{"id":37222,"date":"2024-07-12T10:58:12","date_gmt":"2024-07-12T08:58:12","guid":{"rendered":"https:\/\/www.sqorus.com\/?page_id=37222"},"modified":"2026-09-11T10:37:39","modified_gmt":"2026-09-11T08:37:39","slug":"retail-payments","status":"publish","type":"page","link":"https:\/\/www.sqorus.com\/en\/finance-transformation-consulting\/retail-payments\/","title":{"rendered":"Retail Payments"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; custom_padding_last_edited=&#8221;on|desktop&#8221; admin_label=&#8221;Section &#8211; Header&#8221; module_class=&#8221;Fond_blanc&#8221; _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; background_position=&#8221;bottom_right&#8221; custom_margin=&#8221;||||false|false&#8221; custom_padding=&#8221;1rem||3rem||false|false&#8221; custom_padding_tablet=&#8221;0rem||5rem||false|false&#8221; custom_padding_phone=&#8221;||5rem||false|false&#8221; collapsed=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row column_structure=&#8221;1_2,1_2&#8243; 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custom_padding_tablet=&#8221;2rem|2rem|2rem|2rem|true|true&#8221; custom_padding_phone=&#8221;1.5rem|1.5rem|1.5rem|1.5rem|true|true&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; positioning_tablet=&#8221;absolute&#8221; positioning_phone=&#8221;absolute&#8221; positioning_last_edited=&#8221;on|tablet&#8221; border_radii=&#8221;on|200px|200px|200px|200px&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_icon][\/et_pb_column][et_pb_column type=&#8221;1_2&#8243; module_class=&#8221;colonne_texte&#8221; _builder_version=&#8221;4.25.0&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;4rem||||false|false&#8221; custom_padding_tablet=&#8221;0rem||||false|false&#8221; custom_padding_phone=&#8221;||||false|false&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text admin_label=&#8221;Titre H1&#8243; module_class=&#8221;Titre_45 Titre_blanc&#8221; _builder_version=&#8221;4.25.0&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;|700|||||||&#8221; z_index=&#8221;0&#8243; custom_margin=&#8221;||0px||false|false&#8221; text_font_size_tablet=&#8221;&#8221; text_font_size_phone=&#8221;&#8221; text_font_size_last_edited=&#8221;on|desktop&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h1>Retail Payments<\/h1>\n<p>[\/et_pb_text][et_pb_text module_class=&#8221;TexteCorps&#8221; _builder_version=&#8221;4.27.7&#8243; _module_preset=&#8221;default&#8221; text_line_height=&#8221;30px&#8221; custom_padding=&#8221;|60px|||false|false&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Our <strong>Retail Payments<\/strong> solution helps retailers optimize their payment processes, reduce fraud, and control associated costs.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; admin_label=&#8221;Section &#8211; Accompagnement&#8221; _builder_version=&#8221;4.25.0&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;gcid-99bb2899-b21c-487f-849a-a4af892d0bec&#8221; 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title_text=&#8221;HR Process &#8211; Sodiaal &#8211; Challenge&#8221; show_bottom_space=&#8221;off&#8221; force_fullwidth=&#8221;on&#8221; _builder_version=&#8221;4.27.7&#8243; _module_preset=&#8221;default&#8221; background_enable_image=&#8221;off&#8221; custom_margin=&#8221;0px||0px||true|false&#8221; custom_margin_tablet=&#8221;0px||0px||true|true&#8221; custom_margin_phone=&#8221;0px||0px||true|true&#8221; custom_margin_last_edited=&#8221;on|tablet&#8221; custom_padding=&#8221;0px||80px||false|true&#8221; custom_padding_tablet=&#8221;|40px||40px|false|true&#8221; custom_padding_phone=&#8221;|0px||0px|false|true&#8221; custom_padding_last_edited=&#8221;on|desktop&#8221; module_alignment_tablet=&#8221;center&#8221; module_alignment_phone=&#8221;center&#8221; module_alignment_last_edited=&#8221;on|tablet&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][\/et_pb_column][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.25.0&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;100px|40px||40px|false|true&#8221; custom_padding_tablet=&#8221;|40px||40px|false|true&#8221; custom_padding_phone=&#8221;|0px||0px|false|true&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text