Make the payment experience
card payment experience smooth and secure

Whatever the payment journey or method, CentralPay facilitates the acceptance of bankcards to optimise your conversion rate, operational management and customer experience.

For your customers

Credit card payment
simple and accessible

Accept all credit card transactions:

Card networks
Cartes Bancaires, Visa, Mastercard and American Express

Major currencies
Euro (EUR), Pound (GBP), US Dollar (USD) and Swiss Franc (CHF)

Payment facilities
Apple Pay and Google Pay, 1-click, multicards...

Fully digital recurring card payments

Manage and automate your recurring credit card transactions.

Subscription payment

Set up your payment plans, authenticate cardholders and then let payments allow payments to be made automatically.

Installment payment

Divide an amount into several installments and automate payments according to the defined plan, to reduce the financial pressure on your customers.

Secure card imprint

Check the validity and type of your customers' bankcard before recording their imprint for a deferred debit.

Pre-authorisation / deposit

Make sure of your customers' solvency, and block funds for up to 30 days before debiting them partially or completely.

For your teams

Payment paths to suit all activities

Online, remotely or nearby, respond effectively to your collection challenges.

petite vue de la page de paiement carte bancaire CentralPay

Hosted payment pages

Take advantage of a page that’s optimised for all devices, customise it to your colours and integrate it into your sales tunnel or send it by email / sms link. It couldn’t be easier to improve your conversion rate.

sms contenant un lien de paiement permettant de finaliser un achat

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.

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.

For your teams

Card transactions with a higher conversion rate

solution de paiement par carte bancaire : illustration du backoffice CentralPay

Innovative automation services

Programme notifications and processing actions using scenarios and intelligent rules, to automate the management of your card payments (customer relations, reminder actions, internal communication, etc.). You optimise your human and financial resources, while improving the customer experience.

Advanced security protocols

Benefit from cutting-edge technologies designed to secure your customers' sensitive data and detect suspicious activity on your account. With strong authentication (3DS 2.0) and bankcard tokenisation services, you can protect your card payment transactions while limiting the risk of fraud.

For you

An easy-to-integrate credit card payment solution

Develop your own payment page, integrate it into your online sales path and use the CentralPay API and its credit card payment solution to collect cash from your customers. You’ll be in control of your page and your customer experience.

Illusration qui montre le code d'une payment request

Why choose credit card payment with CentralPay?

You improve your
credit card payment

You boost your conversion rate
and the revenue you generate

You reduce your administrative costs,
operational and human costs

A solution tailored to companies that collect card payments

CentralPay supports and responds to the cash collection needs of professionals.

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

Companies

Improve the management of one-off or recurring credit card payments by automating operational processing, customer communication (reminders, notifications, etc.) and internal alerts (ERP, email, etc.).

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

Debt collection professionnals

With customisable card payment paths and a host of automation services, you can improve the management of your outstanding payments and optimise your competitiveness.

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

E-merchants

By offering a smooth, secure card payment experience, you can improve customer satisfaction and achieve a higher conversion rate on your B2B or B2C site.

solution transferts de paiements : équipe qui travaille au développement d'une marketplace

Marketplaces

Subject to regulatory, security and technical constraints, B2C, B2B and C2C marketplaces benefit from a payment platform developed to meet their needs (KYC / KYB, outpayment processing, payment methods, etc.).

solution transferts de paiements : femme qui travaille au développement d'une plateforme financière

Financial platforms

Participative finance service providers (PSFPs) or investment service providers (ISPs) automate the identification of beneficiaries, the processing, the segregation and the monitoring of incoming and outgoing flows on their platform.

Frequently asked questions

All about CentralPay credit card payment solution

CentralPay enables you to accept remote payments by major credit card schemes (Cartes Bancaires, Visa, Mastercard, American Express...) and major currencies.

Card fees, known as Interchange+, include all commissions deducted from the merchant's credit card payment transactions:

  • Interchange fee, charged by the cardholder's bank.
  • Card Scheme Fees, charged by the bank card networks (CB, Visa, Mastercard, etc.).
  • Service fees, invoiced by CentralPay to operate the platform and associated services. These fees vary according to collection volumes and payment options chosen.

Find out more about CentralPay pricing >

Yes. This payment method is particularly suitable for recurring payments:

  • By subscription, for companies with a recurrent billing model: daily, weekly, monthly, annual…
  • Installment, for merchants willing to allow their customers to pay in installments, while automating the debt collection process.

There are several advantages to credit card payment:

  • Speed: When you pay by credit card, the capture is carried out instantly, guaranteeing that your account will be funded within 24 hours.
  • Accessibility: Widely used worldwide, credit cards are particularly suitable for transactions under €2,000.
  • Bank-assured solvency: If the cardholder does not have enough funds, your account will still be credited with the amount of the transaction.
  • Low dispute rate: The strong authentication protocol minimizes the risk of customer disputes and the associated chargeback costs.


Find out more about the 3DSecure 2.0 protocol >

  • A wide range of payment facilities: The bankcard offers customers a wide range of payment features (Apple and Google Pay, multi-card, 1-click, etc.).
  • Quick and easy integration: Whether hosted or integrated, a credit card payment form is relatively easy to integrate into your site.


Find out more about Smart Form payment page >

There are 3 types of operation:

  • Bank authorization: Inquiry with the cardholder's bank to verify the availability of funds. A valid authorization allows the merchant to capture the requested amount for up to 7 days.
  • Capture: Card debit based on authorization or pre-authorization. The funds are insured, but the actual debit takes place during interbank clearing.
  • Debit: Movement of funds from the cardholder's bank to the merchant's account. Usually executed after a validated authorization, but can be deferred for specific payments or variable amounts.

The 3DS protocol secures and validates the cardholder's identity, limiting the risk of card disputes. Nevertheless, other incidents may prompt a customer to contest a transaction: failure to provide service, lack of consent, non-compliant service, etc.

When a dispute occurs, CentralPay is notified of the disputed payment and will inform you as well. You then have 20 calendar days to send proof of delivery/consent/quality of service. A judgment is then issued to determine the dispute outcome:

  • Win: You are successful, the outstanding amount has been rejected. The funds will be refunded to you.
  • Lost: You are unsuccessful, and the unpaid balance is retained. The funds cannot be refunded.