CentralPay
CentralPay is a French electronic money institution regulated by the ACPR. It runs a payment platform for accepting cards, instant bank transfers, Pay by Bank and SEPA Direct Debit, both online and in store. It also provides payment and e-money accounts, safeguarding of third-party funds, payouts and stablecoin conversion, and lets businesses automate workflows. Integration is available through APIs, SDKs, CMS plugins, ERP connectors and file import.
Fees shown are indicative, not a binding quote — always verify with CentralPay before signing. Visit Website is an external link; we may earn a commission.
CentralPay overview
French and European e-commerce businesses, SaaS/subscription companies, invoice-collecting firms and marketplaces that want cards, instant transfers, Pay by Bank and SEPA Direct Debit from a single ACPR-regulated provider.
CentralPay pricing & fees
Pricing structure
Per payment
| Monthly volume | Below €100K | €100K–€300K | €300K–€500K |
|---|---|---|---|
| Carte bancaire (CB, Visa, Mastercard, American Express, Apple Pay, Google Pay) Amex, Apple Pay, Cartes Bancaires, Google Pay +2 · Plus interchange and scheme fees | 0.6% + €0.25 | 0.5% + €0.25 | 0.4% + €0.20 |
| Virement instantané (IBAN virtuel inclus) SEPA Instant | 0.3% + €0.20 | 0.25% + €0.20 | 0.2% + €0.15 |
| Payer avec ma banque (Payment Initiation Service) Open Banking | 0.3% + €0.25 | 0.25% + €0.25 | 0.2% + €0.20 |
| Prélèvement (génération de e-mandat incluse) Direct Debit | 0.4% + €0.20 | 0.35% + €0.20 | 0.3% + €0.15 |
Monthly and one-off fees
- KYB Franceper merchant account per month · Businesses in FR€0.80
- KYB hors Franceper merchant account per month€1.95
- KYCper merchant account per month€0.40
> 500000 €: Sur demande Moyens de paiement alternatifs et locaux: Sur demande
Prices as of 2026-10-30.
As published by the provider
Monthly volume < 100 000 €: Carte bancaire (CB, Visa, Mastercard, American Express, Apple Pay, Google Pay) 0,60 % + 0,25 € /opération (*Hors coût des commissions d’interchange et frais de réseau carte); Virement instantané (IBAN virtuel inclus) 0,30 % + 0,20 € /opération; Payer avec ma banque (Payment Initiation Service) 0,30 % + 0,25 € /opération; Prélèvement (génération de e-mandat incluse) 0,40 % + 0,20 € /opération. 100 000 - 300 000 €: carte 0,50 % + 0,25 €; virement instantané 0,25 % + 0,20 €; PIS 0,25 % + 0,25 €; prélèvement 0,35 % + 0,20 €. 300 000 - 500 000 €: carte 0,40 % + 0,20 €; virement instantané 0,20 % + 0,15 €; PIS 0,20 % + 0,20 €; prélèvement 0,30 % + 0,15 €. > 500 000 €: Sur demande. Moyens de paiement alternatifs et locaux: Sur demande. KYB France 0,80 € /mois /marchand; KYB hors France 1,95 € /mois /marchand; KYC 0,40 € /mois /marchand.
- Your business must be registered in
- Not disclosed
See how CentralPay's fees stack up
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CentralPay settlement & payouts
Payouts
We haven't collected settlement details for CentralPay yet. Confirm payout timing and currencies directly with CentralPay before signing.
CentralPay API & integration
API Profile
CentralPay coverage & payment methods
Supported countries
Payment methods
CentralPay licensing & compliance
Legal & Compliance
CENTRALPAY
France
Licenses
Authorised Electronic Money Institution (FR)
Autorité de contrôle prudentiel et de résolution (France)
License numbers & register records
1 license number · 1 register record on file for CentralPay, with status history and links to verify each one at the regulator — free with a PaymentProviders account.
Using ChatGPT or Claude? Ask it to prepare your application to CentralPay. It can fill in your business profile for you, and you review and sign it here — nothing is sent before that. How assistants do it
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