admin_label=&#8221;Sous-titre&#8221; module_class=&#8221;SousTitre&#8221; _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; text_text_color=&#8221;#81919e&#8221; text_font_size=&#8221;13px&#8221; text_letter_spacing=&#8221;1px&#8221; custom_margin=&#8221;||10px||false|false&#8221; custom_padding=&#8221;0px||0px||true|false&#8221; text_orientation_tablet=&#8221;&#8221; text_orientation_phone=&#8221;center&#8221; text_orientation_last_edited=&#8221;on|tablet&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]Your challenges[\/et_pb_text][et_pb_text admin_label=&#8221;Titre &#8211; H2&#8243; module_class=&#8221;Titre_40&#8243; _builder_version=&#8221;4.25.0&#8243; _module_preset=&#8221;default&#8221; header_2_text_align=&#8221;left&#8221; header_2_text_align_tablet=&#8221;left&#8221; header_2_text_align_phone=&#8221;center&#8221; header_2_text_align_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>Your Payment &#038; Fraud Challenges<\/h2>\n<p>[\/et_pb_text][et_pb_text admin_label=&#8221;Texte&#8221; _builder_version=&#8221;4.27.7&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;||50px||false|false&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>The payments ecosystem is evolving rapidly: digital wallets, split payments, tokenization, QR codes, cross-border payments, and new tech players.<\/p>\n<p>In the face of these changes, companies must meet a twofold challenge: providing a seamless payment experience while effectively managing costs, risks, and fraud.  <\/p>\n<p><strong>You would like to :<\/strong><\/p>\n<ul>\n<li>Defining Your <strong>Payment &#038; Fraud Strategy<\/strong>?<\/li>\n<\/ul>\n<ul>\n<li>Choosing and implementing a new <strong>payment solution<\/strong>?<\/li>\n<\/ul>\n<ul>\n<li>Want to optimize your customers&#8217; <strong>payment experience<\/strong>?<\/li>\n<\/ul>\n<ul>\n<li>Detect and anticipate<strong> incidents and fraud<\/strong>?<\/li>\n<\/ul>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; custom_padding_last_edited=&#8221;on|tablet&#8221; admin_label=&#8221;SECTION INSIDE SQORUS&#8221; module_class=&#8221;Fond_bleu &#8221; _builder_version=&#8221;4.25.0&#8243; _module_preset=&#8221;default&#8221; background_enable_color=&#8221;off&#8221; custom_padding=&#8221;7rem||7rem||true|false&#8221; custom_padding_tablet=&#8221;5rem||5rem||true|false&#8221; custom_padding_phone=&#8221;5rem||5rem||true|false&#8221; collapsed=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;4.23.1&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;0px||||false|false&#8221; custom_padding=&#8221;0px||||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.23.1&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text admin_label=&#8221;Sous-titre&#8221; module_class=&#8221;SousTitre&#8221; _builder_version=&#8221;4.27.7&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;|||on|||||&#8221; text_font_size=&#8221;13px&#8221; text_letter_spacing=&#8221;1px&#8221; custom_margin=&#8221;||10px||false|false&#8221; text_orientation_tablet=&#8221;&#8221; text_orientation_phone=&#8221;center&#8221; text_orientation_last_edited=&#8221;on|tablet&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p style=\"text-align: center;\">Our expertise<\/p>\n<p>[\/et_pb_text][et_pb_text