Electronic money accounts to make it easier to receive and exchange funds

Easy Wallet's e-money account enables platform merchants to receive or transfer limited amounts of money, without the need for identification.

vue globale du compte de monnaie électronique avec solde, dernières opérations et total des ventes
schéma du fonctionnement du chargement de compte de monnaie électronique

Use case

An e-money account adapted to C2C

Process transactions for your merchants and credit electronic money accounts opened in their name:

Instant transfers: credit your merchants' e-money accounts free of charge and in real time
Closed-loop use: a merchant can use funds from a sale or credit note to make a purchase on the platform: instantaneous, secure and without extra cost
Adapted to individual merchants (excluding legal entities)
Accessible for regular industries: sale of goods or services (excluding crowdfunding, financial services, etc.).
procédure d'onboarding : écran du backoffice montrant le formulaire pour la création d'un compte


Instant account creation

Create an anonymous e-money account instantly and without any document collection:

Account creation: last name, first name, email, telephone, date and country of birth, IBAN, BIC
Anonymous electronic money: accounts limited to €150 balance or collection over 30 days)
Limit removal (KYC): collection of one identity document
Identity verification: automating the KYC verification stage
vue simplifiée du compte de monnaie électronique avec informations de contact, solde et réserve


Optimized financial risk management

Control your financial risk in the event of customer disputes or fraud:

Funds availability date: your merchants see the transfer operation, but cannot use these funds until this date
Payout frequency: control the payouts' frequency to your merchants' bank accounts

Frequently asked questions

Learn all about the CentralPay e-money account

Electronic money is defined above all as prepayment followed by storage of “traditional” money on another medium. In the true sense of the word, therefore, money is not created, but a dematerialized instrument of traditional money is issued to facilitate transactions in a digital economy.


Electronic money is not, in itself, a new type of currency, creating a third category after fiat and scriptural money. It's a new cashless payment instrument used to carry out a payment transaction.

Electronic money can be used in two main contexts:

  • To enable its customers to load funds via a conventional payment method, and then to use them freely at a later date in its acceptors' network.

Example: purchase a gift card, load a digital wallet that can be used in a marketplace or a network of retailers, etc.


  • Facilitate the payment of small amounts to customers for the sale of a product or service or for the receipt of compensation.

Example: sale of a product or service on a C2C platform, payment of a refund or credit note, etc.

Electronic money is defined as "a monetary value that is stored in electronic form, including magnetic form, representing a claim on the issuer, which is issued against the remittance of funds for the purposes of payment transactions as defined in article L. 133-3". [du CMF] and which is accepted by a natural or legal person other than the electronic money issuer" (Article L. 315-1, I CMF).


Since the "Electronic Money Directive 1" of March 2000, electronic money has been a payment instrument resulting from the practice of dematerialized exchanges.


Initially little used, its use and scope were reinforced by the Electronic Money Directive 2 of September 16, 2009, then transposed into French law in January 2013.


As e-money is governed by the French Monetary and Financial Code, it can only be issued under the supervision of credit or e-money institutions approved by the ACPR ("Autorité de contrôle prudentiel et de résolution de la Banque de France").