FAQ

None, Centralpay is compatible with all banks without prior configuration. You simply have to fill in your IBAN to transfer the funds cashed into your Centralpay account to your traditional bank account (SEPA transfer).

Yes, our approvals allow us to open payment accounts in all European Economic Area countries (EEA).

We offer standardized pricing for e-commerce shops :

• Card transactions: 0.9% + €0.15/ transaction
• Corporate card transactions: 1.4% + €0.15/ transaction
• Card transaction outside Euro area: 2.5% + €0.15/ transaction
• Collect SEPA transfer: 0.5% + €0.15/ transaction
• Collect SEPA direct debit: 0.5% + €0.15/ transaction
• (option) Push&pay programmed payment requests: €300 setup fee

*All displayed rates incorporate interchange fees and card scheme fees charged by your customer’s banks and card networks (CB, Visa, Mastercard)
** Minimum monthly volumes: €50
***All rates are displayed without taxes

For high volume businesses, we can work with you on the offer that will meet your needs and finance our platform minimum operating costs.

Specific operations costs details:

• Cancellation fee: free
• External transfer fee within SEPA area (payout): free
• External transfer fee outside SEPA area (payout): €15 (+0.5% currency conversion if not in Euros)
• Refund fee: €1
• Chargeback/dispute costs: €15
• Minimum Centralpay service charge: €0.15
• Integration help/ technical support: €60 / h
• Rolling reserve: 5% on 90 days

*All rates are displayed without taxes.

You can find the detailed CentralPay rates here.

The rolling reserve represents the minimum funds required on your Centralpay payment account.

The funds in your account are entirely part of your cash flow. However, you cannot withdraw them from your account during its use period because they can cover any costs related to certain transactions or to settle commercial disputes (disputes/chargebacks) related to your clients. It also allows you to automatically pay your Centralpay subscription fee.

Note : This reserve can be reduced if your business doesn’t receive lots of disputes/chargebacks after several months of activity.

There is no commitment period, if you wish to terminate your contract you must simply inform our sales teams.

After providing your KYC documents, our compliance teams inform you within 24 working hours (documents validation or refusal).

If your documents are valid, your distance selling contract will be activated within 48 hours after creating your account. During this time, we invite you to carry out your tests and web integrations (Smartform, Customform or E-commerce plugin).

Contact our sales team by email or from our website contact form. You will be asked to specify: last name, first name, email, phone, website (if you already have one), registration country of your company, current monthly turnover, and project description.
These information allows us to analyze your company role and status and quickly communicate to you the best offer for your business. You will then receive an email link redirecting you to our enrolment portal.

In the onboarding portal you will begin by validating the previously submitted information about you and your company, you will define your personal password and then you will be able to submit KYC documents corresponding to your account type and status (individual, auto-entrepreneur or legal entity – unverified, low, medium or high risk).

Centralpay compliance teams will come back to you within 24 working hours with information regarding your documents (“validated” or “to be returned”). Once your documents are validated, your account is accessible from testing and production environments.

Finally, your personal distance selling contract will be active within 48 working hours.

Special case: in case of sequential onboarding, you will be able to access your account before providing your KYC documents. This account will, however, be limited in issuance and receipt until the documents have been transmitted and validated.

Information and supporting documents must be sent from Centralpay onboarding portal. Depending on structure type and involved volumes, you will be asked to provide one or more official documents (an identity document, IBAN copy, a K-bis extract – or equivalent, etc.). These parts must be sent as an attachment and in good quality (colored scan or photo).

Special case : in case of sequential onboarding or company status change, you can send these documents from your protected personal space located to the right of your backoffice header (Account > Profile > Parameters > Payment account creation).

Sequential onboarding allows you to quickly open a payment account, without providing all necessary documents for your business type and status. This account will, however, be limited in issuance and receipt. To remove these limits, simply provide the requested KYC documents from your personal protected space located to the right of your backoffice header (Account > Profile > Parameters > Payment account creation).

You can view and modify your personal information and KYC documents from your protected personal space located to the right of your backoffice header (Account > Profile > Parameters > Payment account creation).

If you would like to test or view some of our platform services before opening an account with us, you can request a “test onboarding request” from our sales teams. This will give you access to our API and test backoffice.
To simply test our payment forms, we offer a dedicated page : https://example.centralpay.net/v2/

You can create user profiles and assign them specific rights from your backoffice (Security > Users > User profile > Create). You are not limited in number of profiles created and you have more than a hundred access points to precisely define everyone rights. For simpler cases, we also provide generic rights profiles (Administrator, Reading only).