admin_label=&#8221;Titre &#8211; H2&#8243; module_class=&#8221;Titre_40&#8243; _builder_version=&#8221;4.25.0&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;||20px||false|false&#8221; custom_margin_tablet=&#8221;||20px||false|false&#8221; custom_margin_phone=&#8221;||40px||false|false&#8221; custom_margin_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2 style=\"text-align: center;\">Our Retail Payments Offering  <\/h2>\n<p>[\/et_pb_text][et_pb_text module_class=&#8221;TexteCorps&#8221; _builder_version=&#8221;4.27.7&#8243; _module_preset=&#8221;default&#8221; text_orientation=&#8221;center&#8221; custom_margin=&#8221;|8rem||8rem|false|true&#8221; custom_margin_tablet=&#8221;|0rem||0rem|false|true&#8221; custom_margin_phone=&#8221;|0rem||0rem|false|true&#8221; custom_margin_last_edited=&#8221;on|tablet&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>SQORUS supports <strong>Payments<\/strong> and <strong>Finance Departments<\/strong> with all their payment and fraud-related challenges.<\/p>\n<p>Thanks to our <strong>dual expertise in both business and technology<\/strong>, we address all areas that drive performance: customer experience, security, compliance, architecture, monitoring, and cost optimization.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.25.0&#8243; 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dsm_content=&#8221;<\/p>\n<p><span><strong>Develop a Payment &#038; Fraud strategy<\/strong> aligned with your business objectives.<\/span><\/p>\n<ul>\n<li><span>Assessment and Evaluation of the Existing Situation<\/span><\/li>\n<li><span>Defining the Target and the Roadmap<\/span><\/li>\n<li><span>Identification of Risks and Opportunities<\/span><\/li>\n<li><span>Prioritized Action Plan<br \/><\/span><\/li>\n<\/ul>\n<p>&#8221; dsm_content_use_icon_image=&#8221;on&#8221; dsm_content_image=&#8221;https:\/\/www.sqorus.com\/wp-content\/uploads\/2026\/07\/Facturation-electronique.png&#8221; dsm_content_image_icon_placement=&#8221;left&#8221; dsm_content_margin=&#8221;||||false|true&#8221; dsm_content_padding=&#8221;||||false|true&#8221; dsm_content_image_icon_placement_tablet=&#8221;top&#8221; dsm_content_image_icon_placement_phone=&#8221;top&#8221; dsm_content_image_icon_placement_last_edited=&#8221;on|tablet&#8221; dsm_content_padding_tablet=&#8221;||||false|true&#8221; dsm_content_padding_phone=&#8221;|0px||0px|false|true&#8221; dsm_content_padding_last_edited=&#8221;on|phone&#8221; _builder_version=&#8221;4.27.7&#8243; _module_preset=&#8221;default&#8221; tab_title_font=&#8221;|600|||||||&#8221; content_title_level=&#8221;h3&#8243; border_radii_dsm_content_image_icon_border=&#8221;on|300px|300px|300px|300px&#8221; global_colors_info=&#8221;{}&#8221; button_bg_color__hover_enabled=&#8221;on|hover&#8221; button_border_color__hover_enabled=&#8221;on|hover&#8221; parentOrderClass=&#8221;dsm_advanced_tabs_0&#8243;][\/dsm_advanced_tabs_child][dsm_advanced_tabs_child dsm_title=&#8221;Solutions&#8221; dsm_content_title=&#8221;Solutions&#8221; dsm_content=&#8221;<\/p>\n<p><span><strong>Ensure your technology choices<\/strong> are sound and your projects are successful.<\/span><\/p>\n<ul>\n<li><span>PSP Selection and Integration<\/span><\/li>\n<li><span>Selection and Integration of Payment Orchestrators<\/span><\/li>\n<li><span>Design of Custom Orchestration Solutions<\/span><\/li>\n<li><span>Performance Management for Solutions<br \/><\/span><\/li>\n<\/ul>\n<p>&#8221; dsm_content_use_icon_image=&#8221;on&#8221; dsm_content_image=&#8221;https:\/\/www.sqorus.com\/wp-content\/uploads\/2026\/01\/Refonte-site-internet-Carre-8.png&#8221; dsm_content_image_icon_placement=&#8221;left&#8221; dsm_content_margin=&#8221;||||false|false&#8221; dsm_content_image_icon_placement_tablet=&#8221;top&#8221; dsm_content_image_icon_placement_phone=&#8221;top&#8221; dsm_content_image_icon_placement_last_edited=&#8221;on|tablet&#8221; _builder_version=&#8221;4.27.7&#8243; _module_preset=&#8221;default&#8221; tab_title_font=&#8221;|600|||||||&#8221; content_title_level=&#8221;h3&#8243; border_radii_dsm_content_image_icon_border=&#8221;on|300px|300px|300px|300px&#8221; global_colors_info=&#8221;{}&#8221; parentOrderClass=&#8221;dsm_advanced_tabs_0&#8243;][\/dsm_advanced_tabs_child][dsm_advanced_tabs_child dsm_title=&#8221;Monitoring &amp; Alerting&#8221; dsm_content_title=&#8221;Monitoring &amp; Alerting&#8221; dsm_content=&#8221;<\/p>\n<p><strong>Manage your Payments &#038; Fraud operations<\/strong> in real time.<\/p>\n<ul>\n<li><span>Data Enrichment<\/span><\/li>\n<li><span>Dashboards and KPIs<\/span><\/li>\n<li><span>Alerts and Incident Detection<\/span><\/li>\n<li><span>Intervention Process and Transfer of Skills<br \/><\/span><\/li>\n<\/ul>\n<p>&#8221; dsm_content_use_icon_image=&#8221;on&#8221; dsm_content_image=&#8221;https:\/\/www.sqorus.com\/wp-content\/uploads\/2024\/06\/Audit-et-aide-au-choix-RH-SIRH-bandeau.png&#8221; dsm_content_image_icon_placement=&#8221;left&#8221; dsm_content_margin=&#8221;||||false|false&#8221; dsm_content_image_icon_placement_tablet=&#8221;top&#8221; dsm_content_image_icon_placement_phone=&#8221;top&#8221; dsm_content_image_icon_placement_last_edited=&#8221;on|tablet&#8221; _builder_version=&#8221;4.27.7&#8243; _module_preset=&#8221;default&#8221; tab_title_font=&#8221;|600|||||||&#8221; content_title_level=&#8221;h3&#8243; border_radii_dsm_content_image_icon_border=&#8221;on|300px|300px|300px|300px&#8221; global_colors_info=&#8221;{}&#8221; parentOrderClass=&#8221;dsm_advanced_tabs_0&#8243;][\/dsm_advanced_tabs_child][dsm_advanced_tabs_child dsm_title=&#8221;IT Architecture&#8221; dsm_content_title=&#8221;IT Architecture&#8221; dsm_content=&#8221;<\/p>\n<p><span><strong>Build a robust, flexible, and scalable payment ecosystem<\/strong>.<\/span><\/p>\n<ul>\n<li><span>Payment &#038; Anti-Fraud Architecture<\/span><\/li>\n<li><span>Workflow Orchestration<\/span><\/li>\n<li><span>Centralization of Payment Methods<\/span><\/li>\n<li><span>Harmonization of PSP Integrations<br \/><\/span><\/li>\n<\/ul>\n<p>&#8221; dsm_content_use_icon_image=&#8221;on&#8221; dsm_content_image=&#8221;https:\/\/www.sqorus.com\/wp-content\/uploads\/2024\/07\/Oracle-Integration-Cloud-Service-Oriented-Architecture-Bandeau.png&#8221; dsm_content_image_icon_placement=&#8221;left&#8221; dsm_content_margin=&#8221;||||false|false&#8221; dsm_content_image_icon_placement_tablet=&#8221;top&#8221; dsm_content_image_icon_placement_phone=&#8221;top&#8221; dsm_content_image_icon_placement_last_edited=&#8221;on|tablet&#8221; _builder_version=&#8221;4.27.7&#8243; _module_preset=&#8221;default&#8221; tab_title_font=&#8221;|600|||||||&#8221; content_title_level=&#8221;h3&#8243; border_radii_dsm_content_image_icon_border=&#8221;on|300px|300px|300px|300px&#8221; global_colors_info=&#8221;{}&#8221; parentOrderClass=&#8221;dsm_advanced_tabs_0&#8243;][\/dsm_advanced_tabs_child][\/dsm_advanced_tabs][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; custom_padding_last_edited=&#8221;on|tablet&#8221; admin_label=&#8221;Section &#8211; Vid\u00e9o&#8221; module_class=&#8221;Fond_gris&#8221; _builder_version=&#8221;4.26.0&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;0px||0px||true|false&#8221; custom_padding=&#8221;8rem||8rem||true|false&#8221; custom_padding_tablet=&#8221;6rem||6rem||true|false&#8221; custom_padding_phone=&#8221;8rem||8rem||true|false&#8221; collapsed=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;4.23.1&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;0px||||false|false&#8221; custom_padding=&#8221;0px||||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.22.2&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text