The expert in account-to-account payments

One single API solution for trusted and seamless payment services

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⟶ Meet us at Money 20/20 – Europe's biggest FinTech Convention.

Payment makes your life easier

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Direct Debit

The most efficient and cost-effective way to collect payments. Direct Debit is a simple and fast way for customers to make payments, for both one time and recurring payments.

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Open Banking

The fast and secure way to initiate payments, with real-time confirmation. Open Banking enables your customers to make payments directly from their bank through Payment Initiation Services.

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Risk Management

One Product that can do it all! SEPAexpress combines all major account-to-account methods in one solution with integrated risk and mandate management.

Safe, secure and easy.

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White Label

SEPAexpress provides trusted and seamless, white-labelled account-to-account (A2A) payments including Direct Debit, Open Banking and soon to come Request to pay for Payments Service Providers (PSPs) and merchants in Europe.

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Higher market penetration in Europe

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Secure and fast status update

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White label Direct Debits for PSPs

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Boosts conversion rates

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Payouts in line with industry standards

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Cost-saving champion

N⁰1
Payment Solution

34

Countries

500,000,000

Bank Accounts

Struggling with PSD2?
Worried about credit card fees?

Enter the world of payments with us. We easily process all recurring payments across Europe. Without any surprises. Totally reliable. Get rid of all your stress with SEPAexpress. Your Direct Debit hero.

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SEPAexpress Benefits

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Merchants

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Centralise all euro-denominated payments performed from a single account.

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Gain more control over cashflow and collect payments of variable amounts on your own schedule.

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Unified reconciliation and chargeback reporting provide a simplified, consolidated overview, complete with an automatic categorisation of chargebacks based on their reason code.

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Shoppers

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Your shoppers can use SEPAexpress to make debit card payments anywhere in the euro area, with payments made promptly and with no bank deductions.

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Automatic white-label e-mail notifications on mandate creation and pre-payment gives shoppers greater visibility of upcoming payments, reducing the likelihood of transaction disputes.

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Forgotten payments eliminated! Customers can simply issue a direct debit mandate for recurring payments. Easily online and quickly.

Available across Europe

Anywhere across Europe you can do SEPA credit transfer!

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 for merchants operating in multiple European markets. SEPAexpress unites old school Direct Debits with new school PSD2. We are based on a flexible technology, that matches perfectly to your needs.

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 1,044,268 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.

Be in good company

#SEPAexpress

We keep you posted.

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SEPAexpress

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b4payment GmbH
Osterhofener Straße 16
D-93055 Regensburg
Germany