Payment in instalments, effortlessly

CentralPay spreads your receivables over several payments and secures collections with an automated payment plan.

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Automate

recurring income

Increase

your conversion rate

Limit

operating costs

Staggering regulations,
a new habit

Popular for its flexibility, payment in instalments removes the disincentives for customers to buy, by responding to their budgetary constraints.

Guaranteed or not, it is also an effective way of speeding up conversion and smoothing out merchants’ cash flow.

Meets the challenges of all business sectors, both B2C and B2B (e-commerce, services, retail, etc.)

Suitable for long sales cycles or high unit amounts

Compatible with companies' accounting and contractual constraints

Facilitate payment
for your customers

Reduce friction and automate every stage of your split payment process

Direct debit

Once the plan has been validated, each instalment is debited without any intervention from the customer. CentralPay automates execution, monitoring and reminders, so you can be sure of regular collections and a reduction in non-payments.

The process is fully integrated, regardless of the payment method used:

By bank card, with authentication on the first transaction

By SEPA direct debit, with generation of an e-mandate

Customer administration portal

Simplify the management of your customers’ split payments. They can consult and administer their plans, initiate payments, adjust their payment method preferences and be notified if necessary.

Monitoring past and future deadlines

Possibility of suspending or modifying a plan

Adding, updating or deleting a payment method

See the service

And for you

Your day-to-day management
fully automated

A fractional payment solution to boost your performance

Dynamic planning

Plan direct debits at fixed or variable intervals (monthly, quarterly, annually, etc.), with immediate or deferred start. Adaptable to all business payment plans.

Automated tracking

Automate follow-up and communication tasks. When a due date approaches, the customer is informed and then debited according to the schedule.

Programmed retry

Set up retry attempts in case of failure. You decide when and how often CentralPay will automatically retry.

Make split payments
a performance driver

CentralPay makes paying in instalments simple and advantageous for everyone

For you
Get paid more and better, effortlessly

Better conversion rate

Offering payment in several instalments reduces the disincentives to purchase and speeds up the decision-making process.

Reducing failures

Limit the number of incidents thanks to automatic reminders and status monitoring.

Automated management

Planning, triggering, monitoring and reconciliation: every stage is automated.

For your customers
An unrivalled payment experience

Easy subscription

Once the mandate has been signed or the card has been registered, payments are automatically debited.

Optimum experience

Your customers receive alerts and can manage their subscriptions from their portal.

Guaranteed safety

DSP2-compliant, with strong authentication and secure hosting of payment data.

Payment in instalments
guaranteed or not

CentralPay offers a native non-guaranteed fractional payment solution, and relies on approved partners to provide guaranteed offers (B2C and B2B).

Standard fractionated

This model is based on spreading out an existing debt and automating its collection in several instalments, without recourse to credit.

CentralPay offers a quick and easy-to-deploy solution, controlled directly from the platform. Ideal for B2B sales, service provision or invoice payments requiring flexibility and control.

Fractionated guarantees

Payment is handled by the partner credit institution. You are paid immediately, while the customer repays according to a set schedule (subject to commission).

It's the ideal solution for securing cash receipts for large and small shopping baskets, in both B2C and B2B markets.

Question boxes

Our split payment solution

The CentralPay installment payment solution is designed for merchants who want to split the total amount of a sale and automate payment in several installments at regular intervals.

To determine whether a SEPA or credit card direct debit is more suitable, several factors need to be taken into account:

Activity: The average amount of installments drawn, the desired sales path and the habits of your target customers.
Location: Depending on the country you are addressing, make sure you choose a method that is adapted to the systems used in those areas.
Potential risks: Particular attention must be paid to the limits and expiry dates of the supports.
Costs: SDD and credit card direct debit incur different costs, depending on the risks and external charges associated with their use.

In general :

If you offer small amount installments, opt for credit card direct debit.
If you offer higher-value installments, SDD direct debit will be the most suitable.

Installment payment offers several advantages:

Sales conversion: Paying in one go can make some customers hesitate, especially when the amount is high. With installment payment, you remove this obstacle and simplify decision-making.
Reduce the risk of non-payment: In general, a customer will prefer to pay small amounts several times rather than make a single large payment, particularly if they are experiencing financial difficulties.
Customer satisfaction: Reduce financial pressure and make payment more comfortable to boost your customers' overall satisfaction.

These two split payment methods have some notable distinctions:

Guaranteed installment payment / BNPL (Buy Now Pay Later): Equivalent to consumer credit, it is offered by specialized service providers supervised by a credit institution. It enables consumers, mainly B2C, to pay for their purchases in installments or by deferred payment. The credit institution immediately pays the full amount, deducts its commission from the merchant and then collects the amount from the customer.
Non-guaranteed installment payment: Used in B2B and B2C, these are used to divide a payment into several installments, enabling the merchant to automate customer debits on the scheduled dates. Without a credit intermediary, the customer pays no additional commission, but receives the funds as they fall due.

Payment in instalments, effortlessly

Staggering regulations,a new habit

Facilitate paymentfor your customers

Direct debit

Customer administration portal

Your day-to-day managementfully automated

Dynamic planning

Automated tracking

Programmed retry

Make split paymentsa performance driver

For youGet paid more and better, effortlessly

For your customersAn unrivalled payment experience

Payment in instalmentsguaranteed or not