admin_label=&#8221;Sous-titre&#8221; module_class=&#8221;SousTitre&#8221; _builder_version=&#8221;4.26.0&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;|||on|||||&#8221; text_font_size=&#8221;13px&#8221; text_letter_spacing=&#8221;1px&#8221; text_orientation=&#8221;center&#8221; custom_margin=&#8221;||10px||false|false&#8221; text_orientation_tablet=&#8221;&#8221; text_orientation_phone=&#8221;center&#8221; text_orientation_last_edited=&#8221;on|tablet&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Learn more<\/p>\n<p>[\/et_pb_text][et_pb_text admin_label=&#8221;Titre &#8211; H2&#8243; module_class=&#8221;Titre_45&#8243; _builder_version=&#8221;4.25.0&#8243; _module_preset=&#8221;default&#8221; header_2_text_color=&#8221;#171d7b&#8221; text_orientation=&#8221;center&#8221; custom_margin=&#8221;|7rem|3rem|7rem|false|true&#8221; custom_margin_tablet=&#8221;|1rem||1rem|false|true&#8221; custom_margin_phone=&#8221;|1rem||1rem|false|true&#8221; custom_margin_last_edited=&#8221;on|tablet&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>Get a behind-the-scenes look at retail payments with our expert<\/h2>\n<p>[\/et_pb_text][et_pb_video_slider show_thumbnails=&#8221;off&#8221; play_icon_color=&#8221;#FFFFFF&#8221; font_icon=&#8221;&#x45;||divi||400&#8243; module_class=&#8221;Video&#8221; _builder_version=&#8221;4.27.7&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_video_slider_item src=&#8221;https:\/\/youtu.be\/7yZcK0dQQ4E&#8221; _builder_version=&#8221;4.27.7&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; show_image_overlay=&#8221;off&#8221;][\/et_pb_video_slider_item][\/et_pb_video_slider][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; admin_label=&#8221;Section &#8211; Expertise SQORUS&#8221; module_class=&#8221;Fond_blanc&#8221; _builder_version=&#8221;4.26.0&#8243; _module_preset=&#8221;default&#8221; background_enable_color=&#8221;off&#8221; background_enable_image=&#8221;off&#8221; background_size=&#8221;initial&#8221; background_position=&#8221;bottom_right&#8221; z_index=&#8221;100&#8243; custom_margin=&#8221;||||false|false&#8221; custom_padding=&#8221;6rem||||false|false&#8221; collapsed=&#8221;on&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row admin_label=&#8221;Title Block&#8221; module_class=&#8221;LargeurBox&#8221; _builder_version=&#8221;4.23.1&#8243; _module_preset=&#8221;default&#8221; animation_style=&#8221;fade&#8221; collapsed=&#8221;on&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.19.5&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;||||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text admin_label=&#8221;Sous-titre&#8221; module_class=&#8221;SousTitre&#8221; _builder_version=&#8221;4.24.3&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;|||on|||||&#8221; text_text_color=&#8221;#81919e&#8221; text_font_size=&#8221;13px&#8221; custom_margin=&#8221;||20px||false|false&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p style=\"text-align: center;\">The SQORUS Choice<\/p>\n<p>[\/et_pb_text][et_pb_text admin_label=&#8221;Titre &#8211; H2&#8243; module_class=&#8221;Titre_40&#8243; _builder_version=&#8221;4.25.0&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;|4rem||4rem|false|true&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2 style=\"text-align: center;\">Choose SQORUS to optimize your payments<\/h2>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;1_3,1_3,1_3&#8243; _builder_version=&#8221;4.25.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.25.