Creation of a major player in mobile payment Lyf Pay

Creation of a major player in mobile payment Lyf Pay - born out of the merger of Fivory and Wa! – is the new mobile payment universal solution for customer relationship management

Lyf Pay will enrich and simplify the life of its customers. Announced last October, the merger of Fivory and Wa! promised an innovative and unique solution to meet the needs of merchants and consumers in their day-to-day lives. This has now been done: the application will be available for all smartphones from 18 May.

Stakeholders in a unifying ecosystem

As users become increasingly mobile and connected, developing new shopping experiences, managing customer relationships and monitoring the data gathered are major challenges both for retailers and for banks.

In light of these new challenges, Lyf Pay is a unique undertaking in Europe that brings together under strong governance the leading players in their fields: BNP Paribas, Carrefour, Crédit Mutuel*, Auchan, Mastercard, Oney, Total.

An innovative mobile payment application

Lyf Pay offers an innovative mobile payment application, multi-service and secure, to aid the customer relationship.

Central to new digital models, service personalisation and responsible data management are a prerequisite for the merchant and the consumer. Lyf Pay is providing people with their technology to develop a close relationship between all stakeholders in the ecosystem: consumers, merchants and banking partners.

An application designed to simplify the day-to-day life of users

Developed together with merchants and designed for consumers, the Lyf Pay application covers an extremely broad field of activity: payment in-store (from small merchants to large retailers), online purchases, payment between friends or even gift to an association. Incorporating payment cards, loyalty cards, coupons, it creates a close relationship with the consumers it supports, offering them updates on their favourite stores, offers they can enjoy and information on their spending.

Non-proprietary, the application can be installed on any type of smartphone. While built on the expertise of the banks securing the transactions, it is the result of significant work surrounding usability and the smoothness of the user experience: a simple response to the challenge created by the digitisation of user spending.

A solution already adopted by the market that looks promising

With multiple large retailers having signed up and supported it, including Auchan Retail France and Total, many independent merchants and partners particularly in the field of events and associations (cultural, sport, charitable, student,…) as well as in direct sales, Lyf Pay is a proven solution.

With a national roll-out beginning on 18 May, Lyf Pay will quickly offer more points of sale and services accepting the application. This application will also add further functionality to better handle the increasing number of uses.

About BNP Paribas

BNP Paribas is a leading bank in Europe with an international presence. It operates in 74 countries, with over 190,000 employees, including over 146,000 in Europe. The Group has key positions in its three major business areas: Domestic Markets and International Financial Services, while the retail banking networks and financial services are grouped together in Retail Banking & Services, and Corporate

& Institutional Banking, focussed on Corporate and Institutional customers. The Group works with all its customers (individuals, associations, entrepreneurs, SMEs, large corporates and institutions) to help them turn their plans into reality by offering them financing, investment, savings and protection services. In Europe, the Group has four domestic markets (Belgium, France, Italy and Luxembourg) and BNP Paribas Personal Finance is the leader in consumer credit. BNP Paribas also operates its integrated retail banking model in the countries of the Mediterranean Rim, Turkey, Eastern Europe and has a major network in the Western United States. In its Corporate & Institutional Banking and International Financial Services businesses, BNP Paribas is a leader in Europe with a major presence in the Americas, as well as a solid platform and strong growth in Asia-Pacific.



About Carrefour

A global leader in retail and the reference in food retail, Carrefour operates close to 12,000 stores and e-commerce sites in more than 30 countries. Multi-local, multi-format and omni-channel, the Group has over 380,000 employees worldwide and generated total sales of €103.7 billion under its brands in 2016. Every day, Carrefour welcomes close to 13 million customers around the world and is committed to quality and to more sustainable trade. The Group’s CSR approach worldwide is built on three pillars: fighting against waste in all its forms, protecting biodiversity and working alongside the company’s partners.

For more information:, @GroupeCarrefour on Twitter



About Crédit Mutuel*

A leading European Bank, recognised for its financial strength and top-quality ratios, Crédit Mutuel remains deeply committed to its core retail banking business and to its mutualist values. It has gradually diversified over time: firstly into bancassurance in the early 70s and more recently to other fields (telephony, remote surveillance, contactless payments…). Its technological expertise, which has consistently been a focal point of its development strategy, has enabled Crédit Mutuel Group to become one of Europe’s leading payment solutions providers.

