Struggle with PSD II?
Credit Cards fees?

Stay calm.
We got this!

Your
alternative to
credit cards!
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We are proud to announce

SEPAexpress Plus

We have the first joint venture with old school direct debit & new school PSD II: It's a simpler, safer and more cost-effective solution - joining in one product! The clue is that the funds are settled in the same way as the merchant is used to handling credit card funds.

Your hustle-free direct debit.

Get rid of all your hustles

We easily process all recurring payments across Europe. Without any surprises. Totally reliable.

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Account Holder Information

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

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Less Personal Data

Option No1 when it comes to data minimisation according to DSGVO and GDPR.

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Compliance Safe

We process transactions in EUR for merchants across Europe.

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Balance Check (AIS / Account Information Service)

We perform a credit check based on available information. This avoids failed payments due to insufficient funds or incorrect/closed accounts.

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Conversion rate

We optimise your conversion rate by reducing around 2/3 of the chargeback rate.

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Instant Feedback

Thanks to our innovative technology, settlement and status update information on transactions are available faster than with all the other solutions on the market. No-one can currently beat our fee structure for SEPA - not even your own bank.

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Plus Benefits

Without any surprises. Totally reliable.

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Only the account holder can complete the purchase.

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Additionally you will receive meaningful webhooks which will give the best practice about dealing with chargebacks.

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No one can currently beat our fee structure for SEPA - not even your own bank.

#SEPAexpress

We keep you posted.

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SEPAexpress

b4payment GmbH
Osterhofener Straße 16
D-93055 Regensburg
Germany