Portrait of Jessica Szenker, Business Development Manager at Transactis


What is your professional background? When and how did you join Transactis?

I have a Master’s degree in Cell Biology, but like many people who studied the sciences, I switched to computer banking after my studies.

I have spent almost my entire career in Société Générale Group, since I was hired there in 2010 after two and a half years as a service provider in the Payments Department of the Information Systems Division of Crédit du Nord. Then I joined Société Générale in 2012, still in the Payments Department of the ISD.

I joined Transactis in 2017 at the same time as my colleagues in Payments; I also led the project of integrating the Payments teams and applications within Transactis!


How do you see your job and the progress you have made today?
What attracted you to IT?

I have a totally atypical career path, since I transitioned from biology to IT (COBOL analyst, project manager) and then to cross-functional assignments (organisation, budget management, sourcing, offers, etc.) and finally to the role of business development manager.

When I look back, I see a winding road that has taught me so much! About IT, payments, banking, and all cross-functional areas. Communication, finance, legal, purchasing… I’ve met a lot of people with different and complementary backgrounds and skills, which was very enriching for me.

Initially, I found that IT was a way to satisfy my logical and cartesian side. I have always liked challenges, finding solutions, testing, observing, and trying again, until it works. And then, as the years went by, I moved away from pure IT, but I continued to grow alongside it even as I was distanced from it. And I’m still looking for solutions, but in a different way. And with a relational and strategic dimension that brings out the best in me professionally.


How did you get along in this male environment?

I had gone to work in Biology Research (a very female-centric field) and I found myself in IT, in a very male-centric environment. It has not always been easy, because unfortunately we are still the target of clichés, especially when you are a young woman who has not studied computer science. But as the years went by, I was able to prove my worth, and attitudes changed too. It’s important to remember that we have a lot of allies, both in the company and in society at large.


What can you tell us about gender diversity at Transactis? How are the interactions between men and women?

At Transactis, I have found that there is always goodwill between men and women. It is a company on a human scale, where women are represented at the EXCO level (even if it is more in the support functions) as well as in the operational departments.

I think IT fails to attract many women, probably from the time of study, and that’s a shame. Few women study IT and, ultimately, few women end up working in IT.

IT is seen as a man’s field, especially for developers… But it includes many different jobs. I think we really need to talk about this variety of jobs.

However, I have found that women like me can have a great career path in IT even if they were not predestined for it.

Furthermore, I think I bring a touch of lightness, humour, creativity and “madness” to all the projects I lead or contribute to.


Can you sum things up in a word?

There are so many jobs in IT; whether they are passionate about the technical or the functional side, women can find their place!


Profile of Laure Pelletier Merchant Activity and Disputes Project Manager, Back-Office Manufacturing


What is your professional background?

My education and career path have nothing to do with IT. I studied life sciences and received a degree in Cell Biology and Physiology, followed by a master’s degree in Ecophysiology and Ethology before doing a PhD in Functional Ecology.
I spent 3 years studying the evolution of foraging strategies in little penguins in response to environmental change. I did not want to do research, so I spent a year in the non-profit sector, without really knowing what I wanted to do in the long term. What I did know was that I needed a job that would leverage my skills in a structured, reassuring setting with authentic team spirit.


When and how did you join Transactis?

A friend of mine suggested that I take a 3-month training course in IT that culminated in a permanent contract with a service company. I did the training in Development and testing in an IBM mainframe environment. I followed that up with a first assignment as a contractor at Transactis in the Merchant Back Office as part of the Remittance Processing – Merchant team from 2016 to 2019. I liked the work and the atmosphere in the Merchant Division, so it was only natural that I applied when a position opened up. I officially joined Transactis as an employee in June 2019.

How do you see your job and the progress you have made today?
What attracted you to IT?

My background is an asset and a strength for me. My studies taught me a methodology, a way to solve problems. I have a different view of things than someone who has a purely IT background. I like to start with the problem, analyse it and find solutions while paying attention to the functional context. That’s what I do in my job now. I am constantly asking myself questions and learning every day.


