The expert in
account-to-account payments

One single API solution for trusted and seamless payment services

Easy payments

Direct debit

The most cost-efficient way to collect payments. Simple and fast through direct debit. For one time and recurring payments.

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Open Banking

Initiate payments with real-time confirmation! Open Banking enables direct and easy payments via Payment Initiation Services.

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Risk Management

Combine the most important account-to-account methods and benefit from integrated risk and mandate management!

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Secure
Easy
Simple


White Label

We remain undercover and you can shine!
All our payment solutions come in white-label-ready design.
Your customers won’t notice using SEPAexpress.

Experience our white label products

No 1
Payment Solution

34

Countries
Bank accounts

Throughout Europe

Transaction overview

Fully white labeled

Boosts conversion rates

Always compliant

Saves unnecessary fees

Enter the world of easy payments!

Free yourself from any payment stress like PSD2 or credit card fees.
Become part of the direct debit hero.
Seamless. Without surprises. Reliable.

Discover SEPAexpress PLUS

SEPAexpress Benefits. Made for everyone.

MERCHANTS

  • More control over cash flow and collect variable payments on your own schedule.
  • Unified reconciliation and chargeback reporting provide a simplified, consolidated overview, complete with an automatic categorisation of chargebacks based on their reason code.
  • Centralization of all euro-denominated payments from a single account.

SHOPPERS

  • Direct debit payments made anywhere in the euro area. Promptly and without bank deductions.
  • Fewer transaction disputes. Automatic mandate creation and prepayments provide better visibility into outstanding payments.
  • Forgotten or lost payments? That’s yesterday’s news! Simply issue a smooth direct debit authorization for recurring payments online.

Borderless payments!

Make SEPA direct debit transfers europe-wide.

With 84% of Europeans having a bank account and processing more than 25 billion direct debit payments, SEPA direct debit has become one of the most valuable alternative payment methods operating in multiple European markets. SEPAexpress unites old school direct debits with PSD2.

 

Portugal

has a population of 10,799,270 people, with 87.4% of adults having a bank account. These are our potential customers.

Spain

has a population of 47,370,542 people, with 97.6% of adults having a bank account. These are our potential customers.

France

has a population of 65,951,611 people, with 96.6% of adults having a bank account. These are our potential customers.

Belgium

has a population of 11,044,268 people, with 98.1% of adults having a bank account. These are our potential customers.

Netherlands

has a population of 16,805,037 people, with 99.3% of adults having a bank account. These are our potential customers.

Great Britain

has a population of 67,220,000 people, with 97% of adults having a bank account. These are our potential customers.

Ireland

has a population of 4,775,982 people, with 94.7% of adults having a bank account. These are our potential customers.

Germany

has a population of 81,147,265 people, with 98.8% of adults having a bank account. These are our potential customers.

Italy

has a population of 61,482,297 people, with 87.3% of adults having a bank account. These are our potential customers.

Greece

has a population of 10,772,967 people, with 87.5% of adults having a bank account. These are our potential customers.

Slovenia

has a population of 1,992,690 people, with 97.2% of adults having a bank account. These are our potential customers.

Austria

has a population of 8,221,646 people, with 96.7% of adults having a bank account. These are our potential customers.

Slovakia

has a population of 5,488,339 people, with 77.2% of adults having a bank account. These are our potential customers.

Lithuania

has a population of 3,515,858 people, with 77.9% of adults having a bank account. These are our potential customers.

Latvia

has a population of 2,178,443 people, with 90.2% of adults having a bank account. These are our potential customers.

Estonia

has a population of 1,266,375 people, with 97.7% of adults having a bank account. These are our potential customers.

Finland

has a population of 5,266,114 people, with 100% of adults having a bank account. These are our potential customers.

Cyprus

has a population of 1,155,403 people, with 90.2% of adults having a bank account. These are our potential customers.

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SEPAexpress

b4payment GmbH
Osterhofener Straße 16
D-93055 Regensburg
Germany