SEPAexpress
SEPAexpress provides a white-labeled SEPA Direct Debit payment solution for third-party payment service providers, now operating as a product line within Banking Circle from Regensburg, Germany.
- Company typePrivate
- Founded2015
- HeadquartersRegensburg, Germany
- Headcount51–100
- GTM typeB2B
- OfferingSoftware
SEPAexpress firmographics
Firmographics- Name
- SEPAexpress
- Website
- https://www.sepa.express/en/home/
- Company type
- Private
- Founded year
- 2015
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- SEPAexpress provides a white-labeled SEPA Direct Debit payment solution for third-party payment service providers, now operating as a product line within Banking Circle from Regensburg, Germany.
- Ownership category
- akta.pro rank
SEPAexpress industry classification
Industry- Product category
- Payment Processing
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)
- akta.pro primary industry
- Direct Debit / ACH Collections & Recurring Billing (FSAMAGAE)
- akta.pro secondary industries
- Alternative Payment Methods (APMs) & Local Rails (ACH/SEPA/UPI, etc.) (CRAFALAG), Payables & Disbursements (ACH/SEPA, wires, checks, virtual cards) (FSABAIAB)
Keywords
Where SEPAexpress is headquartered
LocationHeadquarters
- HQ city
- Regensburg
- HQ country
- Germany
- HQ region
- Europe
Markets served
SEPAexpress business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure
SEPAexpress product offering
Product offeringCore offering
SEPAexpress offers a white-labeled SEPA Direct Debit solution that enables businesses to collect payments from end customers across the SEPA zone under their own brand. The platform handles third-party payment initiation, mandate management, and settlement, allowing clients to embed direct debit functionality into their own offerings without building the infrastructure themselves.
Differentiator
Problem solved
Functional benefit
Products and services
- SEPA Direct Debit White-Label Solution A white-labeled SEPA Direct Debit platform that enables businesses to collect payments from end customers across the SEPA zone under their own brand. Includes mandate management, payment initiation, and settlement support, targeted at businesses needing third-party payment collection capabilities.
Companies that use SEPAexpress
Customer profileIdeal customer profiles1 record
SEPAexpress technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
SEPAexpress competitors and assessment
Company assessmentBroad incumbents
- Klarna: Klarna offers SEPA DD as part of its pan-European pay-later and direct-debit stack for merchants, competing for the same recurring-payments wallet as SEPAexpress but with a much wider consumer brand.
- Adyen: Adyen is a global payments platform that processes SEPA Direct Debit alongside cards and local APMs at large enterprise scale, making it a key incumbent alternative to SEPAexpress's white-label DD offering.
- Stripe: Stripe offers SEPA Direct Debit as part of its broad global payments suite, providing an incumbent alternative for platforms that might otherwise integrate a specialist like SEPAexpress.
- Mollie: Mollie is a European payment service provider bundling SEPA Direct Debit, cards, and local APMs for SMEs and platforms, making it a multi-rail incumbent that competes for the embedded-payments customer segment.
Direct peers
- Token.io: Token.io operates a pan-European A2A payment network covering SEPA Direct Debit, SCT, and open-banking-initiated payments, competing with SEPAexpress for platform and merchant recurring-payment volume.
- Banking Circle: Banking Circle is the parent company of SEPAexpress and itself a licensed payments bank providing SEPA payments, accounts, and acquiring — the closest comparator because SEPAexpress is now operated as a product line within it.
- GoCardless: GoCardless is the leading specialist in SEPA and international Direct Debit collections, directly competing with SEPAexpress's white-label recurring-billing proposition and serving the same platforms and SaaS merchants across Europe.
- IXOLIT: IXOLIT is a listed early investor and a payments-engineering vendor that builds SEPA, card, and recurring-billing infrastructure; its overlap with SEPAexpress's white-label DD stack makes it a relevant direct comparator.
- Trustly: Trustly is a European A2A payments network owned by Nordic Capital that directly competes in the SEPA/European bank-to-bank and recurring-payment space targeted by SEPAexpress.
Regional players
- Lemonway: Lemonway is a French/European payment institution offering SEPA Direct Debit and account services, primarily serving marketplaces and crowdfunding platforms in France and Southern Europe with comparable regulated infrastructure.
Market position
Customer concentration
SEPAexpress social profiles
Digital presenceSEPAexpress financial estimates
Financial estimateRevenue estimate
Valuation estimate
SEPAexpress leadership team
Management profileNumber of profiles
Profiles1 record
SEPAexpress funding detail
Funding detailFunding overview
Funding rounds1 record
Investors2 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
SEPAexpress M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about SEPAexpress
What does SEPAexpress do?
SEPAexpress offers a white-labeled SEPA Direct Debit solution that enables businesses to collect payments from end customers across the SEPA zone under their own brand. The platform handles third-party payment initiation, mandate management, and settlement, allowing clients to embed direct debit functionality into their own offerings without building the infrastructure themselves.
Is SEPAexpress a public or private company?
SEPAexpress is a private company. It is classified as corporate owned and is currently operating.
When was SEPAexpress founded?
SEPAexpress was founded in 2015. It employs 51 to 100 people.
Where is SEPAexpress based?
SEPAexpress is headquartered in Regensburg, Germany, in the Europe region.
Who are SEPAexpress's main competitors?
Broad incumbents on record are Klarna, Adyen, Stripe and Mollie. Direct peers are Token.io, Banking Circle, GoCardless, IXOLIT and Trustly. Lemonway is listed as a regional player.
Does SEPAexpress have an API?
No public API is recorded for SEPAexpress.
What industry is SEPAexpress in?
SEPAexpress's product category is Payment Processing. Its primary akta.pro industry code is FSAMAGAE, Direct Debit / ACH Collections & Recurring Billing, with a secondary code of CRAFALAG, Alternative Payment Methods (APMs) & Local Rails (ACH/SEPA/UPI, etc.). Its NAICS code is 522320.