The No 1

payment solution

you are looking for.

card-image

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.

card-image
card-image

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.

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.

Direct cash flow

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

card-image
card-image

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.

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

card-image
card-image
card-image
card-image
card-image
card-image
card-image
card-image
card-image
card-image
card-image
card-image
card-image
card-image
card-image
card-image
card-image
card-image
card-image
card-image
card-image
card-image
card-image
card-image
card-image
card-image
card-image
card-image
card-image
card-image
card-image

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

card-image
card-image
card-image
card-image
card-image
card-image
card-image
card-image
card-image
card-image
card-image
card-image
card-image
card-image
card-image
card-image
card-image
card-image
card-image
card-image
card-image
card-image
card-image
card-image
card-image
card-image
card-image
card-image
card-image
card-image
card-image
card-image

Implemented

card-image

Coming soon

#SEPAexpress

!

SEPAexpress

b4payment GmbH
Osterhofener Straße 16
D-93055 Regensburg
Germany