Accept all
online card payments
Card networks
Cartes Bancaires, Visa, Mastercard and American Express
Payment modes
Single and recurring
Payment facilities
Apple Pay, Google Pay, one-click and multi-card
Omnichannel
Online, remote and in-store
Currencies
Euro (EUR), Pound (GBP), Dollar (USD) and Swiss Franc (CHF)
Your payment tunnel
designed to convert
With or without a website, offer a payment experience that reflects your image
Integrate unique payment pages
Optimized experience for all devices
Compatible and customizable for all journeys
Hosted or API-integrated payment page
Send secure payment links
Automated monitoring of payment progress
Compatible and customizable for all journeys
Service available from backoffice or integrated via API
Offer your debtors a dedicated space
Monitoring of collections made and pending
Centralization of payment histories and activities
Hosted or API-integrated payment page
Streamline the management
of recurring card payments
Subscription
Set up your payment plans, authenticate cardholders and let payments flow automatically.
Card imprint
Check the validity and type of your customers' bankcard before recording their imprint for a deferred debit.
Pre-authorisation / deposit
Make sure of your customers' solvency, and block funds for up to 30 days before debiting them partially or completely.
For all sales contexts
A credit card payment solution to enhance your performance
E-commerce
Marketplace
Invoices
Debt collection
E-commerces
Merchant companies
Collection services
B2B companies
Turn the credit card
a performance driver
CentralPay makes card payments easy and affordable for everyone
For you
Get paid more and better, effortlessly
Fast access to funds
As the capture is instantaneous, the account is funded within 24 hours.
Flexible
The use of credit cards is just as effective for one-off payments as it is for recurring payments.
For all targets
Strong authentication reduces the risk of disputes and the associated cost of chargebacks.
For your customers
An unrivalled payment experience
For all targets
Widely used, the card is suitable for transactions under €2,000.
Optimal experience
The card offers several innovative payment facilities (Apple Pay, Google Pay, one-click...).
High level of security
The PCI-DSS standard and the strong authentication protocol ensure a high level of security.
Connect you business solutions
easily
Our credit card
payment solution
CentralPay enables you to accept remote payments by major credit card schemes (Cartes Bancaires, Visa, Mastercard, American Express...) and major currencies.
Card fees, known as Interchange+, include all commissions deducted from the merchant's credit card payment transactions:
- Interchange fee, charged by the cardholder's bank.
- Card Scheme Fees, charged by the bank card networks (CB, Visa, Mastercard, etc.).
- Service fees, invoiced by CentralPay to operate the platform and associated services. These fees vary according to collection volumes and payment options chosen.
Yes. This payment method is particularly suitable for recurring payments:
- By subscription, for companies with a recurrent billing model: daily, weekly, monthly, annual…
- Installment, for merchants willing to allow their customers to pay in installments, while automating the debt collection process.
There are several advantages to credit card payment:
- Speed: When you pay by credit card, the capture is carried out instantly, guaranteeing that your account will be funded within 24 hours.
- Accessibility: Widely used worldwide, credit cards are particularly suitable for transactions under €2,000.
- Bank-assured solvency: If the cardholder does not have enough funds, your account will still be credited with the amount of the transaction.
- Low dispute rate: The strong authentication protocol minimizes the risk of customer disputes and the associated chargeback costs.
Find out more about the 3DSecure 2.0 protocol >
- A wide range of payment facilities: The bankcard offers customers a wide range of payment features (Apple and Google Pay, multi-card, 1-click, etc.).
- Quick and easy integration: Whether hosted or integrated, a credit card payment form is relatively easy to integrate into your site.
There are 3 types of operation:
- Bank authorization: Inquiry with the cardholder's bank to verify the availability of funds. A valid authorization allows the merchant to capture the requested amount for up to 7 days.
- Capture: Card debit based on authorization or pre-authorization. The funds are insured, but the actual debit takes place during interbank clearing.
- Debit: Movement of funds from the cardholder's bank to the merchant's account. Usually executed after a validated authorization, but can be deferred for specific payments or variable amounts.
The 3DS protocol secures and validates the cardholder's identity, limiting the risk of card disputes. Nevertheless, other incidents may prompt a customer to contest a transaction: failure to provide service, lack of consent, non-compliant service, etc.
When a dispute occurs, CentralPay is notified of the disputed payment and will inform you as well. You then have 20 calendar days to send proof of delivery/consent/quality of service. A judgment is then issued to determine the dispute outcome:
- Win: You are successful, the outstanding amount has been rejected. The funds will be refunded to you.
- Lost: You are unsuccessful, and the unpaid balance is retained. The funds cannot be refunded.
What types of cards are accepted?
CentralPay enables you to accept remote payments by major credit card schemes (Cartes Bancaires, Visa, Mastercard, American Express…) and major currencies.
What are the fees associated to credit card payment?
Card fees, known as Interchange+, include all commissions deducted from the merchant’s credit card payment transactions:
- Interchange fee, charged by the cardholder’s bank.
- Card Scheme Fees, charged by the bank card networks (CB, Visa, Mastercard, etc.).
- Service fees, invoiced by CentralPay to operate the platform and associated services. These fees vary according to collection volumes and payment options chosen.
Is the credit card payment solution suitable for recurring payments?
Yes. This payment method is particularly suitable for recurring payments:
- By subscription, for companies with a recurrent billing model: daily, weekly, monthly, annual…
- Installment, for merchants willing to allow their customers to pay in installments, while automating the debt collection process.
What are the advantages of credit card payment?
There are several advantages to credit card payment:
- Speed: When you pay by credit card, the capture is carried out instantly, guaranteeing that your account will be funded within 24 hours.
- Accessibility: Widely used worldwide, credit cards are particularly suitable for transactions under €2,000.
- Bank-assured solvency: If the cardholder does not have enough funds, your account will still be credited with the amount of the transaction.
- Low dispute rate: The strong authentication protocol minimizes the risk of customer disputes and the associated chargeback costs.
Find out more about the 3DSecure 2.0 protocol >
- A wide range of payment facilities: The bankcard offers customers a wide range of payment features (Apple and Google Pay, multi-card, 1-click, etc.).
- Quick and easy integration: Whether hosted or integrated, a credit card payment form is relatively easy to integrate into your site.
What banking operations make up a credit card transaction?
There are 3 types of operation:
- Bank authorization: Inquiry with the cardholder’s bank to verify the availability of funds. A valid authorization allows the merchant to capture the requested amount for up to 7 days.
- Capture: Card debit based on authorization or pre-authorization. The funds are insured, but the actual debit takes place during interbank clearing.
- Debit: Movement of funds from the cardholder’s bank to the merchant’s account. Usually executed after a validated authorization, but can be deferred for specific payments or variable amounts.
What happens in the event of a card dispute?
The 3DS protocol secures and validates the cardholder’s identity, limiting the risk of card disputes. Nevertheless, other incidents may prompt a customer to contest a transaction: failure to provide service, lack of consent, non-compliant service, etc.
When a dispute occurs, CentralPay is notified of the disputed payment and will inform you as well. You then have 20 calendar days to send proof of delivery/consent/quality of service. A judgment is then issued to determine the dispute outcome:
- Win: You are successful, the outstanding amount has been rejected. The funds will be refunded to you.
- Lost: You are unsuccessful, and the unpaid balance is retained. The funds cannot be refunded.