How did you get along in this male environment? What can you tell us about gender diversity at Transactis? How are the interactions between men and women?

At Transactis I have never felt any difference between men and women, unlike in other companies or during my IT training.
On the contrary, I find that in my department, in the Back Office Merchant division, there are more women, but for me the most important thing is the skills of the individuals.


What is your perception of the gender mix in the Transactis business lines?

What matters more to me than gender diversity is ensuring equality between men and women (e.g. salary). It is important to encourage and promote people’s skills. We do not promote someone to fill a quota, but rather we reward the most competent person without biases relating to gender, ethnicity, age, etc.
My point of view stops at the Back Office, where women are rather well represented, especially in management positions. I don’t find that there is a gender diversity problem at Transactis.


How do you explain the fact that there are fewer women in the IT field? What is your perspective?

I think the problem is well upstream. The fact that there are fewer women in IT is really due to a lack of visibility in the school curriculum about potential jobs in IT. The IT environment is synonymous with geeks and video games, but the jobs are more diverse than that.

What is the ideal environment that maximises your professional fulfilment and enables you to do your best work?

A fulfilling work environment is a caring environment where everyone does their job without fear of being judged or ridiculed. An environment with team spirit and no ego wars. An environment in which there is respect and recognition of each person’s merits.

What helped you get ahead?

The desire to always do well and the desire to do better.
Of course, we always have less brilliant phases because there are always unforeseen events, things we can’t control, and then there are doubts about one’s choices. When that happens, one must put things into perspective and depend on reliable people, while showing patience and tolerance towards oneself and others.

Did you receive any support?

I did indeed receive a lot of support, with the help and assistance of the entire Merchant Transaction Processing team in the Back Office Merchant Division, when I arrived for my first assignment. Those strong relationships and team spirit are what made me want to stay at Transactis.

What is your approach in times of crisis? During a crisis and after?

A crisis should be seen as a challenge, a problem to be solved. Every problem has a solution, otherwise it is not a problem. Team spirit is really needed in times of crisis. It is important that the team members get along well and that everyone is equally committed. A diversity of backgrounds and ideas, at this point, can make the difference in resolving a crisis. That is a real plus.

What risks did you take?

The biggest risk I took was the radical change in my career path and starting a new professional journey in an environment that was totally foreign to me.

Can you sum things up in a word? Your motto?

“I don’t have a motto, but I would share some simple advice: be open-minded, tolerant and curious. Diversity in mindset and thought can only make us stronger.”

Profile of Agathe Niego, Head of History, reference databases and restitution


When and how did you join TRANSACTIS?

After 8 years at a digital services company and 3 years at Societe Generale, I jointed Transactis like all the other employees of the Transfers and direct debits activity who came from Societe Generale in 2017.

After school in southern France and a master’s degree in Computer methods applied to business management at the Sorbonne, I fell into the world of payments a bit by chance and I never left it. I started at Societe Generale as an analyst-developer on a host of applications, the forerunners of the SEPA payment flow factory. Now, 15 years later, I am head of History, reference databases and restitution in the Acquisition and issuing channels department. I manage a team with very different profiles, ranging from project management to testing, including project management and software integration.



How do you see your job and the progress you have made today? What attracted you to IT?

I have always been drawn to science-related subjects, so it was natural that I focused on scientific studies and later on IT.  By chance I did my first internship in the banking sector and the opportunities convinced me to stay. Being part of ambitious projects such as deploying SEPA payment instruments, or more recently creating the Transactis payment platform, has taught me that, despite the difficulties, you must never give up and that by working as a team, you can achieve great and wonderful things.

The secret to dealing with challenging times is to rely on your strengths. For me, I rely on my family to keep me on track and on my ability to focus on the positive. The main thing is to put all your energy into maintaining a high level of cohesion within the team and to encourage mutual assistance no matter what happens.



How did you get along in this male environment? What can you tell us about gender diversity at Transactis? How are the interactions between men and women?