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_icon font_icon=&#8221;&#xf500;||fa||900&#8243; icon_color=&#8221;#a36405&#8243; icon_width=&#8221;36px&#8221; _builder_version=&#8221;4.25.0&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#ffb84b&#8221; custom_margin_tablet=&#8221;&#8221; custom_margin_phone=&#8221;||0px||false|false&#8221; custom_margin_last_edited=&#8221;on|phone&#8221; custom_padding=&#8221;50px|47px|50px|47px|true|true&#8221; border_radii=&#8221;on|200px|200px|200px|200px&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_icon][et_pb_text module_class=&#8221;Titre_30&#8243; _builder_version=&#8221;4.25.2&#8243; _module_preset=&#8221;default&#8221; text_orientation=&#8221;center&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h3>Expertise<\/h3>\n<p>[\/et_pb_text][et_pb_text module_class=&#8221;TexteCorps&#8221; _builder_version=&#8221;4.25.0&#8243; _module_preset=&#8221;default&#8221; text_orientation=&#8221;center&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><strong>Combined business and IT expertise<\/strong> to address all your payment and fraud challenges, from strategy to execution.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.25.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_icon font_icon=&#8221;&#xe037;||divi||400&#8243; icon_color=&#8221;#49a0f5&#8243; icon_width=&#8221;42px&#8221; _builder_version=&#8221;4.27.7&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#a4d0fa&#8221; custom_margin_tablet=&#8221;&#8221; custom_margin_phone=&#8221;||0px||false|false&#8221; custom_margin_last_edited=&#8221;on|phone&#8221; custom_padding=&#8221;47px|48px|47px|48px|true|true&#8221; border_radii=&#8221;on|200px|200px|200px|200px&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_icon][et_pb_text module_class=&#8221;Titre_30&#8243; _builder_version=&#8221;4.25.2&#8243; _module_preset=&#8221;default&#8221; text_orientation=&#8221;center&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h3>Experience<\/h3>\n<p>[\/et_pb_text][et_pb_text module_class=&#8221;TexteCorps&#8221; _builder_version=&#8221;4.25.0&#8243; _module_preset=&#8221;default&#8221; text_orientation=&#8221;center&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><strong>Extensive experience<\/strong> gained working with companies in the retail and e-commerce sectors, including the integration of numerous payment service providers (PSPs) and payment solutions.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.25.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_icon font_icon=&#8221;&#xf06e;||fa||900&#8243; icon_color=&#8221;#0a6fcd&#8221; icon_width=&#8221;39px&#8221; _builder_version=&#8221;4.27.7&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#49a0f5&#8243; custom_margin_tablet=&#8221;&#8221; custom_margin_phone=&#8221;||0px||false|false&#8221; custom_margin_last_edited=&#8221;on|phone&#8221; custom_padding=&#8221;47px|45px|47px|45px|true|true&#8221; border_radii=&#8221;on|200px|200px|200px|200px&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_icon][et_pb_text module_class=&#8221;Titre_30&#8243; _builder_version=&#8221;4.25.2&#8243; _module_preset=&#8221;default&#8221; text_orientation=&#8221;center&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h3>Vision<\/h3>\n<p>[\/et_pb_text][et_pb_text module_class=&#8221;TexteCorps&#8221; _builder_version=&#8221;4.25.0&#8243; _module_preset=&#8221;default&#8221; text_orientation=&#8221;center&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>A<strong> performance-driven approach<\/strong> to improve conversion rates, reduce costs, strengthen risk management, and optimize the customer experience.