without human intervention
natively integrated
operating independently
A fully automated infrastructure
Open collection accounts for your third parties. With each payment, CentralPay applies your allocation rules and automatically transfers the funds to their account.
Your third parties have their own monitoring space: real-time balance, transaction history, documents available independently.
View payment accounts
The end-to-end orchestration of third-party fund transfers
Automatic ventilation of commissions
Define your commission model. CentralPay calculates, deducts and credits your commission account, with transaction-by-transaction traceability.
Instant internal transfers
Collect payments on behalf of third parties, automatically allocate and redistribute funds within CentralPay merchant accounts, without any human intervention.
Dedicated portal
per user
Provide your third parties with a dedicated space to track their transactions, view their fees, export their transaction data…
PSD2 compliancenatively integrated
Collecting and disbursing funds on behalf of third parties is an activity regulated by PSD2.
By using CentralPay, an authorized payment institution, you operate in full compliance without having to manage regulatory obligations yourself.
You remain focused on your business and its growth.
Discover CentralPay
Other services related to third-party management
Third-party onboarding
Integrate your users or partners seamlessly, from a compliant, hosted or custom-built portal.
Discover automated onboarding
Banking ecosystem
Discover the payment orchestration solution to manage the storage and movement of funds between your accounts.
Discover Banking
FAQs
Questions about third-party funds via Central payingPay ?
Third-party payment refers to a process in which a company collects funds on behalf of sellers, partners, or service providers before remitting the amounts due to them. This model is commonly used by marketplaces, digital platforms, booking platforms, and players in the sharing economy.
A third-party payment solution automates this entire process. It collects payments, distributes funds among the various beneficiaries, applies any applicable commissions, and triggers payouts based on predefined rules. All operations are centralized on a single platform to facilitate transaction tracking and financial flow management.
This activity is regulated by PSD2 and requires the use of an authorized payment institution such as CentralPay.
Third-party payment relies on a process that enables the collection, allocation, and disbursement of funds among multiple beneficiaries. When a customer makes a payment, the funds are first received by the payment platform and then distributed to the various parties involved according to rules defined by the company.
Each transaction is tracked, allowing for real-time monitoring of fund movements and simplifying transaction reconciliation.
Collecting funds on behalf of third parties is a regulated activity. In Europe, only entities holding a payment institution or electronic money institution license—or those acting in partnership with a licensed provider—may offer this type of service in compliance with regulations.
Companies that collect funds on behalf of third parties, such as marketplaces, rely on a licensed payment service provider (PSP). The PSP handles regulatory obligations associated with payment services, such as fund safeguarding, compliance checks, and financial flow management.
As a payment institution, CentralPay enables companies to benefit from a regulatory-compliant third-party payment solution. This allows them to collect payments, distribute funds among multiple beneficiaries, and automate payouts, all while leveraging a secure infrastructure tailored to their business needs.
CentralPay offers three models: Technical Partner (for traditional marketplaces), Electronic Money Distributor (for C2C platforms), and PSP Agent (for complex financial platforms). Our teams will assist you in choosing the model best suited to your business.