Manage your platform with a third party payment module

European platforms use the Easy Wallet third party payment module to automate value exchanges with their merchants.

encaissement pour le compte de tiers sur une plateforme : paiement et répartition des flux


Simplified third party account opening

procédure KYC KYB : vérification de l'identité avec pièce d'identité et reconnaissance faciale

Benefit from efficient onboarding services and a KYB / KYC process tailored to your business:

Onboarding portal: turnkey KYB and KYC collection journey
Sequential mode: KYC and KYB adapted to account collection volumes
Connection to courts administration service : automatic certificate of incorporation and beneficial owner recovery
Level 1 delegation: control and integration of the KYC collection stage
Anonymous Electronic Money: opening limited wallets without KYC documents


Wallet-driven third party payments

Discover the CentralPay wallets roles:

schéma du fonctionnement des flux entre le wallet de cantonnement et les wallets de paiement

Unified escrow wallet

Collect third party payment from all payment methods: credit card, bank transfer, SEPA direct debit, payment initiation service
Hold third party funds and specify escrow dates
Transfer funds in real time to your participants' wallets

Payment wallet

Your merchants instantly receive the funds you transfer to them
KYC or KYB realized during account opening, before starting collecting payments
Access to a dedicated backoffice to view transactions executed on its behalf
Accessible to all structures types and industries

E-money wallet

Your merchants instantly receive the funds you transfer to them
Without KYC documents up to €150 balance or collection over 30 days
Access to a dedicated backoffice to view transactions executed on its behalf
Adapted to individuals and C2C or B2C2C activities, excluding special and financial activities

Use cases

Third party payment use cases

picto symbolisant une marketplace

Product and service marketplaces

Simplify access and automate your platform’s transfers.

picto symbolisant une plateforme financière

Financial & crowdfunding platforms

Manage secure exchanges between donors, investors, and project beneficiaries.

picto symbolisant le reversement vers les tiers

Prepaid values acceptor networks

Ensure prepaid value clearing within your retail or merchant network.

Frequently asked questions

Learn all about Easy Wallet third party payment module

Easy Wallet is accessible to all online platforms, registered in Europe, that operates third party payments: B2B, B2C or C2C marketplaces, crowdfunding platforms, crowdlending or crowdequity as well as retail networks.

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”.
  • Become a Payment Service Provider Agent: Platforms can integrate and distribute regulated payment services to their users, relying on an authorized payment institution like 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.

Each use case presents the Easy Wallet module in a specific context:

A wallet 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 module gives you the possibility to create different wallets:

  • The escrow wallet is used to hold third party funds and initiate transfers to your merchants' wallets.
  • The payment wallet, dedicated to your platform users, is used to receive the funds of their sales and transfer them to their bank accounts.
  • The e-money wallet, anonymous or not, is used to store digital values