Electronic banking

The W-HA electronic banking offer comprises three types of service:

» for remote payment, W-HA provides a card-based payment solution for online shops (for example the Orange Pro online store)

» for local payment, W-HA provides a card-based payment solution via a smartphone

» and, recently, a “dry” electronic contract allowing to build tailor-made offers with a varied range of payment terminals (mPOS or classic).

W-HA offers card acceptance services as part of the technical implementation of a “distance selling” banking contract, or offers these services in a model where W-HA acts as the acquiring bank, his status as an Electronic Money Establishment and a member of the GIE CB and a VISA / MasterCard member

You are a publisher of a service or online content or you are e-commerce:

» W-HA manages the acquisition of card payments made online by your customers

» W-HA, being PCI-DSS-certified, can also retain your customers’ card data (subject to acceptance) for future purchases

» W-HA manages the SEPA direct debits from customers who entrust you with this type of mandate for their unit or recurring payments

You are a great trader, a chain of stores or a franchise network:

» W-HA offers a range of terminals mPOS – approved GIE CB and compatible NFC – for smartphones / tablets and to collect card payments in the same way as conventional TPE (electronic payment terminals)

» W-HA provides you with integrated development tools (SDK modules) that allow you to easily interface the mobile management of the means of payment card via mPOS within your business applications

» W-HA allows mixing mOIS and TPE, and in the latter case proposes a simple contract “acquirer” to treat all your cash flows in a unified way

» W-HA provides you with an interface allowing you to track and manage all your transactions

» W-HA reverses on D + 1 the turnover that goes to your establishments (without they have to change bank)

You are a service provider, professional or merchant (physical store):

» W-HA offers a range of terminals mPOS – approved GIE CB and compatible NFC – for smartphones / tablets and to collect card payments in the same way as conventional TPE (electronic payment terminals)

» W-HA provides you with an interface allowing you to track and manage all your transactions

» W-HA returns you on D + 1 the turnover that is yours (without you have to change bank)

You are a telecom operator or a banking network targeting the clientele of professionals:

» W-HA proposes to you in white label a service allowing you to market with this target a mobile acceptance service based on terminals mPOS

» W-HA, in compliance with regulatory constraints, gives you the status of IOBSP (Intermediate in Bank Operation and Payment Service) if you are not already a banker

» W-HA carries out identification and verification (KYC) of your professional customers for enrollment in case you do not have a banking license

» W-HA calculates your commissions and ensures the corresponding turnover