Stop

looking for the
N⁰1 Payment Solution!

We have it.

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SEPAexpress BASIC

Your European Direct Debit!

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Fast Reconciliation

Faster status update and chargeback reporting can help to stop shipping frauds of fraudulent orders. Because initial chargeback update is available after two bank working days. We can provide you with all details of a chargeback.

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Everything included – capped fees

SEPAexpress offers a clear and transparent free structure. Due to our optimised routing and value-added services, we achieve the lowest total costs for Direct Debit processing.

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SEPAexpress Accounts, compliance safe in EUR and GBP

We process transactions in EUR and GBP for merchants across Europe through sponsored SEPAexpress Accounts and settle funds directly to their bank account in the same way as merchants are used to with credit card funds.

SEPAexpress
Dynamic Mandate Management

The advanced Direct Debit!

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Less Personal Data

Option N°1 when it comes to data minimisation according to DSGVO/GDPR.

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Fully Compliant

The risk of the identity fraud is drastically reduced. Only the account holder can complete the purchase. Processed according to e-mandate regulations.

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Highest Security

SEPAexpress performs a credit check based on available information like the name.

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Balance check

SEPAexpress performs a credit check based on available information like the name.

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SEPAexpress PLUS

Your Hustle-Free Direct Debit.

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Identification of the account holder

The risk of identity fraud is drastically reduced. Only the account holder can complete the purchase.

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Balance Check

SEPAexpress performs a credit check based on available information. This avoids failed payments due to insufficient funds or incorrect/closed accounts reducing around two-thirds of the chargeback rate.

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SEPAexpress Accounts, compliance safe in EUR

We process transactions in EUR for merchants across Europe through sponsored SEPAexpress Accounts and settle funds directly to their bank account in the same way as merchant is used with credit card funds.

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Less Personal Data

Option No.1 when it comes to data minimization according to DSGVO and GDPR.

SEPAexpress
Expressueberweisung

Your secure solution to receive instant bank transfers!

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Start Payment

Choose express Ueberweisung and enter the bank name – fully white labelled.

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Prove Identity

Enter your data to login into you online banking with no redirect to a 3rd party page.

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Confirm Payment

Payment is done once the TAN is confirmed on the payment summary page.

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Recurring Option

We share with you the customer's IBAN and Name in order to initiate a direct debit later – or easy & secure via tokenisation.

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SEPAexpress PAYOUT

Suitable payment method for credits & mass payments for affiliate marketing partners.

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Payouts

The payouts are instantly initiated in EUR & GBP and have a lower chargeback risk.

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Mass Payouts

Paying out large numbers of partners like affiliate marketing partners, publishers, suppliers and sub-merchants including a full reconciliation service.

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Swiss Francs

Immediate initiation also possible in Swiss Francs.

V Classic

V XT

Description

Features

SEPA

SEPA Direct Debit (SDD)

SEPA Credit Transfer (SCT)

BACS

Processing

Collecting

Mandates

Click-Mandate

Email- / SMS-Mandate

Prenotification Country Specific

Mandate Creation (pdf, html, email)

Sending of Mandates

Archiving of Mandates

Direct Debit Prenotification

Risk Check

AIS FTS

AIS Token

SHS

Reconciliation

Reconciliation file via API

Reconciliation file via SFTP

Reconciliation file via mail link

Reason codes aggregated

Reason codes details

Account Statement for merchants /Payout

Web Hook events / Configurable at merchant

Merchant triggered retries / Based on reason codes

Recurring Payments (merchant initiated)

Refund / Full amount or partial

PIS

Self hosted Microsoft rented server, requires manual management of data

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Azure cloud service, new features are only implemented in V XT

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Implemented

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Coming soon

#SEPAexpress

We keep you posted.

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SEPAexpress

b4payment GmbH
Osterhofener Straße 16
D-93055 Regensburg
Germany