Your direct debit journey
digitalized at last
Simplify the management of single or recurring direct debit payments
Single direct debit
Collect from your customers individually, in a single installment, without committing to a recurring mandate. A simple, secure alternative to bank transfers or cheques, you pre-register bank details for potential future settlement.
Payment of individual or exceptional invoices
Payment in arrears, post-delivery...
Collection after validation of a quotation/purchase order
Subscription
Professional and private payments
Support for fixed and variable periodicity
Compatible with special models (freemium, discount...)
Configure your mandates
with ease
Generate, send and sign dematerialized direct debit mandates effortlessly
Create and sign e-mandate
Collect your customer’s bank details in less than a minute via a secure online form.
To guarantee the identity of the signatory, we combine e-signature with a reinforced authentication system: a single-use code is sent by SMS to secure validation of the mandate.
Secure archiving
All signed mandates are automatically stored in a secure hosted environment. You can access them at any time and reuse them with a single click for future direct debits.
Each direct debit mandate is kept for 36 months after the last transaction.
Your direct debits management
fully automated
A direct debit solution to boost your performance
Dynamic planning
Schedule direct debits according to your business rules (on order, end of month, 15 days after delivery, etc.). Ideal for companies with variable billing cycles.
Automated tracking
Automate follow-up and communication tasks. When a due date approaches, the customer is informed and then debited according to the terms of the mandate.
Programmed retry
Set up retry attempts in case of failure. You decide when and how often CentralPay will automatically retry.
For all sales contexts
E-commerce
Marketplace
Invoices
Debt collection
E-commerces
Merchant companies
Collection services
B2B companies
Turn direct debit
a performance driver
CentralPay makes direct debit payment simple and affordable for everyone
For you
Get paid more and better, effortlessly
High conversion
SDD is not subject to the limit and expiry dates that apply to cards.
Automated management
Processing tasks are fully automated (customer communication, retry....).
Low cost
Direct debit payment involves no administration costs (with the exception of disputes).
For your customers
An unrivalled payment experience
For all targets
Widely used, sampling is suitable for both professional and private customers.
Optimum experience
Once the mandate has been signed, no action is required on the part of the customer, with no time limit.
Assuredly secured
Bank-to-bank payment without sharing sensitive data: customer reassurance.
Connect you business solutions
easily
Our direct debit payment solution
SEPA is the European Union's initiative to simplify and harmonize bank transfer payments, direct debits and credit card payments in euros within the 30 member countries of the European Economic Area.
Among the SEPA payment method, SDD (SEPA Direct Debit) is the direct debit system that enables creditors to collect payments from their debtors in accordance with SEPA rules. A SEPA direct debit payment and an SDD payment therefore correspond to the same service.
A distinction is made between SDD Core and SDD B2B:
- SEPA Core, the traditional direct debit, involves signing a mandate and transmitting your bank details to your creditor (IBAN and BIC), who then operate the direct debit.
- SEPA B2B is mainly used by public institutions or companies to debit other companies, as they are not contestable.
SDD payment offers several advantages:
- Seller-initiated: Once the mandate has been created, it requires only authorization from the customer to execute direct debits.
- Low cost: It is much cheaper than direct debit cards, particularly business cards.
- No limit: It is not subject to the same limits and expiry dates as other cards.
- Optimized processes: It improves and accelerates customer relationship management and debt collection.
A customer has 13 months from the date the account is debited to contest a direct debit payment. In this case, the merchant will have to pay a fee of up to €20 to cover those charged by CentralPay's bank for each refused transaction.
What do the acronyms “SEPA” and “SDD” stand for?
SEPA is the European Union’s initiative to simplify and harmonize bank transfer payments, direct debits and credit card payments in euros within the 30 member countries of the European Economic Area.
Among the SEPA payment method, SDD (SEPA Direct Debit) is the direct debit system that enables creditors to collect payments from their debtors in accordance with SEPA rules. A SEPA direct debit payment and an SDD payment therefore correspond to the same service.
What's the difference between SDD Core and SDD B2B?
A distinction is made between SDD Core and SDD B2B:
- SEPA Core, the traditional direct debit, involves signing a mandate and transmitting your bank details to your creditor (IBAN and BIC), who then operate the direct debit.
- SEPA B2B is mainly used by public institutions or companies to debit other companies, as they are not contestable.
What are the advantages of SEPA direct debit payments?
SDD payment offers several advantages:
- Seller-initiated: Once the mandate has been created, it requires only authorization from the customer to execute direct debits.
- Low cost: It is much cheaper than direct debit cards, particularly business cards.
- No limit: It is not subject to the same limits and expiry dates as other cards.
- Optimized processes: It improves and accelerates customer relationship management and debt collection.
What happens in case of a customer dispute?
A customer has 13 months from the date the account is debited to contest a direct debit payment. In this case, the merchant will have to pay a fee of up to €20 to cover those charged by CentralPay’s bank for each refused transaction.