CentralPay equity
only on your terms
(Bank of France) since 2019
A secure and compliant environment
Receipts are deposited into dedicated accounts, separate from CentralPay’s treasury.
You do not have to bear the regulatory responsibility for segregation: CentralPay ensures the protection and traceability of funds until they are transferred to the bank accounts.
Three mechanisms for protecting collected funds
Strict segregation of funds
In the event of a failure, the funds remain protected and identifiable.
Custom unlock date
CentralPay holds them until the defined deadline, according to its control policy, thus protecting you from disputes and fraud.
Full environmental compliance
Segregated funds are deposited into accounts opened with French banks, in accordance with the Monetary and Financial Code.
After the cantonment, the transfer
Trigger internal or external transfers according to your business logic.
Third party payment
Schedule transfers to your third parties’ payment accounts, according to conditions defined in advance.
Disbursement of funds
Withdraw your earnings whenever you want. Choose the frequency, amount, and destination account for each outgoing transfer.
FAQ
Questions about the escrow of funds by CentralPay?
Segregation is the regulatory obligation for payment and electronic money institutions to separate funds collected on behalf of third parties (marketplaces, platforms, etc.) from their own funds. These funds are deposited in segregated accounts opened with credit institutions, which isolates and protects them in the event of the payment institution's failure.
CentralPay is an Electronic Money Institution authorized by the ACPR (Banque de France, CIB 17138). Funds collected on behalf of your clients are held in dedicated accounts with major French banking groups, separate from CentralPay's own funds. This system is regularly audited and complies with the regulatory requirements applicable to Electronic Money Institutions.
CentralPay is the sole decision-maker regarding the release of funds. You transmit commercial data (release date, logistical event, commission) for informational purposes only. This information does not constitute a payment order and does not trigger any automatic financial action.
You cannot directly modify a transfer or a release date. Any cancellation or reversal of a release occurs only as a result of an event affecting the source transaction (cancellation, refund), under the control of CentralPay.
The escrow account is not a sequestration account. CentralPay cannot indefinitely block a merchant's funds pending a commercial event: making the funds available to the beneficiary remains a regulatory obligation. The release date allows for deferring this release over time, but it does not make payment contingent upon the successful completion of an order. It is a tool for managing time-related risk, not a transaction guarantee mechanism.