Collect customer payments, more easily

European companies optimize their processes for collecting and processing customer payments to improve their day-to-day management and maximise their operating costs.

encaisser des paiements : derniers paiements reçus, ventes globales et encours client

For your teams

One account to centralise and unify all your customer payments

Benefit from an account with a French IBAN connected via API, so you can control all your customer collections.

solution de paiement par virement : illustration du backoffice de la solution CentralPay

Digitized payment methods

Manage and automate your single and recurring transactions using high-performance payment methods.

picto symbolisant le paiement par carte

Credit card

Accept payments by CB, Visa, Mastercard and American Express or via Apple Pay and Google Pay. Take advantage of the various CentralPay payment methods: simple transaction, subscription, installments, secure card imprint, pre-authorization.

picto symbolisant le paiement par virement SCT

Instant SEPA bank transfers

CentralPay generates and presents a different virtual IBAN to each of your customers. This means that when CentralPay receives a bank transfer, it identifies the sender and automatically reconciles the invoice for you, even if the reference number is incorrect.

picto symbolisant le paiement par prélèvement SDD

SEPA Direct Debit

Collect contact details and create mandates in just a few seconds using our online form. Then CentralPay debits your customers according to your subscription models, in installments or individually as your invoices progress.

picto symbolisant l'initiation de paiement

Payment initiation (Pay by Bank)

Send instant transfer requests to your customers, directly into their banking application. You fill in the amount, your IBAN, and your references for them, so they only have to validate the bank transfer.

Diversified and personalised collection processes

On-line or remotely, respond effectively to your customer collection challenges.

sms contenant un lien de paiement permettant de finaliser un achat

Email or sms payment links

Simply collect from your customers using payment links by email, SMS or QR Code for your letters or mobile payments. Edit your templates, then send them via the API or the CentralPay BackOffice.

petite vue de la page de paiement carte bancaire CentralPay

Secured payment pages

Benefit from a hosted page optimised for all devices, customise it to your colours and integrate it into your online sales tunnel or send it via a payment link to improve your conversion rate.

capture d'écran du profil client unifié : vue sur un client, ses supports de paiement, ce qu'il a payé et ses dûs

Unified customer profiles

Unify and secure all your customer data to make it easier to manage: payment history (all sales channels and payment methods combined), payment instruments, scheduled or pending payments.

In addition

Automated customer relations and internal actions

You decide on and create a range of communication scenarios, enabling you to :

Notify your customers when an event concerning them takes place

Set up intelligent payment reminders

Schedule new attempts if payment fails

Inform your teams in real time about the activity on your CentralPay account and synchronise this information with your internal tools

logo Smart Collection, la solution d'encaissement des paiements CentralPay (blanc)

Why choose the CentralPay collection solution?

You improve the bank transfer payment experience for your customers

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You automate your transfer collection and processing processes

You reduce your administrative, operational and human resources costs

Use cases

For businesses that collect customer payments

Find out how CentralPay supports professionals on a daily basis.

encaissement facture : femme du service facturation qui étudie les éléments des factures en cours

Companies

Improve transfer collection and processing by automating customer communication (reminders, notifications, etc.), bank reconciliation and internal alerts (ERP, email, etc.).

recouvrement de créances : service de comptabilité qui relance leurs clients pour impayés

Debt collection professionnals

With customizable bank transfer payment paths and numerous automation services, you can improve your outstanding payment management and optimize your competitiveness.

paiement en ligne : femme qui effectue un paiement en ligne depuis un ordinateur

E-merchants

By offering a smooth, secure payment experience, you’ll simplify the payment process and boost conversion rates on your B2B or B2C site.

Integration

An easy-to-integrate
collection solution

Automate data exchanges by connecting CentralPay to your various tools or partners via API (ERP, information system, paperless invoice platform, etc.).

CentralPay manages exchanges by depositing files (CSV, bank formats, etc.) or sends Hook notifications in real time via API, depending on your requirements.

Illusration qui montre le code d'une payment request

Frequently asked questions

All about the CentralPay collection solution

All CentralPay payment methods can be integrated into your payment pages, and can be configured according to the payment journey you want to offer.

Whether using a credit card, bank transfer or direct debit, all your payments are stored and unified within a single payment account, to simplify your management.

The CentralPay payment solution offers several advantages:

  • Total automation of your collection journey, between customizable payment pages according to your customer profiles, programmable links, payment reminders and intelligent notifications.
  • Collection optimization, with lettered payment links for seamless traceability and accounting reconciliation of your operations.
  • Financial and human gains, staff are dedicated to strategic financial tasks and less to manual account check and reconciliation.

No. A payment account differs from a bank account in several aspects:

  • Regulations: The Banque de France distinguishes between bank accounts, opened by a credit institution, and payment accounts, opened by a payment institution.

  • Purpose and use: A bank account offers banking services such as loans, savings products or asset management services, unlike a payment account, which is designed to simplify the supervision of cash receipts (the funds are then paid back regularly into the holder's bank account).

  • Fees and associated costs: Banks charge fixed fees (account maintenance, overdraft, etc.), while payment institutions generally charge per transaction received.

Find out more about CentralPay pricing >

The balance of the CentralPay payment account cannot be negative.

To make a repayment, you must have sufficient funds in your account. In some cases, it may be mandatory to keep a portion of your funds in reserve in your account, which guarantees the availability of funds in the event of a refund or dispute.

Each CentralPay payment account, backed by an online payment API, is associated with a unique French IBAN, enabling you to receive SEPA credit transfers and direct debits on your account, in addition to traditional card payments.

What's more, CentralPay's membership of the SEPA network means you benefit from repeated updates several times a day. You'll see your customers' transfers and direct debits arrive in just a few hours. You'll see your customers' transfers and direct debits arrive in just a few hours.