CentralPay
CentralPay is an ACPR-licensed French Electronic Money Institution offering a programmable, four-module payment platform (Payments, Banking, Automate, Connect) to e-commerce merchants, marketplaces, SaaS firms, fintechs, and franchised networks across the SEPA zone, with €2.5B+ in processed volume.
- Company typePrivate
- Founded2002
- HeadquartersParis, France
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What CentralPay does
CentralPay is a Paris/Tours-based Electronic Money Institution, founded in 2002 and operating as a French SAS under holding company INNOVEST, that provides a programmable payment platform to e-commerce merchants, marketplaces, SaaS firms, fintechs, franchised networks, and traditional businesses across the SEPA zone. The company is regulated by the ACPR under CIB 17138 and supervised by the Banque de France, holding PCI DSS Level 1 v4.0, ISO 27001, and HDS certifications, with infrastructure hosted in a Tier III data center operated by sister company Cyrès in Tours, France.
The platform is organized into four integrated modules — Payments (cards, SEPA, instant transfers, Pay by Bank, Apple Pay, subscriptions, installments, payment links, POS), Banking (payment accounts, fund cantonnement, e-money accounts, payouts, FIAT-to-stablecoin conversion via Circle's EURC/USDC), Automate (webhooks, workflows, third-party payments, automated onboarding), and Connect (API/SDK, CMS plugins for Shopify/WooCommerce/PrestaShop/Magento, native ERP connectors, file import/export). The proprietary cloud-native microservices architecture underpins a contractual 99.9% SLA with RPO ≤60 seconds and RTO ≤15 minutes, differentiating CentralPay from pure-tech PSPs via its licensed EMI status under PSD2/DORA/MiCA frameworks.
CentralPay monetizes through transaction-based processing fees with volume-tiered pricing and no commitment, supplemented by banking and stablecoin conversion services. Distribution combines direct enterprise sales, a channel partner network (Alliance Réseaux, Gezy, Global POS, Kwote, Purse), and self-serve API integration via docs.centralpay.com. The company reports over €2.5 billion in processed payments, "hundreds of business" customers, an aggregate 4.6/5 satisfaction rating across major review platforms, and strategic alignment with Visa as a listed Global Service Provider.
CentralPay firmographics
Firmographics- Name
- CentralPay
- Legal name
- CENTRALPAY
- Website
- https://centralpay.com
- Company type
- Private
- Founded year
- 2002
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- CentralPay is an ACPR-licensed French Electronic Money Institution offering a programmable, four-module payment platform (Payments, Banking, Automate, Connect) to e-commerce merchants, marketplaces, SaaS firms, fintechs, and franchised networks across the SEPA zone, with €2.5B+ in processed volume.
- Ownership category
- akta.pro rank
CentralPay industry classification
Industry- Product category
- Payment Processing Software
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232), Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)
- SIC
- Finance Services (6199), Functions Related To Depository Banking, Nec (6099)
- akta.pro primary industry
- Merchant Payment Gateways (API/Hosted Checkout) (FSAMACAA)
- akta.pro secondary industries
- Cards & Issuing Management (Debit/Prepaid/Credit, Program Management) (FSAGAAAE), Crypto Payments & Stablecoin Settlement Platforms (BPAMAFAL), Embedded Card Issuing & Card-as-a-Service (FSAGALAC)
Keywords
Where CentralPay is headquartered
LocationHeadquarters
- HQ city
- Paris
- HQ country
- France
- HQ region
- Europe
Offices2 records
Markets served
CentralPay business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Infrastructure, Marketing or Sales, Operations
Revenue model
- Transaction-based payment processing fees: CentralPay charges merchants per transaction processed through its platform. The company states 'Prices decrease according to volume' and 'No hidden fees' on its contact page. Blog content cites industry benchmarking of approximately 0.2% + €0.15 per transaction for instant bank transfers, as a cost comparison for merchants.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Transaction-based pricing with volume discounts |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels7 records
CentralPay product offering
Product offeringCore offering
CentralPay is an ACPR-authorized Electronic Money Institution that operates a modular, programmable payment platform built on a proprietary cloud-native microservices architecture. It enables businesses to accept card payments, SEPA instant transfers, direct debits, Apple Pay and digital wallets, manage payment accounts, safeguard funds, automate workflows, and convert between FIAT and stablecoins (EURC/USDC). The platform serves e-commerce merchants, marketplaces, SaaS platforms, fintechs, franchised networks, and traditional businesses across the SEPA zone.
Product overview
CentralPay is a modular payment platform offering four interconnected core modules: Payments (card, transfer, SEPA, wallets, subscriptions, installments), Banking (accounts, fund safeguarding, e-money, stablecoin), Automate (workflows, webhooks, onboarding), and Connect (API, SDK, plugins, ERP connectors). The platform operates as a programmable payment infrastructure for e-commerce merchants, marketplaces, SaaS companies, and fintech platforms, with specific use cases for invoice collection, marketplace payments, and subscription billing.
Differentiator
Problem solved
Functional benefit
Products and services
- Payments Core payment acceptance module enabling merchants to accept credit and debit cards, SEPA instant bank transfers, Pay by Bank, SEPA direct debits, Apple Pay and digital wallets, subscriptions and recurring payments, installment payments, payment links, hosted payment pages, and proximity/POS payments. Targeted at e-commerce merchants, marketplaces, SaaS platforms, and traditional businesses.
- Banking Financial account management module offering payment accounts, fund safeguarding (cantonnement), automated payouts, e-money accounts, and FIAT-to-stablecoin conversion (EURC/USDC) via Circle. Targeted at platforms needing multi-party flows, franchised networks, fintechs, and Crypto-Asset Service Providers operating under MiCA.