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; module_class=&#8221;Fond_gris&#8221; _builder_version=&#8221;4.27.7&#8243; _module_preset=&#8221;default&#8221; background_enable_color=&#8221;off&#8221; background_enable_image=&#8221;off&#8221; background_size=&#8221;contain&#8221; background_position=&#8221;top_right&#8221; z_index=&#8221;100&#8243; custom_margin=&#8221;0px||0px||true|false&#8221; custom_padding=&#8221;80px||80px||true|false&#8221; background_color_phone=&#8221;#c8d4d5&#8243; background_last_edited=&#8221;on|phone&#8221; background_enable_color_phone=&#8221;on&#8221; use_background_color_gradient_phone=&#8221;off&#8221; background_enable_image_tablet=&#8221;off&#8221; background_enable_image_phone=&#8221;off&#8221; background_position_phone=&#8221;top_left&#8221; global_module=&#8221;55417&#8243; saved_tabs=&#8221;all&#8221; collapsed=&#8221;on&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row column_structure=&#8221;3_5,2_5&#8243; module_class=&#8221;LargeurBox&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;0px||0px||true|false&#8221; custom_padding=&#8221;0px||0px||true|false&#8221; collapsed=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;3_5&#8243; _builder_version=&#8221;4.21.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text admin_label=&#8221;Titre &#8211; H2&#8243; module_class=&#8221;Titre_40&#8243; _builder_version=&#8221;4.27.7&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;||||false|true&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>Guide &#8211; Payment Factory, Hub &#038; Orchestrator Program<\/h2>\n<p>[\/et_pb_text][et_pb_text admin_label=&#8221;Texte&#8221; module_class=&#8221;TexteCorps&#8221; _builder_version=&#8221;4.27.7&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;||||false|false&#8221; custom_padding=&#8221;||||false|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Are you leading a payments transformation program? Before choosing your architecture, take the time to identify your risk areas: that\u2019s what sets a successful transformation apart from those that will become tomorrow\u2019s legacy systems. <\/p>\n<p>[\/et_pb_text][et_pb_button button_url=&#8221;https:\/\/www.sqorus.com\/en\/guide-payment-factory-hub-orchestrator-program-payment-transformations-legacy\/&#8221; button_text=&#8221;Download&#8221; button_alignment=&#8221;left&#8221; module_class=&#8221;Bouton fond_orange&#8221; _builder_version=&#8221;4.27.7&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;||||false|false&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_button][\/et_pb_column][et_pb_column type=&#8221;2_5&#8243; _builder_version=&#8221;4.21.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_image src=&#8221;https:\/\/www.sqorus.com\/wp-content\/uploads\/2026\/08\/Programme-Payment-Factory-Hub-Orchestrateur-png.png&#8221; alt=&#8221;SQORUS Ebook: HR Innovation&#8221; title_text=&#8221;Payment Factory, Hub &amp; Orchestrator Program png&#8221; _builder_version=&#8221;4.27.7&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; custom_padding_last_edited=&#8221;on|phone&#8221; admin_label=&#8221;Section &#8211; Informations &#8211; CTA&#8221; module_class=&#8221;Fond_bleu Fond_icone&#8221; _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; background_enable_color=&#8221;off&#8221; background_enable_image=&#8221;off&#8221; background_size=&#8221;initial&#8221; background_position=&#8221;center_left&#8221; z_index=&#8221;100&#8243; custom_padding=&#8221;7rem||7rem||true|false&#8221; custom_padding_tablet=&#8221;7rem||7rem||true|false&#8221; custom_padding_phone=&#8221;4rem||4rem||true|false&#8221; animation_style=&#8221;fade&#8221; background_color_phone=&#8221;#c8d4d5&#8243; background_last_edited=&#8221;off|tablet&#8221; 