CAWL: Crédit Agricole : The Enterprise Payment Gateway for Odoo
CAWL (Crédit Agricole & Worldline) brings together the trusted banking infrastructure of Crédit Agricole, France's largest retail bank, with the payment technology of Worldline, Europe's #1 payment processor. With our CAWL payment module developed by DevTalents, integrate this powerful payment gateway directly into your Odoo eCommerce store and accept 30 payment methods with enterprise-grade security.
This module leverages CAWL's Hosted Checkout approach, meaning your customers are redirected to a fully secure, PCI DSS-compliant payment page hosted by CAWL : no card data ever touches your Odoo server. Combined with 3D Secure 2, tokenization for recurring payments, and real-time webhook notifications, CAWL delivers a payment experience that is both secure and seamless.
Why Choose CAWL for Your Odoo Store?
CAWL combines the best of French banking and European payment technology into a single, unified gateway.
With over 52 million customers and a presence in 46 countries, Crédit Agricole is one of the world's most stable financial institutions, ensuring rock-solid payment processing.
Worldline processes billions of transactions per year for merchants across 30+ countries, powering secure payments with cutting-edge technology.
Full PCI DSS compliance via Hosted Checkout. 3D Secure 2 with frictionless and challenge flows. Strong Customer Authentication (SCA) ready for DSP2 regulations.
Cards, wallets, BNPL, vouchers, instant transfers — from Visa and Mastercard to Apple Pay, Google Pay, PayPal, Klarna (Pay Now, Pay Later, Pay Over Time), iDEAL, Alipay+, WeChat Pay, Sofinco, Oney, and more. All in one integration.
Card Payments
8 international card networks covering 249+ countries with 3D Secure 2, tokenization, and real-time authorization.
Visa
One of the world's largest card brands, facilitating online payments in over 200 countries. Supports Visa Credit, Visa Debit, Visa Electron and Verified by Visa (3D Secure) for maximum fraud protection.
Mastercard
Processing transactions in 210 countries since 1966. Supports Mastercard Credit, Mastercard Debit, and Mastercard SecureCode for enhanced online security.
Cartes Bancaires (CB)
France's national card scheme and the most commonly issued card brand in the country. Always co-branded with Visa, Mastercard, or Maestro for international acceptance. Lower interchange fees and lower fraud rates than Visa/Mastercard.
American Express
Premium card network accepted in 190+ countries. Leverages Amex SafeKey (3D Secure) to detect and reduce online fraud with an extra layer of authentication for high-value transactions.
Maestro
Mastercard's debit card brand launched in 1992 — the first global online debit card based on PIN. Wide acceptance across Europe due to co-badging with domestic card schemes.
Discover
American card network launched in 1985, now serving 100 million users globally (57 million in the US). Features ProtectBuy, Discover's own 3D Secure implementation for secure online payments.
JCB (Japan Credit Bureau)
Japan's first and largest credit card network, established in 1961. Over 150 million cardholders in 23 countries with strategic partnerships with Discover (US), UnionPay (China), Amex (Canada) and RuPay (India). Features J/Secure payer authentication.
Diners Club
A premium card scheme targeting high-income consumers, operating in 59 countries with a focus on travel and entertainment sectors.
Digital Wallets
5 digital wallets covering Apple, Google, PayPal, Alipay+ and WeChat Pay — from one-tap mobile payments to 1.3 billion+ Asian consumers.
Apple Pay
Seamless mobile payments for iPhone, iPad, Mac and Apple Watch users. Apple Pay tokenizes card data using device-specific account numbers — card details are never stored on the device or shared with merchants. Supports Visa, Mastercard and American Express networks.
Google Pay
Google's digital wallet for fast, secure payments across Android devices, Chrome browsers and Google services. Customer card details are never shared — encrypted payment tokens ensure maximum security. Supports Visa, Mastercard and American Express.
PayPal
The world's most popular digital wallet with 400 million+ active users across 200+ markets. Offers buyer protection, seller protection, and Pay Later options (Pay in 3/4, Pay in 30, Pay Monthly). Supports Express Checkout for streamlined address selection.
Alipay+
A suite of global digital wallets with over 1 billion users. Connects multiple regional wallet providers including Alipay, Alipay HK, Kakao Pay, Touch 'n Go eWallet, TrueMoney and GCash — giving you access to Asian consumers via QR code scanning on desktop or native app on mobile.
WeChat Pay
Integrated into the WeChat super-app with 900 million+ monthly active users. Customers pay in Chinese Yuan (CNY), while merchants receive settlement in their local currency. QR code scanning on desktop or direct app switch on mobile.
Buy Now, Pay Later & Installments
5 BNPL options to boost conversion and average cart size — Klarna (Pay Now, Pay Later, Pay Over Time), Sofinco 3x-4x, and Oney 3x-4x.