Once you get into science, you get used to a particularly male world. Personally, I have never felt that being a woman was an obstacle to my development. I have a rather strong character. Did that help me make my way in a world of men? Perhaps.

I have never felt any misogyny or seen any inappropriate behaviour at Transactis. My management has always instilled the values of respect, equality and caring. I have always felt that I am judged on my skills and results.

As for the under-representation of women at Transactis, I would say that, in a perfect world, we would educate our children without stereotypes and prejudices about “feminine” or “masculine” jobs. In the meantime, we are trying to fight for gender diversity and for more diversity in general because it brings richness and balance to our company. But I am not saying that women should be given preferential treatment. On the contrary, we have to prove ourselves just like our male colleagues.



Did you choose this job because of passion?

Not necessarily for IT, but definitely for management. Management has become a passion for me over the years. Finding ways to motivate teams, building relationships with others, and communication are aspects of my job that I am passionate about.



A motto or rule to live by?

Alone we go faster, but together we go further…

Profile of Nadia Chorlet, Head of the ATM division, Manufacturing Front Office



When and how did you join TRANSACTIS?

I have a post-graduate diploma in computer science and networks from Paris VI. I was one of the pioneers, as I joined Transactis at the beginning of the adventure on 1st April 2008. There were 13 of us from La Banque Postale who built the Front Office.

I started as a network engineer in service companies such as CAP Gemini and ATOS, which introduced me to e-banking at its early stages of development. I joined the IT department at La Poste as a consultant and stayed on as a project manager for automatic teller machines. I moved up the ladder at La Poste, then at La Banque Postale, first as a team manager and then as a department manager.


How do you see your job and the progress you have made today?

It’s still a great adventure. I don’t regret anything – I’m proud of it. I identify with the values promoted by Transactis and I hope I’ve done my part to build something worthwhile.

My job matches up well with my initial training.

As a child, I was fascinated by space exploration, then by the early days of computers. It was a fast-growing sector with many opportunities. I could have changed fields, but this industry has been very diverse and dynamic so far, as well as very concrete and technical.

Each new project is a challenge to overcome.


How did you get along in this male environment?

Things have gone quite well for me in this environment. I never felt any difference in behaviour. There was always a mix even if we women were outnumbered. It is true that the field of ATMs is an even more technical field than other aspects of IT because it requires hardware skills to install, operate and update ATMs.

Any crisis teaches us a lot about adapting to the situation and reacting quickly, setting up a task force to solve the problem, mobilising the right people to analyse and find the solution. The next step is to take stock of the situation as part of a continuous improvement process.

It is above all a team effort.

Challenges fuel me through professional slumps.


What can you tell us about gender diversity at Transactis? How are the interactions between men and women?

It is not the ratio of men to women that matters. Rather, what counts are the skills of the people and the team they form and the osmosis between the team members. Gender diversity is not an issue. We make it an issue when we talk about it. We must ensure that women’s rights are respected – salaries, maternity leave, etc. – but there should not be any gaps.

At Transactis women are fairly well represented, especially in management positions. We can always dream of a more inclusive and supportive society, but we need to tackle the problem upstream, by focusing on the post-secondary education of girls.

The IT speciality is introduced too late in the school curriculum, schools lack IT resources, there are no IT classes in secondary schools etc. More school outreach is needed.

The fact that there are fewer women in the IT field is a reductive view of computer scientists, who are often equated with geeks and developers. Although there are lots of different digital jobs, they are shrouded in mystery. There is an image problem.


Your motto?

“All for one, one for all!”

Profile of Berthe Rakotomalala, Project manager ATM manager integration, Manufacturing Front Office


When and how did you join TRANSACTIS?

After earning a Master’s degree in biochemistry at Paris-Sud University, I enrolled in a DESS post-graduate diploma programme in “Network and telematics applications” at Université Paris 7–Denis Diderot.

