BASIC

The classic direct debit.

Fast Reconciliation

Faster status updates and chargeback reports ensure shipping fraud is prevented. Complete chargeback details available in as little as two banking days!

Low direct debit costs

SEPAexpress offers a clear and transparent fee structure. Through our optimized routing, capped fees and value-added services, we achieve the low total cost of processing direct debits.

Fully PSD2 compliant

Due to PSD2 regulations no additional strong customer authentification required. The result: better conversion rates, frictionless customer experiences and higher revenues for merchants.

DYNAMIC

The advanced direct debit.

Conversion and security well-balanced

We always select and issue the right mandate tailored specifically to your customer. Secured revenues and cost efficiency guaranteed!

Intelligent risk management

Forget about failed payments or chargebacks! Our carefree, internally developed risk model will handle it and keep you safe.

Cost-efficient

Save unnecessary costs! By automatically always steering the right type of mandate to your respective customer.

PLUS

Your seamless direct debit.

Improved safety

Our account information service via Open Banking drastically reduces identity fraud. Only verified account holders can initiate transactions. Our performance promise: 80% no more chargebacks!

One integration, several Open Banking Providers

A single integration and multiple open banking providers. This is the road to optimized transaction routing, highest acceptance rates and widest coverage across Europe.

High trustworthiness

No third-party interface to ensure the highest possible confidence for the consumer, when going through the AIS check. All without website redirects.

EXPRESS

Your instant bank transfer solution.

Direct cash flow

From the customer’s bank account directly to the merchant’s bank account. No intermediary, no deposit or delayed payout anymore!

Chargebacks? Forget about it!

Transfers are only executed if the customer has successfully authenticated through Open Banking (2FA). Once the SEPA Credit Transfer has been confirmed, the payment is secured.

One integration, several Open Banking Providers

A single integration and multiple open banking providers. This is the road to optimized transaction routing, highest acceptance rates and widest coverage across Europe.

PAYOUT

For credits and bulk payments.

Immediate and prompt

All payouts are always instantly initiated in EUR & GBP. No waiting time, no loss - ready to use immediately!

In mass and simultaneously

Our single API solution enables simultaneous payouts to a large number of partners such as affiliate marketers, publishers, suppliers and sub-merchants, including a full reconciliation service.

Coming soon: Simplified communication

Initiate payouts by using EBICS. For fast and flexible payment processing at the highest level of security.

SEPA direct debit (SDD) product overview

FEATURES BASIC PLUS DYNAMIC
sepa express integration Easy integration of direct debit (DD) for EU (SEPA) and UK (BACS) via API
White-label
sepa direct debit reconciliation service Payment Reconciliation
recurring transactions SEPA direct debit Recurring transactions
AIS-check for account holder identification incl. balance verification via open banking
Click mandate as an additional security level for optimal management of risk and conversion
TAN security TAN mandate as an additional security level for optimal management of risk and conversion
Payment Reconciliation: Is a modem way of accounting that compares internally recorded financial data with bank statements to ensure that they are all correct. Our Account Information Service verifies the existence of the account and the eligibility for direct debit, so that failed payments can be avoided and chargebacks can be reduced by up to two thirds!

SEPA credit transfer (SCT) product overview

FEATURES BASIC PLUS
sepa express integration Easy integration of credit transfer EU(SEPA) and UK via API
White-label
sepa direct debit reconciliation service Payment reconciliation (coming soon)
PIS*** via Open Banking (charge back is not possible with this procedure)
SEPA credit card transfer SEPA credit transfer for payouts to consumers and partners
From end customer to PSP/merchant
From PSP/merchant to end customer
The Payment Initiation Service is part of open banking, where a third-party service provider is given permission to connect to the bank account and initiate payments on its behalf after successful authentication.
Moritz Starke Sales Manager SEPAexpress
Mikel Mendieta Sales Manager SEPAexpress

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SEPAexpress

b4payment GmbH
Osterhofener Straße 16
D-93055 Regensburg
Germany