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Optimize and regulate your financial platform payments

With CentralPay, financial or crowdfunding platforms can automate contributions collection, beneficiaries identification and participants compensation.

paiement plateforme financière : équipe de collaborateur dans un open spaces qui travaille

Issues

Regulate and optimize your financial platform operations

Project owners benefit from visibility with potential investors thanks to financial or crowdfunding platforms. As this activity is regulated, they must meet a number of regulatory obligations:

Obtain authorization as a ECSP (European Crowdfunding Service Provider) or ISP (Prestataire de Services d’Investissements) from the AMF, in order to identify participants and manage transactions.
Be supervised by a Payment Institution authorized by ACPR, to ensure the funds origins, the beneficiaries’ identification, and the due diligence performed by the platform, such as KYC/KYB.

Impacts

Financial platforms need to meet the regulators’ demands, while minimizing the impact of these constraints on their users, to make investment journeys as simple as possible.

The complexity of the investor identification process and the lack of payment automation are frequent problems that have a direct impact on the platforms’ service quality and profitability.

paiement marketplace : écan de téléphone récapitulant le panier d'achat avant paiement

Solution

A third party payment module adapted to financial platforms

Find out how CentralPay meets your challenges

Collecting investor payments

Unified Account’s payment methods automate the collection and management of credit card, SEPA direct debit and bank transfer payments.
For bank transfer payments, you receive your participants’ funds on virtual IBANs differentiated by project and investor, so that all your customer identification and bank reconciliation tasks are carried out instantly and automatically.

Discover the unified collection account >

Beneficiaries funds escrow & compensation

The Easy Wallet third party collection module provides you with an escrow account and payment accounts for your project beneficiaries.
You benefit from full traceability of investor payments, with no need for them to create a payment account, and you can automate transfers to your project beneficiaries.

Discover the Easy Wallet module >

Investor's identification and compensation

For projects with financial compensation, creating an account for each of your investors enables you to identify and pay them automatically. You also reduce your transaction costs when your investors buy on your platform from their wallet.
Simplified KYC process, automatic ID validation, automatic certificate of incorporation retrieval: investing on your platform has never been so easy.

Discover the payment account service >

In addition

Support from an independent French institution

Regulators are particularly attentive to the activities of financial and crowdfunding platforms. There are a number of different ways of operating, which requires their payment institution partner to be highly agile and well-versed in legal matters. With CentralPay, you benefit from:

Modular and urbanized architecture in microservices, for more agility
A regulatory base and titular authorizations, for more possibilities
A team of payment services experts, for tailor-made support

Discover the CentralPay payment institution >

Frequently asked questions

Learn all about the CentralPay financial platform payment solution

The solution is suitable for all European partners providing crowdfunding services, regardless of their business model:

crowdfunding (with or without compensation),
crowdlending,
crowdequity.

CentralPay accepts partners with AMF authorization, such as ESCP (European Crowdfunding Service Provider) and ISP (Investment service provider), or with a legal note justifying their legal model.

The solution is modular and can be adapted to each platform, with 3 operating options:

Acquisition only: investors' funds are held at CentralPay and released once the project has been validated. You are responsible for identifying investors and making payments to beneficiaries.
Acquisition and identification: In addition to being held, investor bank transfers are automatically identified and reconciled. You are responsible for making payments to beneficiaries.
Acquisition, identification, and payout: Your investors open a CentralPay wallet enabling you to automate their payments identification and their compensations.

Unified Account >

Smart Collection >

Easy Wallet >

Optimize and regulate your financial platform payments

Regulate and optimize your financial platform operations

Impacts

A third party payment module adapted to financial platforms

Collecting investor payments

Beneficiaries funds escrow & compensation

Investor's identification and compensation

Support from an independent French institution

Frequently asked questions

Ready to get started with CentralPay?

Modules & uses

Developers

About us

Unified Account >

Smart Collection >

Easy Wallet >

Optimize and regulate your financial platform payments

Regulate and optimize your financial platform operations

Impacts

A third party payment module adapted to financial platforms

Collecting investor payments

Beneficiaries funds escrow & compensation

Investor's identification and compensation

Support from an independent French institution

Frequently asked questions

Who is our financial platform payment solution designed for?

How does CentralPay fit into my business?

Ready to get started with CentralPay?

Modules & uses

Developers

About us