Only the legal profile (account holder) can access account parameters and manage these profiles. Natural profiles may have reading, creating, editing or deleting rights.

By default, your contract allows you to accept CB, Visa, Mastercard payment, SEPA transfer and SCT direct debit.

Specific cards (American Express, JCB, Diners, Unionpay and Discover) can also be accepted if you have an affiliation agreement with these companies.

E-wallet (Paypal, Wechatpay and Alipay) and mobile (Applepay and Googlepay) payments will be available in early 2020.

We are also planning to integrate Holiday vouchers payment (ANCV) very soon.

You can accept payments from more than 150 international currencies. To do this, simply configure your payment form (Smartform or Customform) in the desired currency, Centralpay will return the amount converted to your currency according to the exchange rate in effect during the day of the transaction.

You can collect your transactions in one of the 4 currencies offered by Centralpay: Euro, British pound, Swiss franc and Dollar. Note that 15 new currencies will follow in 2020.

You have access to several payment types: simple payments, 1-click payments, multi-participant payments, combined payments (with multiple cards or payment methods), installment payments (in multiple times) and subscription payments.

From the Smartform, you only need to activate the desired payment type.

From the Customform, you will need to use the API corresponding parameters.

Smartform is an intelligent payment form developed and hosted by Centralpay. It natively integrates all Centralpay payment types and allows you to easily access these functions. You can configure it from the backoffice or from the API and integrate it in just a few lines of code.
At payment time, your customers will be returned to a Centralpay payment page or a simple pop-in that will contain the Smartform.

Custom Form allows you to create custom payment forms in total immersion in your site or information system. To use it you must call the dedicated API functions and build the form yourself as you wish. As the form is hosted by your services, you will need to meet slightly higher PCI-DSS standards than a Smartform.

Documentation : https://doc-api.centralpay.net/#244-les-deux-differentes-integrations

You can send instant payment requests to your customers with our “Push&pay” service. Accessible from API or backoffice (“Payments” tab), it allows you to send a standardized email or SMS integrating a link to a “Smartform”. Your customer will be able to pay online and you will see his payment progress from your backoffice.

Note : if you have subscribed to “Push&pay scenarios” option, you will be able to fully personalize your payment request emails and program automatic reminders. This option is mainly used to automate the customer relationship related to invoice payments or funds recoveries in general.

You have the possibility to create a customer profile (called “customer”) for each payment made on your form. This profile is identified by the client’s email address or phone number and can integrate several cards or payment methods. These profiles allow you to quickly view all transactions made by a given customer but especially to set up recurring payments or payments with 1 click (without re-entering credit card details).

In order to guarantee the security of all its payment transactions, Centralpay solution is PCI DSS Level 1 certified, the highest level of bank data security. Centralpay also uses a bank card data tokenization service, which means that you never process your customer’s card data directly. During a transaction, the client’s web browser communicates live with our servers via the Centralpay payment form that you have integrated. An impregnable “token” is created from the card’s data, and only Centralpay can decrypt it from its PCI-DSS secure infrastructure.

The displayed “descriptor” will be the one you chose when creating your account.
Our sales teams can modify it for you upon request.

After a transaction, you immediately receive your funds into your Centralpay account. They are then available at D+1. During this time, you can cancel the transaction for free.

You can make your external transfers (payout) manually, or program them automatically every day, week, or month. This configuration is accessible from your protected personal space located to the right of your backoffice header (MyAccount > Myaccount > “Payout Terms” tab).

3D Secure is an anti-fraud protocol implemented by Visa and Mastercard. It protects you from transactions repudiation (chargebacks/disputes), allowing cardholder authentication by his bank during his online purchase.

It requires however an additional action coming from the customer (cardholder) and can therefore lead him to payment failure or even to leave the payment process.

It is therefore very important for a merchant to manage 3DS request thresholds as best as possible.

For SmartForm users, 3DS management is integrated and fully managed by Centralpay without any action on your part.

For CustomForm users, Centralpay provides a tool to define transaction acceptance rules, accessible from the backoffice (Security > Acceptances). It makes it possible to authorize, restrict (request for 3DS), or prohibit transactions according to several criteria (transaction amount, card issuing country, card type, risk score estimated by Centralpay, etc.). With this tool you can define your custom rules, for example requesting 3DS for transactions with amounts higher than €100, if the card that requests the transaction was not issued in France, or if the estimated risk score is too high.

