P2P is a highly convenient form of payment that is instantly credited to their P2P account. And because there’s no need to handle cash or issue receipts, the service is the ideal small payment solution.

equensWorldline can provide a modular white-label mobile P2P solution, which can be customized to reflect the look and feel of the issuing bank. Various funding methods can be implemented based on customer demand. The app is available for the most recent Android and iOS devices and can be extended to further platforms on request. The standard service can easily be enhanced with value-added services like Pull Payments (invite) or Split Bill. 



  • Mobile P2P Payment App or integration of our P2P service with the end-user interface of your choice to provide a mobile application for Android and iOS, with a user interface for end users of the issuing bank and the corresponding backend. Through our P2P APIs, the service can also be integrated into an existing mobile banking app
  • The Alias Conversion Service converts an alias (mobile phone number) into an IBAN and manages the corresponding database
  • Payment Processing provides money transfers from one SEPA bank account to another by using a two-step approach (an ePayment transaction (like iDEAL) and consecutive on-us SEPA credit transfer). It provides an interim solution for payment processing and payment authorization until Instant Payments and Access to Account (X2A) are available
  • Cash Management provides liquidity management and reconciliation between intermediary bank accounts and the ePayment merchant account

Value for our clients

  • Quick time-to-market through easy integration of P2P services into the environment of your choice or using our white label app
  • Proven solution based on an ePayment or card-based funding method of choice
  • No changes required in the banking backend
  • Easily extendable through a modular approach
  • Easy transition of the service to XS2A and Instant Payment via a clearly defined migration path
  • Door opener for Instant Payments for end users, as the Mobile P2P Payment Service offers one of the main use cases for Instant Payments already in place today
  • Banks can reach new markets, currently targeted mostly by FinTech startups with innovative payment services

They trust us

Within our portfolio we support our clients with well over 2 million downloads and more that 1.5 million regular users. 


Mobile payment in a flash!

Rabobank is a major cooperative bank in the Netherlands and, worldwide, in the food and agri sector. In 2017 it offers an innovative mobile peer-to-peer (P2P) Payments service for its customers, called "Ipayou", featuring the added attraction of near-instant payments. To pay someone, you simply key in their mobile number. The recipient gets an SMS proposing downloading the app or registering via the Ipayou site to receive the money. Payments to Rabobank or ABN AMRO account holders take minutes - payments to other banks from 15 minutes to a working day. The application, which uses the IDEAL infrastructure for authentication, is designed and hosted by equensWorldline.



AntonJan Cozijnsen,

Director Europayments, Rabobank

We're delighted to provide our customers with this novel solution, backed by the great technical resources of equensWorldine, who put the complex application in place.