The new payment services brand for French merchants, CAWL, combines the commercial performance and distribution capacity of Crédit Agricole Group with the technology know-how and offerings of Worldline.

Two leaders formed a strategic collaboration that gave rise to the brand CAWL. CAWL is a proximity and relational brand with a strong emphasis on innovation and technology. It makes use of the strengths, values, and complimentary qualities of both groups.
A company that blends closeness and service CAWL is more than only a moniker and emblem. The goal of the brand is to lead the French market in merchant payment services.

It will provide industry-vertical offers that will make merchants' lives easier and free them up to concentrate on what really matters—the growth of their businesses. These all-in-one payment solutions will combine acceptance and acquisition with the integration of value-added services unique to each business sector.

With the help of CAWL's solutions, merchants will be able to concentrate on their expansion, efficiently manage their commercial performance, maximize sales, and reduce fraud risks—all of which will support the growth of their business operations.

Offers to all kinds of retailers

No matter the size, sector, or sales channels of a merchant, CAWL wants to offer comprehensive and cutting-edge solutions.
• Big retailers: CAWL will provide omnichannel solutions with specialized commercial teams and industry knowledge.
• Professionals and SMEs: CAWL will launch all-in-one products by industrial verticals beginning in 2025. The banks that make up the Crédit Agricole Group will market these products widely, using specialized personnel and a fully digital channel.

The services provided by CAWL will make use of Worldline's diverse technological capabilities as well as Crédit Agricole Group's in-depth understanding of the French market:
• E-commerce: A platform with updated functionality that enables retailers to provide a smooth, multichannel buying experience for their customers while also optimizing their conversion rates and other business-related operations.
• In-store: A variety of SmartPOS options, the newest iteration of Android point-of-sale terminals with an extensive app store.

With the help of these products, merchants will have access to a pan-European acquisition platform, individualized services, and multi-currency, multi-country, multi-payment network services and alternative payment ways.
According to CAWL CEO Meriem Echcherfi: "CAWL wants to dominate the payments market for all French retailers by providing a high-tech, convenient, and personalized solution that capitalizes on the capabilities of Worldline and Crédit Agricole. By developing integrated solutions that greatly boost the added value for merchants and, consequently, for their own consumers, we also hope to be a leader in innovation."