B2B Payment provider | SEPAexpress

Product Portfolio

SEPAexpress BASIC

SEPAexpress BASIC offers the classic Direct Debit as a cost-effective alternative to card-based or eWallet payment solution.

SEPAexpress PLUS

SEPAexpress PLUS combines Direct Debit with an Account Information Service (AIS) during checkout to verify account holder and ability to pay, minimizing fraud and chargeback risk.

SEPAexpress DYNAMIC

SEPAexpress DYNAMIC combines Direct Debit with varying levels of safety through dynamic mandate management, an Account Information Service (AIS) and in-house risk scoring to reach an optimised balance between end-consumer conversion and merchants safety.

SEPAexpress REQUEST TO PAY

SEPAexpress REQUEST TO PAY combines SEPA (Inst) credit transfers with open banking technology Payment Initiation Service where end-consumer executes the transaction immediately. Merchants receive immediate notification about payment and their chargeback risk drops to zero.

SEPAexpress PAYOUT

SEPAexpress PAYOUT enables merchants the possibility for simultaneous (mass) payouts for their consumers. The payout can be triggered by consumers themselves saving the merchant effort, time and thus money.

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SEPAexpress Benefits

Increased Security

Varying levels of security through Open Banking technologies (AIS/PIS) and in-house chargeback fighting scheme for ideal balance between merchant’s security and end consumer conversion.

Vast chargeback reduction due to:

fake data, not existent bank account
insuficcient funds
active chargebacks

Increased Security

Varying levels of security through Open Banking technologies (AIS/PIS) and in-house chargeback fighting scheme for ideal balance between merchant’s security and end consumer conversion.

Vast chargeback reduction due to:

fake data, not existent bank account
insuficcient funds
active chargebacks

Complexity reduction

Automated processing of exceptions (cancellations, reversals, refunds) that makes your bookkeeping and liquidity management easier.

Automated mandate management (creation, selection, sending, archiving, storing of mandates and pre-notificating customers) to conserve your in-house resources.

Complexity reduction

Automated processing of exceptions (cancellations, reversals, refunds) that makes your bookkeeping and liquidity management easier.

Automated mandate management (creation, selection, sending, archiving, storing of mandates and pre-notificating customers) to conserve your in-house resources.

Increased Performance overview

Receive Automatic Reconciliation Service (e.g., SEPA reason codes) transparently and without any delay.

Automatic Performance Reports (e.g., successful payment, failed account verification or chargeback) displays daily status feedback.

Increased Performance overview

Receive Automatic Reconciliation Service (e.g., SEPA reason codes) transparently and without any delay.

Automatic Performance Reports (e.g., successful payment, failed account verification or chargeback) displays daily status feedback.

Best Open Banking coverage

Unique Europe-wide coverage and acceptance by bundling different Open Banking providers – all under one single API integration.

Best Open Banking coverage

Unique Europe-wide coverage and acceptance by bundling different Open Banking providers – all under one single API integration.

Improved Cash management

Exact timing of payment request improves your cash management, because you decide about the settlement time for one-time or recurring direct debits.

Improved Cash management

Exact timing of payment request improves your cash management, because you decide about the settlement time for one-time or recurring direct debits.

Easy upgrade

Once connected to SEPAexpress’ API clients can easily upgrade to all unused products and features as well as our future services to come (improved risk assessment, centralized and fastest possible status reports, increased coverage for Open Banking services, …)

Easy checkout

Easiest checkout process for end consumers as only IBAN, name and email address are mandatory.

Cost saving

Reduce processing costs for national and cross-border payments by using the SEPA schemes cutting out middle-man and card scheme costs.

Cost saving

Reduce processing costs for national and cross-border payments by using the SEPA schemes cutting out middle-man and card scheme costs.

Individual customer support

SEPAexpress clients receive an individual customer support and a specially assigned integration manager who helps with (technical) onboarding and is the contact person for any occuring problems.

Individual customer support

SEPAexpress clients receive an individual customer support and a specially assigned integration manager who helps with (technical) onboarding and is the contact person for any occuring problems.

Borderless payments

SEPA direct debit

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.

The expert in account-to-account payments

One single API solution for trusted and seamless payment services

Who we are

Easy payments

Direct debit

Open Banking

Risk Management

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Product Portfolio

SEPAexpress BASIC

SEPAexpress PLUS

SEPAexpress DYNAMIC

SEPAexpress REQUEST TO PAY

SEPAexpress PAYOUT

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White Label

SEPAexpress Benefits

Increased Security

Increased Security

Complexity reduction

Complexity reduction

Increased Performance overview

Increased Performance overview

Best Open Banking coverage

Best Open Banking coverage

Improved Cash management

Improved Cash management

Easy upgrade

Easy upgrade

Easy checkout

Easy checkout

Cost saving

Cost saving

Individual customer support

Individual customer support

Smart shift from Request to Pay to SEPA Direct Debit

Payments throughout Europe

Fastest transaction updates

Boosts conversion rates

Fully PSD2 compliant

Fully white labeled

Cut out card scheme fees

No 1 Payment Solution

Christoph Pichler

We are happy to advise you

Franz Guttenberger

Borderless payments

SEPA direct debit

Blog

SEPA Direct Debit

SEPA direct debit – all you need to know

PAYMENT SERVICE DIRECTIVE 3 (PSD3)

Why businesses need to be ready

PAYMENT-PREVIEW:

3 B2B payment solutions we’re looking at in 2023

Companies who trust us

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SEPAexpress

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