I was a contractor from 2009 to 2012, then became a staff member at Transactis in August 2012. I worked on a number of e-banking/withdrawal/ATM assignments at various banks, then had a short stint with the ATM manufacturer NCR, before landing at Transactis.

How do you see your job and the progress you have made today?

To be honest, I didn’t think I would be working in this business in the beginning. My background pointed to a career in a research laboratory.

But ultimately, after my master’s degree in biochemistry, I did a postgraduate diploma in computer science and networks, which had better job prospects. I benefited from a surge in demand for IT specialists to ensure the Y2K transition and the introduction of the Euro.

I worked on smart cards during an internship, which acquainted me with the world of e-banking and decided to stick with it. I quickly got into the game. I dug in my heels and soon figured out how to succeed in this field. The challenge was worth it, I don’t regret it.


How did you get along in this male environment?

There is no denying that the world of ATMs is dominated by men. And there is no shortage of apprehensions.

Fortunately, I have had male colleagues who do not judge me and do not make me feel out of place.

However, if I answer a call from the outside, they inevitably ask for my male colleagues. I can tell from their insistence that they will not allow me to resolve their problem. In fact, I felt like I had to prove that I belonged there.

What I like about my job is the diversity of the projects, my relationships with suppliers and customers, and the broad, cross-cutting view of the sector.


What can you tell us about gender diversity at Transactis? How are the interactions between men and women?
When I came to Transactis, I did not notice that there were more men than women. Perhaps because I have always worked in this environment. The important thing is to work with competent people who identify with Transactis’ values.


Your motto?

“Nothing is easy but everything is possible!”



Profile of Rabih Nassrallah, Project Management and Integration Manager in the Payment Engine Resources Division (the division in charge of payment factories).


What is your professional background?
I came to France in 2001 to continue my studies and earn a degree in computer science engineering at UTC (Université de Technologique de Compiègne). After completing a PhD in networking at UTT (Université de Technologique de Troyes), I taught programming and networking for three years. As I recall, in our various engineering degree programmes, women made up about 30%.


When and how did you join Transactis?
I joined a service company specialising in new technologies, which asked me to work on a project to deploy a KYC (Know Your Customer) tool in the Information Systems Division of Societe Generale in 2017. In 2010, the Risk Department under Societe Generale’s ISD recruited me as an information systems project manager, and I joined the payments department in 2014. I moved to Transactis to take up my current position in the context of building the Societe Generale and Banque Postale shared payment platform.


How do you perceive gender diversity at Transactis? How are women represented within your scope of responsibility?

I oversee three teams of 68 people. My teams are involved in project management (projects, change and run), technical integration and technical and functional integration testing.

The number of women in these teams has risen steadily, from three in 2014 to 15 today. Women make up 22% of the total workforce in my division. Of our six operational managers, three are talented women.

This increase is encouraging, but we need to continue our efforts to attract new female talent on the basis of their skills and, of course, with equal pay.


What do you think would be the optimum formula for attracting new female talent to your team?

Personally, I think that in our professional setting, we should be careful to ensure that women and men are treated equally, especially in terms of responsibilities and remuneration. That is exactly what I practise in my teams.

In addition, we must continue working to develop women and men. That includes training and offering them interesting and relevant projects. It is an achievable goal in the ever-changing world of payments.


What is the main challenge in on-boarding women into your teams?

One of the main challenges in our business is resilience while facing stress. The banking business we manage is vital to our customers. As a result, teams are exposed to stressful situations if there is a production incident or when deploying major projects. Thus, our female managers are exposed to this stress, just as the men are, and clearly they handle it with equal aplomb.


Some final comments

The gender mix in my teams confirms that this line of work is not just for men. Both the male and female managers on my teams handle their responsibilities with the same commitment and the female managers are in well-deserved strategic positions. They hold high-pressure jobs and, when the business demands it, they are on call and work at night.


I’m not an established feminist – I like balance – but I think that gender diversity in teams is a real asset!

Our responsible purchasing

Our responsible purchasing policy


As Transactis is an electronic billing and payment operator for banking clients, its purchases mainly concern IT services.

