Manage subscription payments in total security

CentralPay subscription payments automate the payment of recurring, fixed or variable packages, by credit card or SEPA direct debit.

paiement par abonnement : rappel date de démarage et choix entre paiement par carte ou prélèvement SEPA


Subscription payment methods
tailored for you customers

Discover CentralPay subscription payment methods

picto symbolisant le paiement par carte

Credit card subscription payment

Offer instant set-up of a subscription payment solution for both B2C and B2B sales channels.
To limit financial risk, the service integrates 3DS 2.0 authentication at the time of subscription with the customer, then replays it at subsequent due dates.
picto symbolisant le paiement par prélèvement SDD

SEPA subscription payment

Take advantage of a low-cost subscription payment solution, with a subscription path that’s better adapted to the needs of your B2B customers
To limit the risk of fraud, the service includes an electronic signature of the mandate, accessible only to the recipient of the request.


Automated management of subscription payments

picto symbolisant le départ différé

Delayed start

Contract with your customers today, start collecting tomorrow.

Have your payments start automatically after a free trial period or at the beginning of the month to optimize your conversion rate.

picto symbolisant les tentatives programmées

Programmed attempts

Set the frequency of retries that CentralPay will automatically operate for you in case a direct debit failed.

The debt collection is automated, and the platform informs you in real time if necessary.

picto symbolisant les notifications automatiques

Automatic notifications

Program automatic notifications to be sent by email or SMS when needed.

By alerting your customers when their credit card is about to expire or when a direct debit deadline is approaching, you maximize your chances of collection.

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 your subscription payment journeys easily integrated

Manage your subscription payments freely from the CentralPay API, or use the Smart Collection solution to propose a subscription plan to your customers, without any technical effort.

Frequently asked questions

Learn all about CentralPay subscription payment

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.
  1. The merchant collects the information required to issue the mandate (surname, first name, IBAN, BIC, etc.) and sends it to the customer.
  2. The payer checks the information and signs the mandate.
  3. 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.
  1. Payers enter their card code, expiry date and CVV on the dedicated form.
  2. It operates the 3DSecure process to authenticate the transaction.
  3. 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.