Payment by subscription,
simply

CentralPay configures your subscriptions, registers bank cards or SEPA mandates and debits your customers on the agreed due dates.

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Automate

recurring income

Increase

your conversion rate

Limit

operating costs

Payment by subscription,
a demanding model

Subscriptions are attractive to businesses because of the recurring revenue and loyalty they generate. But the mechanics are complex, and can undermine the customer experience and cash flow.

Frequent payment failures, due to expired cards, ceilings reached, bank blocks, etc.

Time-consuming manual management: reminders, follow-up on rejections, multiple attempts, etc.

Strict regulatory obligations (management of SEPA mandates, LCB-FT, KYC / KYB, etc.)

Lack of fluidity between tools (ERP, CMS, etc.), a source of delays and errors

Make it easy for your customers
to collect their money

Go further in optimising the payment of your subscriptions, by automating card or SEPA direct debits

Credit card debit

Automatically collect your subscriptions by credit card, on the agreed due dates, without any intervention on the part of the customer. An ideal payment method for tacitly renewable services or monthly packages of less than €150.

Strong authentication of the holder at the time of subscription

Automatic direct debit at each payment date

Customer notifications when updates are required

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Direct debit

Pay your subscriptions at regular intervals by SEPA direct debit. Ideal for services or packages with a long-term commitment, this payment method guarantees stability and visibility for your recurring flows.

Electronic signature of the mandate from a secure area

Automatic triggering according to maturity

Monitoring of payment status (accepted, rejected, disputed, etc.)

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Autonomy and safety
without compromise

Reduce friction and secure every step of your subscription payment journey

A customer administration portal

Simplify the management of subscription payments. Your customers can view and manage their current plans, adjust their payment preferences and be notified if they need to be.

Safety by design

Compliant with European standards and regulations (DSP2, 3DS2), our solution uses secure banking and technical connections to guarantee data protection and limit the risk of fraud.

And for you

Your day-to-day management
fully automated

A subscription-based 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 company subscription models.

Automated tracking

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

Programmed retry

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

Turn subscription payments into
a performance driver

CentralPay makes paying by subscription simple and advantageous for everyone

For you
Get paid more and better, effortlessly

Recurring income

A regular flow that makes it easier to project and secure your sales over the long term.

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.

Question boxes

Our subscription-based payment solution

The subscription payment solution is aimed at merchants with a business model based on the payment of recurring fixed or variable fees:

Fixed recurring subscriptions: Periodic payment of a defined amount, which is fixed until the customer cancels (e.g. monthly or annual subscription).
Variable recurring subscriptions: Periodic payment of a defined sum, where the amount to be paid varies (e.g. pay-as-you-go subscription, freemium model, discount subscription, etc.).

Setting up a SEPA direct debit differs from setting up a credit card direct debit.

A SEPA direct debit mandate must be issued and signed, specifying the authorized direct debit conditions.

The merchant collects the information required to issue the mandate (surname, first name, IBAN, BIC, etc.) and sends it to the customer.
The payer checks the information and signs the mandate.
Funds are automatically debited according to the payment plan.

In the case of a direct debit initiated on a credit card, no contract is signed between the merchant and the cardholder.

Payers enter their card code, expiry date and CVV on the dedicated form.
It operates the 3DSecure process to authenticate the transaction.
The funds are automatically debited from your credit card according to the payment plan.

To determine which is best for your business, several factors need to be taken into account:

Activity: The average amount of your direct debits, the desired sales path and the habits of your target customers.
Location: Depending on the country you're addressing, make sure you choose the direct debit type adapted to those areas.
Potential risks: Particular attention must be paid to the limits and expiry dates of the supports.
Costs: Payment by credit card and SDD involve different costs, depending on the risks and external charges associated with their use.

In general :

If you offer B2C and B2B subscriptions for small amounts, opt for credit card direct debit.
If you offer B2C and B2B subscriptions in larger amounts, payment by SEPA direct debit will be the most suitable.

Several factors can cause direct debit failures (insufficient funds, rejections...), and impact your cash flow. CentralPay lets you set up new payment attempts, made in the event of failure, to automatically collect your outstanding receivables.

Payment by subscription,simply

Payment by subscription, a demanding model

Make it easy for your customersto collect their money

Credit card debit

Direct debit

Autonomy and safetywithout compromise

A customer administration portal

Safety by design

Your day-to-day managementfully automated

Dynamic planning

Automated tracking

Programmed retry

Turn subscription payments intoa performance driver

For youGet paid more and better, effortlessly

For your customersAn unrivalled payment experience

Our subscription-based payment solution

Who is the subscription payment solution for?

How do I set up a direct debit subscription payment?

What payment method choose for my subscriptions?

What happens if the payment fails?