Klarna
Europe's leading BNPL provider offering Pay Now (bank transfer, direct debit, card), Pay Later (30 days), and Financing (3-36 monthly installments). Also supports Klarna B2B via Billie for business purchases. Payment guaranteed by Klarna.
Sofinco 3x-4x
Crédit Agricole's own installment solution — split payments in 3 or 4 times. 100% digital journey with instant validation. Merchants receive the full order amount immediately while Sofinco assumes the default risk. Omnichannel: online, in-store, call centers.
Oney 3x-4x
Multi-installment payment solution available in 9 European countries allowing customers to split payments in 3 or 4 installments. Payment guaranteed by Oney. Provided via Thunes payment portal.
Local European Payment Methods
10 local payment methods covering the Netherlands, Belgium, Austria, Portugal, Poland, Switzerland, China and France — each dominant in its home market.
iDEAL | Wero
The most popular payment method in the Netherlands — a real-time bank transfer solution used for 70%+ of Dutch online transactions. Starting January 2026, iDEAL co-badges with Wero, the emerging European payment standard. Non-reversible transactions with zero interchange fees.
Bancontact
The most frequently used payment method in Belgium. Supports QR code (desktop/tablet), URL Intent (mobile) via the Payconiq by Bancontact app, and card PAN entry. Co-badged with Maestro cards per EU regulation. Real-time authorization with built-in fraud authentication.
EPS (Electronic Payment Standard)
Austria's official online bank transfer method, supported by the Austrian government. Customers select their bank, authenticate via online banking, and confirm with TAN. Real-time processing with full refund support.
MB Way
Portugal's most popular mobile payment method — an e-wallet allowing customers to pay from their mobile device with a pre-registered card. Cross-device flow: customers confirm via phone number and PIN on the MB Way app.
Multibanco
Portuguese post-paid payment voucher system. Customers receive a reference number and have 2-3 days to complete payment at any ATM in the Multibanco network (via card or cash). Payment guaranteed once completed.
Przelewy24 (P24)
Poland's dominant online payment aggregator — a network of 165 banks enabling instant bank transfers. Customers authenticate through their bank's online interface for immediate results. Also available in Germany.
TWINT
Switzerland's #1 mobile payment app with 3.5+ million active users. Customers can link bank accounts, credit cards, or prepaid cards. Supports QR code on desktop and direct app launch on mobile. User-on-File recurring payments available.
PostFinance Pay
Switzerland's postal banking e-wallet serving ~1 million customers. Linked to PostFinance cards — customers pay without sharing card details. Supports Express Checkout, tokenization for recurring payments, and QR code flow on desktop. Available across 28 European countries.
UnionPay International (UPI)
China's national card network with 9 billion+ cards issued worldwide — the world's largest card network by number of cards. Essential for merchants targeting Chinese tourists and cross-border commerce.
Linxo Connect
Crédit Agricole's open banking payment initiation solution. Customers pay directly through their banking app — seamless bank-to-bank transfers without card details. Dynamic descriptor on bank statements. Multi-language support (FR, EN, ES, IT, DE).
Vouchers & Gift Cards
4 voucher and gift card solutions — accept meal vouchers, holiday vouchers, and multi-brand gift cards with complementary card payments.
Mealvouchers
A unified integration for Belgian and French meal vouchers. Supports 6 providers: Monizze, Sodexo (Belgium), Pass Restaurant, Up Chèque Déjeuner, Swile, Apetiz/Bimpli (France). Complementary card payment for remaining balance. Also accepts Eco & Gift vouchers.
Chèque-Vacances Connect
France's digital holiday voucher for vacations, leisure, and sports. Customers confirm via the ANCV mobile app with PIN. Remaining balance is automatically paid by card. Payment guaranteed by Thunes.
Illicado
Multi-brand gift card accepted at thousands of French retailers. Customers enter card number and password — multiple cards can be combined. Complementary credit card payment for remaining balance. Max €250 per transaction (EU AML5 directive).
Intersolve
European gift card and e-bon platform with 90+ branded gift cards across Belgium and the Netherlands (Boekenbon, HEMA, Center Parcs, and more). Complementary payments supported. Max €250 per transaction (EU AML5). Full refunds within 14 days.
Tokenization & Recurring Payments
Our CAWL module supports card-on-file tokenization, enabling secure recurring and one-click payments for your returning customers.
After the first payment, card details are securely tokenized by CAWL. Returning customers can pay with one click — no need to re-enter card details.
Use stored tokens for subscription renewals, recurring charges, or unscheduled merchant-initiated payments — fully automated.
Tokens are stored by CAWL (Worldline), not on your Odoo server. Only a token reference is kept locally — fully PCI DSS compliant.
Every payment request includes a unique idempotency key, preventing duplicate charges — even if a network error occurs during processing.