As such, the purchasing operations of Transactis incorporate the various aspects of sustainable development as they pertain to:


  • environmental factors, with the implementation of dematerialised ordering and contracts in February 2020. There are many advantages to signing our contracts and placing our orders via our purchasing information system rather than using paper documents: it saves time for the buyer, processing time is generally faster for the supplier, it is more environmentally friendly (less paper generated, no need for faxes or envelopes to send documents, or indeed to distribute documents).
  • social and societal factors, with social issues taken into account, in particular respect for human rights in the workplace, the use of local companies or community associations
  • and economic factors, by taking into account the economic impact of purchasing decisions, the environment and suppliers with a view to overall cost.


Since August 2020, we have been implementing a responsible purchasing charter adapted to the activity of Transactis, which we have incorporated into all our main supplier reference contracts;

“The implementation of a responsible purchasing policy reflects the concrete commitment by Transactis to sustainable development and can encourage our suppliers to follow suit.

This responsible purchasing charter allows us to share ethical and sustainable business relations with our suppliers”, says Malika Mezair-Poupin, Head of Purchasing at Transactis.


Increasing the proportion of women within its businesses will be one of the key challenges for Transactis throughout 2022 and the years to come. The signature in November 2021 of an equality agreement incorporating commitments and targeted measures to promote equality in the workplace and increase the proportion of women within Transactis marked the launch of this gender diversity programme.


The issue of gender diversity is a key challenge in the IT and digital ecosystem, which is strongly characterised by:


  • An increasing under-representation of women in all businesses
  • A growing proportion of men coming from initial training courses leading to careers in engineering and IT lasting several decades.


More generally, this programme is part of the development of French society in terms of gender equality, particularly through the recognition and promotion of diversity of gender, age and origin.


In connection with the launch of its programme, Transactis will conduct a number of initiatives to raise awareness of this issue, both internally and externally.

Transactis successfully launches its 2020 NAC (New Cryptographic Architecture) pilots



Twenty years after NAC 2000, the Bank Card Economic Interest Group (Groupement d’intérêt économique Cartes Bancaires) has defined a new cryptographic architecture, called “Nac2020”, to protect against the risk of fraud.


With combating fraud a major issue for banking institutions, this advance will strengthen security throughout the entire ecosystem of transactions carried out on ATMs. On the one hand, it guarantees cardholders that their banking information will remain secure on ATMs, and on the other, it reinforces the levels of security when transmitting and using the data needed to process a withdrawal transaction.


It was therefore key for players in the payment field to meet the needs for changes in cryptographic mechanisms and the new standards in terms of payment card security.


It is in this context that Transactis has taken over the management of this new regulation on behalf of La Banque Postale, Societe Generale and Crédit du Nord.


Over two years, in partnership with software providers NCR Corporation – for the software deployed on ATMs, Sopra Banking Software – for ATM management software, Atos – for the cryptographic solution, as well as ATM manufacturers NCR Corporation and Diebold-Nixdorf, Transactis has designed and built a solution to:

  • Encrypt exchanges between ATMs and the systems used to process an ATM transaction while complying with the new “NAC2020” standards;
  • Upgrade the ATM operating system (Windows 10) to enhance its security.


Since August 2021, with the help of Transactis, La Banque Postale and Crédit du Nord have rolled out a dozen pilot ATMs with the “Nac2020” solution, thus making them two of the market’s leaders in this migration project.

Transactis has a newly refurbished home office in a new location!

Transactis moved to a new head office on 21 September 2020. The payment operator, which holds a 25% share of the market in France, made its home at the Delta building in Nanterre, providing its staff of more than 60 employees with newly refurbished offices this summer.

Located at 1/3 boulevard des Bouvets in Nanterre, the Delta building (near the Nanterre-Préfecture RER station) is ideally situated to keep Transactis geographically close to its clients.