Acceptance rules engine documentation : https://doc-api.centralpay.net/en/fraud-and-rules-acceptance

Centralpay fraud detection service is based on a behavioural classification linked to your activity sector. It analyses more than twenty elements related to the transaction, crosses the results (IP geolocation, browser and equipment used, billing address, etc.) and returns a risk score (fraud probability percentage).

In the rule engine you can request 3DS authentication for transactions with a score higher than 10, and an automatic refusal of those above 60.

Blacklists and whitelists allow you to block or systematically authorize transactions from: certain emails, certain countries (security, trust, geopolitical reasons, etc.), or certain cards (prepaid cards refusal, etc.).

The whitelist is mainly used to simplify payment for a trusted customer who is impacted by a rule listed in your acceptance rules engine.

Example :
Rule => request 3DS for all transactions above €100
Whitelist => Mr Dupont credit card
Result => No 3DS request when transactions include Mr Dupont’s credit card

Note : Centralpay defines upstream a common blacklist for all its users who automatically refuse already known fraudsters and those specified in the international lists against fraud and money laundering.

To integrate a “Smartform”, we invite you to consult our example page : https://example.centralpay.net/v2/

You will find different SmartForm versions depending on the payment type you want and the code to integrate on your site.

To integrate a “CustomForm”, we invite you to consult our example page : https://example.centralpay.net/v2/

You will find different CustomForm versions depending on the payment type you want and the code to integrate on your site.

To associate your Centralpay account, start by downloading the kit corresponding to your E-commerce plug-in : https://doc-api.centralpay.net/en/ecommerce-plugins

You will then have to integrate the necessary elements and fill in your “Public Key”. You will find this key in the protected space on the right of your backoffice header: MyAccount > Technical > Account public key

A tutorial is available to guide you through backoffice main uses : SEE HERE.

From your secure personal space located to the right of your backoffice header (“Profile Name”). You will access your profile settings by clicking on the “Parameters of profile” button and your account settings by clicking on the section where your account name is displayed.

From your secure personal space located to the right of your backoffice header (“Profile Name” > Parameters of profile > Password).

From your secure personal space located to the right of your backoffice header (“Profile Name” > Parameters of profile > Email/Phone/Address).

From your secure personal space located to the right of your backoffice header (“Profile Name” > “Account Name” > Holder tab > Email contact/administrative/technical/financial/support).

From your secure personal space located to the right of your backoffice header (“Profile Name” > “Account Name” > Users tab > Add user).

From your secure personal space located to the right of your backoffice header (“Profile Name” > “Account Name” > My roles tab).

From your secure personal space located to the right of your backoffice header (“Profile Name” > “Account Name” > Bank accounts tab).

From your secure personal space located to the right of your backoffice header (“Profile Name” > “Account Name” > Payout terms tab).

From functions menu: Card Transactions > Search, click on the details of a transaction in “Captured” debit status. In the “Transaction” block, click on “actions” and then “Cancel transaction”.

From functions menu: Card Transactions > Search, click on the details of a transaction in “Cleared” debit status. In the “Transaction” block, click on “actions” and then “Refund transaction”.

From functions menu: Card Transactions > Disputes.

From functions menu: Payment request > New instant payment request

From functions menu: Payment request > New programmed payment request
Note that you must subscribe to the “Push&pay scenarios option” to benefit from this feature.

From functions menu: Search > Operations, select a date range from the search engine, click “send”. The results are displayed in the backoffice viewport.
Then click “Export” and select the export format (JSON, CSV, EXCEL).

The files are then accessed from: Search > Exports.

From functions menu: Configuration > Subscriptions. Define your subscription model according to occurrences number and interval units (for example, once a month).

From functions menu: Configuration > Charge > Profils, click on « Actual configuration » action.

From functions menu: Configuration > Hooks, click on « Create ».

From functions menu: Configuration > Push&Pay.

Configure header, footer, templates, form and scenario setup. For reminders scenarios, schedule your reminders according to the request creation date, payment deadline and payment link expiry.

No, instant requests use a default template.

From the acceptance rules engine accessible from the functions menu: Security > Acceptances

From functions menu: Security > Blacklists/Whitelists. Then enter the necessary information to limit or release access to users.