Digitalize your SEPA direct debit payment process

With CentralPay direct debit payment, you can send direct debit requests, create mandates in less than a minute and automatically debit bank accounts.

écran de téléphone montrant la signature du mandat SEPA pour un paiement par prélèvement
écran de téléphone montrant la signature du mandat SEPA pour un paiement par prélèvement
paiement par prélèvement : écran de téléphone montrant la sélection du compte à débiter avec l'IBAN


Simplified mandate creation and signature

Collect your customers' personal information and bank details in less than a minute from a secure online form.
Your customer signs the mandate electronically by entering the code received on his phone. The mandate is saved on your CentralPay account and will be available to validate a future direct debit payment in just 1 click.

BackOffice CentralPay : informations sur les échéances de prélèvement et les retry automatiques

Payment automation

Automated management of your SEPA direct debits

For installment or subscription payments, set the retry frequency that CentralPay will automatically operate for you in case of debit failure.
The debt collection is automated, and the platform informs you in real time if necessary.

Smart Collection

A hosted payment page to optimize your online checkout and automate your payment collection process, without any technical effort.
To optimize the customer's payment experience.

Customer journey

All direct debit payment journeys easily integrated

Collect and send your customers' banking and personal details to the CentralPay API, or use the Smart Collection module to integrate a complete direct debit payment journey, without any technical effort.

Frequently asked questions

Learn all about CentralPay direct debit payments

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.