The reason for the move was to provide the clients and staff of Transactis alike with a bright, welcoming and modern workplace that meets their needs as the company continues to grow (the workforce has expanded threefold since 2015). Spanning 15,000 m², the new offices offer a suitable, pleasant, innovative, contemporary and inspiring work environment for all.


Thanks to the development and adaptation of card manufacturing processes at Transactis, Societe Generale can now offer mobile payment users an instant digital card.


Previously, when clients cancelled their cards due to loss or theft, a new card was sent to them within a few days. They had no means of payment and could not withdraw cash during this waiting period.


Following the launch of Apple Pay in 2018, Transactis teams gave some thought to its clients’ request to capitalise on this mobile payment method and to develop a solution enabling holders to access their funds during these few days.


From now on, when a client cancels his card, a new digital card will be immediately available in his phone wallet. The user will then receive a notification to inform him that he may continue to pay for his purchases in store and on-line using his smartphone while waiting to receive his new plastic card by post.

Transactis is managing the COVID-19 health crisis without any particular difficulty and making every effort to stay close to its clients. We put two questions to Patrice Galy, Chairman of Transactis.



What concrete measures have you put in place in response to the health crisis?

The COVID-19 health crisis required us to quickly and proactively adapt Transactis’ various activities. Our priority has been to protect all of our employees and the service providers working in our teams, and to enable them to work securely from home, providing them with the resources they needed if they did not have them already. Thanks to these rapidly implemented measures, the teams were all equipped and operational in less than two weeks. We have thus been able to maintain an excellent quality of service for our clients and continue with our 2020 project development plan. During this remote working period, we have maintained a strong link with our employees via email, webinars and conference calls. Also, every week for the last two months or so, the management committee has had several Skype meetings to closely monitor the situation and ensure the business runs smoothly.

In addition, Transactis transformed its “ATM” call centre in just a few days to allow the teams to work from home. This called for a revision of the procedures for taking calls and holding discussions, in particular by creating groups on Skype. Thanks to this system, we were able to ensure that more than 98% of the 13,500 machines managed by Transactis were still available, machines that were all the more critical during lockdown for recipients of social benefits who needed to withdraw their money. Transactis’ major banking clients were particularly grateful for this efficiency (La Banque Postale, Société Générale and Crédit Du Nord).


How has Transactis been supporting its banking clients since the crisis began?

The Transactis teams were soon contacted by clients regarding various issues related to the health crisis, such as distributing bank cards, increasing the contactless spending limit to 50 euros, increasing withdrawal limits for particularly vulnerable customers, and even, just before the lockdown, plans to resupply ATMs.

Transactis has made every effort to provide its banking clients with quick and efficient solutions to deal with the difficulties they may face and offer them the best possible support during this crisis.



La Banque Postale is now offering its customers the chance to issue and receive instant transfers in euros within the whole SEPA using an integrated solution from Transactis.


Access to transactions at European level

La Banque Postale – which has offered the issue and receipt of instant payments over the national territory since 2019 – is now one of the first French banks to offer instant cross-border payments, by extending its instant payment service to the whole SEPA, for both issuing and receiving transfers.

This solution ensures an exchange between the bank and the CSMs (Clearing and Settlement Mechanisms), STET and EBA Clearing’s RT1. In addition, it enables La Banque Postale to query the European reference database of participating banking institutions in real time to check order feasibility as soon as possible.


A solution created by Transactis

This service was made accessible to La Banque Postale customers through the adoption of the Sopra Banking Software solution by Transactis. Transactis’ two bank clients – Societe Generale and La Banque Postale – thus benefit from effective technology. “The solution, which offers instant transfers in just a few seconds, opens the way to new practices, and will give our customers, whether companies or individuals, greater flexibility and efficiency in managing their payments,” comments Régis Folbaum, Director of Payments at La Banque Postale.


The immediacy sought by customers

The use of instant payments has grown during the public health crisis, with a rise of more than 30% in issues in May versus January, and almost 10% in May compared with April. By adopting instant payments in Europe, La Banque Postale is meeting the challenge of the transformation of payment methods and banking practices.

