Your payments by bank transfer
made easy

CentralPay facilitates the collection and processing of your customer transfers, so that your teams can concentrate on the essentials
solution de paiement par virement : étape du parcours en ligne où le client choisit le virement
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Improve

payment experience

Automate

associated management

Reduce

operating costs

Accept all
bank transfer payments

Invoice payment or online transactions: your customers pay by bank transfer with ease

Classic transfer

Receive instant or standard transfers, immediately reconciled and updated in your tools, for perfect, real-time visibility of your customer collections.

Compatible with EBICS protocol

Adapted to professional and individual payments

Omnichannel (online, remote and in-store)

page qui récapitule les informations pour réaliser un paiement par virement

Pay by Bank

Send bank transfer requests to your customers, within their banking area. You fill in the amount, your IBAN and your references for them, so that all they have to do is confirm the transfer.

Compatible with EBICS protocol

Adapted to professional and individual payments

Omnichannel (online, remote and in-store)

See the service
réalisation d'un règlement par initiation de paiement, dans son espace bancaire du client

Stop reconciling
your bank transfers

Each incoming bank transfer is automatically identified, traced and reconciled

Virtual IBANs

Generate a dedicated IBAN for each customer and a unique reference for each group of invoices. On receipt of the transfer, CentralPay automatically identifies the issuer and reconciles the invoice for you, even in the event of a reference error.

The result: your team becomes more efficient, and your processing costs are drastically reduced.

onglet du backoffice de CentralPay qui liste les IBAN virtuels associés à un compte principal

Processing engine

Automate the processing of incoming transfers using customized rules: reconciliation by amount or by reference, alerts and decision support in the event of anomalies, refund of overpayments.

Reduce manual intervention and improve responsiveness, so that your team can concentrate on complex or strategic tasks.

page qui montre les derniers paiements par virement et la gestion des rapprochements automatiques
Bank transfer

For all payment paths

A bank transfer solution to boost your performance

E-commerces

Merchant companies

Online or
distance selling

Accept all online payments by card, bank transfer and direct debit

Collection services

B2B companies

Invoice
collection

Collect, dun and reconcile your customer receivables effortlessly

SaaS platforms

Service companies

Subscriptions and
recurring services

Automate recurring settlements and reduce overdue payments

Turn your transfers
into performance drivers

CentralPay makes paying by bank transfer easy and affordable for everyone

For you
Get paid more and better, effortlessly

Reliability & conversions
Unlike cards, payment by bank transfer is successful in 99.9% of cases.

Up to 15x cheaper
For merchants, credit transfers are a real lever for reducing operational costs.

Easier management
In addition to transfers, we offer a range of services to automate processing, reconciliation and transfers.

For your customers
An unrivalled payment experience

For all target groups
Whether you're a professional or a private customer, the transfer can be adapted to your needs and the size of your basket.

Assuredly secured
Bank-to-bank payment without sharing sensitive data: customer reassurance.

Ever smoother payment flows
A range of innovative transfer payment facilities, without manual input or friction.

New

Instant transfers, the new standard in e-commerce?

Read the article

Connect you business solutions
easily

The CentralPay payment platform integrates easily with the systems you already use

A dedicated portal for
your finance teams

CentralPay provides a user portal and a file exchange service (CSV, banking formats, etc.) to enable your teams to use our solutions today, without any development.
See connectivity services
onglet du backoffice de CentralPay qui permet d'importer des données de paiement (factures, créances)

All our payment services
integrated into your solutions

Automate data exchanges by connecting CentralPay to your internal/partner tools via API (ERP, information systems, electronic invoice platforms, etc.) and be notified in real time.
View documentation
page du tableau de bord d'un ERP connecté à CentralPay

A dedicated portal for
your finance teams

CentralPay provides a user portal and a file exchange service (CSV, banking formats, etc.) to enable your teams to use our solutions today, without any development.
See connectivity services
onglet du backoffice de CentralPay qui permet d'importer des données de paiement (factures, créances)

All our payment services integrated into your solutions

Automate data exchanges by connecting CentralPay to your internal/partner tools via API (ERP, information systems, electronic invoice platforms, etc.) and be notified in real time.
View documentation
page du tableau de bord d'un ERP connecté à CentralPay

Questions boxes

Our direct debit payment solution

Easy Wallet is available to all companies registered in Europe that collect and transfer payments on behalf of third parties: B2B, B2C or C2C marketplaces, crowdfunding, crowdlending or crowdequity platforms, as well as retail networks.

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Under the Directive on Payment Services 2 (PSD2), which regulates platforms operating on behalf of third parties, three options are possible:

  • Be a registered Payment Institution with the ACPR: This accreditation allows you to manage your collections and transfers in total autonomy. However, it requires sufficient financial, human and technical resources to be and remain in line with the regulator’s requirements.
  • Applying for an authorization exemption: There are exceptional grounds for obtaining an exemption from the ACPR, for example in the case of “limited range of products and services” or “limited network of acceptors”.
  • Use a Payment Service Provider (PSP): Platforms can manage their transactions using the payment services of an Authorized Institution such as CentralPay. These Payment Service Provider Agents are supported by their Payment Institution on various subjects: compliance with the regulations governing Payment Services (regulation, reporting, AML/CTF, etc.), removal of technical barriers and validation of financial plans to collect and transfer their transactions.

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A bank collects, but does not process transfers for you.

With CentralPay :
• All your incoming transfers are centralised on a single platform, guaranteeing a 360° view
• Processing is 100 % automated: payment allocation, lettering, reconciliation, right through to reimbursements
• Your business tools utils métiers (ERP, CRM, accounting) are synchronised, via API or file exchange

Our payment by transfer solution integrates with your entire financial IS, without changing your existing setup.

Compatibility with:
• ERP (Cegid, Sage, Microsoft Dynamics, etc.), invoicing tools and other accounting software
• E-commerce / marketplace plateforms : CMS (Shopify, Prestashop, Magento, etc.)
• Business software : financing solutions, PDP, etc.

Two integration modes to suit your organisation:
• SansNo development : exchange of flat files that can be automated
• With technical integration : via API

The time taken varies according to the type of transfer:
• Instant transfer : execution <10 seconds, 24/7, including weekends and public holidays
• Standard SEPA transfer : execution in 1 to 3 working days

Our online transfer rates are adapted to your volume of business, while remaining simple and affordable.

• Clear, highly competitive pricing
• No hidden charges
• Upgradeable price list

See our prices >