Aperçu technique
| Fonctionnalité | Détails |
|---|---|
| Provider | CAWL : Crédit Agricole (cawl-solutions.fr) |
| API | CAWL Hosted Checkout REST API v2 (JSON-based) |
| Authentification | GCS v1HMAC — HMAC-SHA256 signature with API Key + API Secret |
| Flux de paiement | Hosted Checkout — secure redirect to CAWL payment page |
| 3D Secure | 3D Secure 2 — auto-detected with frictionless and challenge flows |
| Tokenization | Card-on-file tokenization for recurring and one-click payments |
| Sécurité | PCI DSS compliant, HMAC-SHA256 signatures, TLS encryption, DSP2/SCA ready, Idempotency-Key headers |
| Webhook | Real-time server-to-server notifications with HMAC-SHA256 signature verification (X-GCS-Signature) |
| Multi-devises | Automatic ISO 4217 currency detection — supports any currency configured in Odoo |
| Moyens de paiement | 30 methods: Visa, Mastercard, CB, Amex, Maestro, Discover, JCB, Diners Club, Apple Pay, Google Pay, PayPal, Klarna, Sofinco 3x-4x, Oney 3x-4x, iDEAL | Wero, Bancontact, Alipay+, WeChat Pay, EPS, MB Way, Multibanco, Przelewy24, PostFinance Pay, TWINT, UnionPay, Linxo Connect, Mealvouchers, Chèque-Vacances Connect, Illicado, Intersolve |
| Localization | French Spanish Italian German Dutch Portuguese |
| Dépendances | No external Python library required — uses standard requests only |
Pan-European & International Coverage
With CAWL, you can serve customers from across Europe and beyond. Each local payment method connects you to a specific market:
| Region | Local Payment Methods | Market Impact |
|---|---|---|
| 🇫🇷 France | Cartes Bancaires, Sofinco 3x-4x, Linxo Connect, Mealvouchers, Chèque-Vacances Connect, Illicado | Full French market — CB covers 95%+ of card payments, plus BNPL, vouchers, and open banking |
| 🇳🇱 Pays-Bas | iDEAL | Wero, Intersolve | 70%+ of Dutch online payments use iDEAL, plus 90+ gift card brands |
| 🇧🇪 Belgique | Bancontact, Mealvouchers, Intersolve | 80%+ of Belgians prefer Bancontact, plus meal vouchers and gift cards |
| 🇦🇹 Austria | EPS | Austria's official government-supported online bank transfer method |
| 🇵🇹 Portugal | MB Way, Multibanco | Together they cover 90%+ of Portuguese online payments |
| 🇵🇱 Poland | Przelewy24, Oney 3x-4x | P24 connects 165 banks — dominant in Poland's fast-growing eCommerce market |
| 🇨🇭 Switzerland | TWINT, PostFinance Pay | TWINT has 3.5M+ users, PostFinance serves ~1M customers — together they dominate Swiss payments |
| 🇩🇪 Allemagne | Klarna, Przelewy24, Oney 3x-4x | BNPL is hugely popular in Germany — Klarna is a market leader |
| 🇪🇸 Spain / 🇮🇹 Italy | Klarna, Oney 3x-4x | Growing BNPL adoption across Southern Europe |
| 🇨🇳 China & Asia | Alipay+, WeChat Pay, UnionPay | Access 2 billion+ Asian consumers for tourism and cross-border commerce |
| 🌍 Global | Visa, Mastercard, Amex, Discover, JCB, Diners, Apple Pay, Google Pay, PayPal | 249+ countries — worldwide acceptance for international customers |
Comment ça fonctionne
Un flux de paiement fluide et entièrement automatisé :
Choose from 30 payment methods — cards, Apple Pay, Google Pay, PayPal, Klarna, iDEAL, Bancontact, Alipay+, vouchers, and more — at Odoo checkout.
Odoo creates a Hosted Checkout session via HMAC-SHA256 authenticated API call and redirects to CAWL's secure payment page.
Customer completes payment on CAWL's hosted page (with 3D Secure 2 if applicable). Card data never touches your server.
Webhook notification + browser return URL ensure your Odoo transaction is always synchronized — even if the browser is closed.
Enterprise-Grade Security
CAWL leverages one of the most battle-tested payment security infrastructures in Europe.
Every API request is signed with HMAC-SHA256 using your API Secret. The GCS v1HMAC authorization header ensures tamper-proof communication.
Incoming webhooks are verified with HMAC-SHA256 using a separate Webhook Secret — preventing spoofed notifications from reaching your Odoo.
Customers enter card details on CAWL's hosted page — your Odoo server never sees, stores, or processes raw card data.
Automatic 3D Secure 2 with frictionless authentication for low-risk transactions and challenge flows for high-risk ones — fully DSP2/SCA compliant.
Ready to Accept CAWL Payments in Your Odoo Store?
Get our CAWL module and offer your customers 32 payment methods — with bank-grade security and pan-European coverage.
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