Transactis celebrates its 10th anniversary

Visuel de l'article

Last Wednesday October 3rd, Transactis celebrated its 10th anniversary at the Musée des Arts Forains with its team, clients and the CEO and chairman of its founding banks, Société Générale and La Banque Postale, Frédéric Oudéa and Rémy Weber. 

This anniversary party was an opportunity to celebrate Transactis’s story, its successes regarding e-banking and payments as a whole and the commitment of all its staff members who contributed to this wonderful human trip.

The commitment of the top managers of both founding banks, their clear strategic guidelines, the engagement of banking businesses and the collective resilience against competitors and technological challenges and the diversity of cultures have been the key levers of this success.



The 10th anniversary of Transactis was also that of a long lasting partnership based on a deep sense of trust, between Société Générale and La Banque Postale in the Payments field. 


Our warmest thanks to Société Générale, La Banque Postale, our other clients and partners for trusting us!

Apple Pay : Successful launch for societe generale, boursorama and Transactis's teams

Visuel de l'article

Backed by SOPRA, Transactis worked respectively with Societe Generale and Boursorama to roll out the Apple Pay solution (the world’s first co-badging solution – Visa and CB). The project (scoping, solution design and implementation) kicked off in mid-2016. It led to the launch of Apple Pay in February 2018, another success story to add to Transactis’s long list of successes since it was established. Congratulations to all the teams on this new success.



Apple Pay stands out above all by virtue of its inventiveness: it is an innovative solution in the payment instruments industry, based on card services (real-time clearing and settlement with banks). It was also a complex project: a solution constructed as the customer’s need matured, which required the close involvement of Transactis’s teams and impeccable adaptability and responsiveness.

The Apple Project is singular because it gathers a wide variety of clients having their own specificities: Apple, Idemia, Stet, Visa. Hundreds of players have been mobilized after the signature of the confidentiality agreement.

Apple pay has been successfully launched without incidents for all ( SG, APPLE, etc.). It opens Transactis’s way to new opportunities on the market.

Press releases

PRESS RELEASE - February 1st 2021


A key player in the payments industry, Transactis has processed more than 30 million Instant Payments since it launched its offering and today represents more than 30% of the French market.

 In an environment of regulatory constraints and growing pressure on costs, Instant Payment is a technological revolution that requires a significant investment by financial institutions.

In July 2020, Banque de France and Caisse des Dépôts launched a public call for tender with experts in the instant payment market. Their objective: to offer their respective clients a service providing Instant Payment and Interbank Exchange processing solutions, including filtering of flows and anti-fraud measures.


A long-term partnership

Thanks to its industrial platform, easily accessible via its APIs, Transactis is able to meet these challenges by offering Banque de France and Caisse des Dépôts a high-performance solution that is rich in functionality, economical and scalable, and capable of processing huge volumes at the same time as guaranteeing availability, resilience and security.

“We are delighted to count Caisse des Dépôts and Banque de France among our major clients, and we thank them for placing their trust in us. Transactis will offer them all its business and technical expertise to ensure their projects succeed, and to advise them on their future requirements”, said Patrice GALY, chairman of Transactis.

By using Transactis, Banque de France and Caisse des Dépôts will be able to share the costs of investing in regulatory and technical projects as well as in new products and services with all the major banks served by Transactis.

Instant Payment is developing exponentially and paving the way for new innovative services. It is therefore strategic for financial institutions to call on market experts that are capable of supporting not only the growth of Instant Payment, but also the development of new services, such as Request To Pay and, more generally, discussions within Europe on the EPI (European Payments Initiative).


Press release - December 2nd 2019

Image "news"



Since its instant payment offer was launched in December 2018, Transactis has enabled its client banks to send and receive wire transfers instantly in real time.


In 2019, Transactis processed over 6 million instant payments (IPs) for Societe Generale, La Banque Postale, Boursorama and the Crédit du Nord Group; it is currently ramping up to handle payments for Treezor, Ma French Bank and eZyness.


