Offer IBAN accounts and SEPA payments through your own product.
Create IBAN accounts, manage SEPA payment flows and connect account services to your own front end through Paynovate’s regulated infrastructure and APIs.
For businesses that own the customer journey.
Add account and payment capabilities into your own product, platform or ecosystem while Paynovate supports the regulated layer behind it. Your customers stay in your environment. Paynovate supports the account setup, SEPA flows, API connectivity and operating framework underneath.
EMI distributors and program partners
Fintechs and payment platforms
Corporates and vertical platforms
Structured around the account program.
An account program needs clear rules behind the scenes: how accounts are opened, which SEPA flows are enabled, what controls apply and how responsibilities are split. Paynovate helps define that operating model before launch, so the customer experience can stay simple while the program runs with the right structure underneath.
Account setup
Define how IBAN accounts are created, configured and connected to your customer journey.
Payment flows
Choose the SEPA capabilities your program needs, from transfers and instant payments to Direct Debit.
Controls and permissions
Set the operating rules around access, limits, payment permissions and monitoring.
Roles and support
Align what your team manages on the customer-facing side and what Paynovate supports behind the scenes.
What you can build with it.
Use the account program model to create payment experiences that sit inside your own product, platform or customer journey.
Customer account wallets
Give customers an account layer to receive, hold and move funds within your own environment.
Collection and payout flows
Support money movement for marketplaces, platforms, payroll, supplier payments or other operational flows.
Partner or member accounts
Create account capabilities for merchants, contractors, members or business users connected to your ecosystem.
Account-to-card journeys
Connect IBAN accounts to card programs when your proposition needs both account access and spending.