Transfer payments to your third parties in complete security

Under the Directive on Payment Services 2 (PSD2), which regulates platforms operating on behalf of third parties, three options are possible:

• Be a registered Payment Institution with the ACPR: This accreditation allows you to manage your collections and transfers in total autonomy. However, it requires sufficient financial, human and technical resources to be and remain in line with the regulator’s requirements.
• Applying for an authorization exemption: There are exceptional grounds for obtaining an exemption from the ACPR, for example in the case of “limited range of products and services” or “limited network of acceptors”.
• Use a Payment Service Provider (PSP): Platforms can manage their transactions using the payment services of an Authorized Institution such as CentralPay. These Payment Service Provider Agents are supported by their Payment Institution on various subjects: compliance with the regulations governing Payment Services (regulation, reporting, AML/CTF, etc.), removal of technical barriers and validation of financial plans to collect and transfer their transactions.

Also known as a "wallet", an account is a medium for the collection, storage, and processing of financial transactions. Different from a bank account, it cannot have a negative balance.

Depending on your activity, the Easy Wallet solution gives you the possibility to create different accounts:

• The payment account, used to collect and process payments before transferring them to one or more bank accounts.
• The e-money account, dedicated to individuals, is used to receive and exchange value within a given network of acceptors (C2C marketplace, merchant network, etc.).