All-in-One SEPA DirectDebit Solution for PSPs

SEPAexpress is a white-label DirectDebit solution for 3rd party payments, tailored to all needs to maximize profits in the European e-commerce market.

By integrating "SEPAexpress" PSPs can offer their merchants DirectDebit as a true alternative to credit cards, combined with advanced software technology, proven compliance and highest data security.

Expand your business

As a PSP, SEPAexpress allows you to offer your customers a first-class online payment method to conquer one of the highest revenue-generating economic areas.


Increase your profit

Higher conversion rates and significantly lower fees - SEPAexpress is perfectly tailored to the needs of online business.


Differentiate yourself

Secure for yourself a competitive edge by offering your merchants the quickest, most comprehensive and cost-efficient SEPA DirectDebit solution on the market.

SEPA – the European way to pay

Preferred payment method

45 % of European customers prefer to pay by SEPA DirectDebit rather than by credit card.

High market penetration

500,000,000 SEPA DirectDebit accounts translates into 500,000,000 potential customers in 34 European countries. 90% of Europeans have a bank account – that is almost twice the credit card distribution in Europe.

Cost-saving champion

With an attractive savings potential of more than 50 percent in fees, SEPA DirectDebit is one of the most cost-effective payment methods throughout Europe.

SEPA – your merchants will love it

Conversion rate booster

Offering SEPA DirectDebit gives online merchants an up to 80% higher conversion rate depending on the country and vertical - that means more revenue for everyone.

Reduced churn

Once the banking details have been entered, online shoppers can enjoy a convenient shopping and payment experience - there is no expiry date to put the relationship on hold. SEPA is perfect for recurring payments and subscription business for any verticals.

Payouts in line with industry standards

Merchants are used to receiving their revenues, for example, by weekly payouts. With SEPAexpress things remain exactly the same.

SEPAexpress – all in one

Make it your USP

Thanks to our innovative technology, settlement and status update information on transactions is 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!

Regulated & secure

Our banking partners are subject to regulation by the responsible banking supervisory authority and thus offer the highest level of security and quality for your third-party payments. Our security standard is comparable to the high PCI standard and is carried out in compliance with strict data protection requirements.

Regulated & secure

Our banking partners are subject to regulation by the responsible banking supervisory authority and thus offer the highest level of security and quality for your third-party payments. Our security standard is comparable to the high PCI standard and is carried out in compliance with strict data protection requirements.

Smooth integration & efficient setup

Enjoy our simply structured API with reliable technical documentation and availability. We support your teams with first-class expert knowledge, white papers and best-practice instructions for your merchants.

SEPAexpress – a must-have in your European payment portfolio

With SEPAexpress you can offer all your verticals the right payment instrument. With us as a partner, even "high-risk merchants" no longer need to be your risk. We minimize your payment default risk and will even assume all the residual risk on request.

The best offer for every need:

The best offer for every need: SEPAexpress
 
  SEPAexpress
plus
  SEPAexpress
secured
           
Core & Cor1 processing YES   YES   YES
SDD & SCT payments YES   YES   YES
Chargeback Matching YES   YES   YES
Pre-Notification     YES   YES
Mandate Management     YES   YES
Risk-Service I: Blacklisting     YES   YES
Risk-Service II: Account Verification     YES   YES
Retry Mechanism / Recovery Process     YES   YES
Debt Management     YES   YES
Liability Shift         YES
best price Advanced German Technology

b4payment GmbH
Dr.-Gessler-Straße 37
93051 Regensburg
Germany