About Auchan Retail France

Auchan Retail France encompasses all food retail formats with 141 branded hypermarkets, 323 supermarkets under the Auchan Supermarché and Simply Market brands, My Auchan and A2Pas convenience stores, drive-through outlets and e-commerce sites. The company has 76,000 employees in France with over 420 million visits to its stores in 2016 and over 170 million online visits. It plans to create a single brand that is multi-format, connected and responsible to meet the expectations of an omni-channel clientele, whatever their shopping preferences.

About Lyf Pay

Lyf aims to offer both merchants and consumers an innovative, open and large-scale payment solution for customer relationship management. The result of the merger of Fivory and Wa!, two proven mobile payment solutions, Lyf responds to the major challenges faced by stakeholders in the payments industry and in commerce, which include developing new shopping experiences, managing customer relationships and monitoring the data gathered.

As users become increasingly mobile and connected, Lyf aims to anchor mobile payment in a sustainable manner, and places great importance on partnership with merchants and consumers. In this context, Lyf has created the mobile payment solution Lyf Pay, an application that brings together all of the features users need to make their everyday lives easier, both in shops and online.

Incorporating mobile payments, loyalty cards, coupons and online offers, as well as friends and family payments and charitable donations, Lyf Pay is a complete application that is accessible to everyone and looks set to become a major ally for consumers in their day-to-day life.

With the active support of leading players in their industry, many independent merchants and partners, particularly in the field of events (cultural, sport, etc.), and associations (cultural, sport, charitable, student, etc.), as well as in direct sales, Lyf Pay is a proven solution and is already operational. Welcome to the world of Lyf Pay, the application that embodies payment today!

About Mastercard

Mastercard (NYSE: MA) is a technology company in the mobile payments industry. The company operates the world’s fastest payments processing network, connecting consumers, financial institutions, merchants, governments and businesses in more than 210 countries and territories. Mastercard’s products and services help make everyday commercial transactions, including shopping, travel, corporate and personal finance management, ever simpler, more secure and more efficient for everyone.

Follow us on Twitter: @MastercardFR, @MastercardNews, join the discussion on BeyondTheTransaction Blog and subscribe for alerts from the global Engagement Bureau or the Engagement Bureau in French.


About Oney

Created in 1983, Oney is a subsidiary bank of Auchan Holding and currently has operations in 11 countries (China, Spain, France, Hungary, Italy, Malta, Poland, Portugal, Romania, Russia and Ukraine) and 2,900 employees worldwide, including 900 in France. As a partner to merchants, Oney helps them in all sales channels to redefine and optimise their customer experiences by capitalising on its dual identity as a banker and merchant. Thanks to innovative technologies, its expertise in all electronic and traditional payment solutions, its customer knowledge and its understanding of new modes of consumption, Oney enables its partners to offer their customers more simple, secure, cross-channel and innovative shopping experiences. Since 1 July 2016, in France the name Oney has replaced Banque Accord and become the single brand for the Group.

About Total’s Marketing & Services division

Total Marketing & Services supplies and markets petroleum products and provides associated services. Its 30,000 employees operate in 110 countries, while its products and services are available in 150 countries. Total Marketing & Services serves 4 million customers daily across its network of over 16,000 service stations in 65 countries. The 4th largest lubricant marketer worldwide and the number one marketer of petroleum products in Africa, Total’s commercial arm relies on 50 production sites worldwide where lubricants, asphalt, additives, fuels and special fluids are manufactured.

Media contact

BNP Paribas
Malka Nusynowicz – +33 (0)1 42 98 36 25 –

Service de presse groupe – +33 (0)1 41 04 26 17 –

Crédit Mutuel
Frédéric Monot – +33 (0)1 53 48 79 57 –

François Cathalifaud – +33 (1) 58 65 08 10 –

Lyf Pay (StoriesOut)
Myriam Arnaud – +33 9 81 86 41 81 –
Esther Joubert –

Mastercard en France
Donatienne Douriez – +33 1 42 73 81 23 –
Flavia Sola – +33 1 41 11 37 93 –

Agathe Bruandet + 33 1 47 44 46 99

Mylène Engelspach – 03 28 38 59 26 /
Ornella Lulundakio – 01 41 34 21 49 /
Clémence Brondel – 01 58 65 00 50 /