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_module_preset=&#8221;default&#8221; text_orientation=&#8221;center&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>Contact SQORUS for your retail payments project<\/h2>\n<p>[\/et_pb_text][et_pb_text admin_label=&#8221;Texte&#8221; module_class=&#8221;TexteCorps&#8221; _builder_version=&#8221;4.27.7&#8243; _module_preset=&#8221;default&#8221; text_orientation=&#8221;center&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Our team of experts helps retail and e-commerce companies optimize their payment processes, reduce fraud, and control costs.<\/p>\n<p>[\/et_pb_text][et_pb_button button_url=&#8221;https:\/\/www.sqorus.com\/en\/contact\/&#8221; button_text=&#8221;Contact SQORUS&#8221; button_alignment=&#8221;center&#8221; module_class=&#8221;Bouton fond_orange&#8221; _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;2rem||||false|false&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; 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custom_padding=&#8221;0px||0px||true|false&#8221; collapsed=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;3_5&#8243; _builder_version=&#8221;4.21.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text admin_label=&#8221;Titre &#8211; H2&#8243; module_class=&#8221;Titre_40&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;||||false|true&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>ISO 20022 Guide &#8211; 6 Steps to Prevent Payment Rejections<\/h2>\n<p>[\/et_pb_text][et_pb_text admin_label=&#8221;Texte&#8221; module_class=&#8221;TexteCorps&#8221; _builder_version=&#8221;4.27.7&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;||||false|false&#8221; custom_padding=&#8221;||||false|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Unstructured addresses will soon be permanently rejected by banks. No exceptions. No extensions. Ensure a smooth transition with our guide!   <\/p>\n<p>[\/et_pb_text][et_pb_button button_url=&#8221;https:\/\/www.sqorus.com\/en\/guide-iso-20022-avoid-payment-rejections\/&#8221; button_text=&#8221;Download&#8221; button_alignment=&#8221;left&#8221; module_class=&#8221;Bouton fond_orange&#8221; _builder_version=&#8221;4.27.6&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;||||false|false&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_button][\/et_pb_column][et_pb_column type=&#8221;2_5&#8243; _builder_version=&#8221;4.21.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_image src=&#8221;https:\/\/www.sqorus.com\/wp-content\/uploads\/2026\/04\/Bandeau-Guide-ISO-20022.png&#8221; alt=&#8221;SQORUS Ebook: HR Innovation&#8221; title_text=&#8221;Guide banner &#8211; ISO 20022&#8243; _builder_version=&#8221;4.27.6&#8243; _module_preset=&#8221;default&#8221; 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global_colors_info=&#8221;{}&#8221;][et_pb_text admin_label=&#8221;Sous-titre&#8221; module_class=&#8221;SousTitre&#8221; _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;|||on|||||&#8221; text_text_color=&#8221;#81919e&#8221; text_font_size=&#8221;13px&#8221; custom_margin=&#8221;||20px||false|false&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p style=\"text-align: center;\">Related articles<\/p>\n<p>[\/et_pb_text][et_pb_text admin_label=&#8221;Titre &#8211; H2&#8243; module_class=&#8221;Titre_40&#8243; _builder_version=&#8221;4.24.3&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2 style=\"text-align: center;\">To take your e-payment project a step further<\/h2>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row module_class=&#8221;LargeurBox&#8221; _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;||0px||false|false&#8221; 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