Transactis processes an average of 50,000 instant payments per day, with peak volumes up to 70,000 per day. It currently accounts for 35% of all IPs in France.

The Transactis IP platform is connected to the French interbank clearing and settlement system, which makes it possible to reach all French banks in real time and, starting in 2020, all European banks.


A comprehensive “Payment As A Service” platform with an API to facilitate integration.

 Transactis specialises in high volume payments and IT transaction processing in real time. The Transactis company offers a comprehensive range of turnkey services to host, process and clear instant payments through an API connection it provides on its portal.


“Transactis allowed Societe Generale to become one of the first banks to offer its clients the possibility to send instant payments on various web and mobile channels, including to their friends with the recent addition of Paylib. Societe Generale will continue to rely on Transactis to develop instant payment services and, in particular, the ability to send payments at the European scale at the start of 2020, along with services for its business clients,” notes Philippe Marquetty, Head of Payment Products, French Retail Banking, Societe Generale.


As a new instrument in the DPS2 landscape, instant payments open the door to a pooling and outsourcing strategy in the realm of payment flows.


In a context subject to regulatory limitations and growing cost pressures, instant payment is a technological revolution that requires banks to invest heavily. Sharing those upfront investments, as well as maintenance costs, is critical to the competitiveness of banking stakeholders.


“At the end of 2018, La Banque Postale turned to Transactis so it could offer its clients the ability to receive instant payments at a competitive price. By sharing the costs of building the instant payment platform with Societe Generale, La Banque Postale was able to take advantage of lower unit costs and a favourable deployment schedule, while capitalising on Transactis’ subject matter expertise in processing bank payments,” explains Regis Folbaum, Director of Payments, La Banque Postale.


As an established processor in the market, Transactis guarantees the smooth execution of instant payments for its financial institution clients on its production platform thanks to real-time monitoring of processing, transactions and interbank clearing and settlement. In addition, its platform includes a highly effective anti-fraud solution based on market tools that have proven themselves in countering fraud in electronic banking.

Its proven industrial IP platform can securely process large volumes and is ready to host new clients looking for an effective, economical and scalable solution.


Regardless of their size, Transactis gives financial institutions the ability to meet the challenge of instant payment and to establish themselves as innovators on the European payment market.



Press release - 29 march 2018

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La Défense, 29 march 2018




Having welcomed Banque Française du Commerce de l’Océan Indien (BFCOI) to its e-banking platform, following on from Boursorama (a 100% digital bank) in late 2016, Transactis continues to grow and now carries out IT processing for 13 banks and other financial institutions.

At the same time, the new SEPA payment flow management warehouse, a platform owned jointly by Societe Generale and La Banque Postale, is being rolled out.

With these commercial and operational successes under its belt, Transactis is beginning a new phase in its development by opening up to the market and proposing its e-banking and payment flow processing services to French and European financial institutions.




In this context, the company attended the Pay Forum on 19 March and presented its Instant Payment solution, which offers processing services compliant with this new scheme and value-added services. Modern and scalable, its solution is compatible with the many use cases anticipated for this new payment method (P2P, C2B, B2C or B2B).

Instant Payment will have to function in real time but also be capable of handling large volumes. Major investments are therefore needed to meet these criteria. It is in the interests of banks and financial institutions to use an Instant Payment solution in service processing mode if they want to keep their costs competitive in the context of PSD 2 and retain their ability to develop new banking offerings.

This is why Transactis is bringing an Instant Payment platform to the market, a solution designed in partnership with a software publisher, Sopra Banking Software. In France, Societe Generale, the Crédit du Nord Group, La Banque Postale and Boursorama have already opted to use it.

With this offering, Transactis aims to attract new customers and become a leading player in the payments market.




To coincide with its entry into the market, Transactis has presented its new brand identity which embodies both the increased scope of its services and its transformation. This new logo reflects the company’s desire to engage in a development dynamic and to support its existing and future customers.


Press contact :
Vidharshini Ferelloc
+331 42 14 10. 84

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