- Automate Business process automation module providing events and webhooks, programmable workflows, third-party payments, and automated merchant onboarding. Targeted at businesses seeking to reduce manual intervention triggered by account events.
- Connect Integration and connectivity module offering REST API and SDK, CMS e-commerce plugins, native ERP connectors, and file import/export for data exchange with business systems such as Shopify, WooCommerce, PrestaShop, Magento, and ERP platforms. Targeted at developers, integrators, and merchants requiring technical integration of all skill levels.
- Marketplace Payments Specialized solution for marketplace operators enabling merchant onboarding, payment orchestration, commission collection management, and automated pay-outs to sellers. Targeted at two-sided platforms and marketplace businesses requiring multi-party flows and regulatory compliance.
- E-commerce Payments Online sales payment solution supporting card payments with Apple Pay and Google Pay, instant transfers, Pay by Bank, SEPA direct debits, with rapid integration via plugins, SDK, or hosted payment pages. Targeted at online merchants and distance-selling businesses.
- Invoice and Order Payment Accounts receivable solution enabling invoice collection via email and SMS, automatic payment processing for transfers, direct debits, and cards, automatic reminders, and synchronization with ERP, accounting, and business tools. Targeted at traditional B2B companies managing invoices, purchase orders, and receivables.
- Subscription Payments Recurring payment solution for SaaS platforms and subscription-based businesses, supporting one-time, recurring, and installment payment scenarios with payment failure retry logic. Targeted at SaaS companies and recurring service providers.
- Stablecoin Conversion Fiat-to-stablecoin gateway enabling conversion between euros and stablecoins (EURC, USDC) within a MiCA-compliant framework, leveraging Circle's stablecoin infrastructure. Targeted at Crypto-Asset Service Providers (CASPs) and Web3 platforms needing a compliant FIAT layer.
Quantifiable outcome
- Over €2.5 billion in annual payment volume processed across the platform
- +3 more outcomes
Companies that use CentralPay
Customer profileNamed customers3 records
Segments6 records
Ideal customer profiles5 records
CentralPay technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration6 records
Feature7 records
CentralPay partnerships and signals
Strategic signalPartnerships
Eight partnerships are on record, tiered core.
- Alliance RéseauxcoreAlliance Réseaux is listed as a partner integrator/distributor of the CentralPay platform on CentralPay's 'Devenir partenaire' (Become a Partner) page. The partner integrates CentralPay payment services into its own offerings for end customers.
- GezycoreGezy is listed as a partner integrator/distributor of the CentralPay platform on CentralPay's 'Devenir partenaire' page.
- Global POScoreGlobal POS is listed as a partner integrator/distributor of the CentralPay platform on CentralPay's 'Devenir partenaire' page.
- KwotecoreKwote is listed as a partner integrator/distributor of the CentralPay platform on CentralPay's 'Devenir partenaire' page.
- PursecorePurse is listed as a partner integrator/distributor of the CentralPay platform on CentralPay's 'Devenir partenaire' page.
- CirclecoreCentralPay's stablecoin conversion solution relies on Circle's EURC and USDC stablecoins. CentralPay leverages Circle's institutional-grade stablecoin infrastructure to offer a FIAT-to-stablecoin rail compliant with MiCA. This is explicitly stated as a strategic alignment between CentralPay and Circle.
- VisacoreCentralPay participates in the Visa ecosystem as an approved payment service provider listed in the Visa Global Registry of Service Providers. The Visa Acceptance Forum (April 8, 2026) highlighted strategic alignment between Visa's stablecoin vision and CentralPay's FIAT-to-EMT conversion offering. CentralPay's approach to connecting traditional finance and on-chain finance is validated by Visa's own direction.
- CyrèscoreCyrès is CentralPay's sister company providing cloud hosting, data center operations (Tier III ISO 27001 & HDS certified), and fraud detection services. Cyrès operates the physical data center in Tours, France where CentralPay's infrastructure is hosted. This is a wholly-owned sister company relationship, not a market partnership.
Scale indicators6 records
Recent moves2 records
Expansion highlights5 records
CentralPay competitors and assessment
Company assessmentDirect peers
- Checkout.com: Cloud-based payment processor targeting enterprises and large digital businesses with global acquiring and orchestration. Competes directly with CentralPay for enterprise and marketplace merchants in Europe.
- HiPay: French-headquartered payment platform providing payment processing, fraud management, and marketplace solutions across Europe. Directly competitive in CentralPay's home market and core segments.
- Mollie: European-headquartered payment gateway serving SMBs and mid-market merchants with cards, SEPA, wallets, and plugins for major CMS platforms. Comparable in European focus, merchant segments, and multi-method acceptance.
- Lemonway: French EMI specialized in marketplace and platform payments with payment accounts, KYC, and fund safeguarding. Closely matches CentralPay's EMI regulatory profile and marketplace use case focus in France and the EU.
- Treezor: French EMI-as-a-Service provider (owned by Société Générale) offering payment accounts, KYC, and card issuing APIs. Comparable in regulatory profile (ACPR EMI) and API-first B2B2X positioning, though focused on issuing rather than merchant acquiring.
- PayPlug: French payment gateway (owned by ING) serving SMBs and mid-market merchants with cards, SEPA, and installment payments. Competes directly with CentralPay in the French e-commerce and SMB segment.
- Mangopay: European payment platform specialized for marketplaces and platforms with KYC, fund segregation, and automated payouts. Highly comparable to CentralPay's marketplace payment offering and regulated EMI status.
- Stripe: API-first global payment platform serving e-commerce, marketplaces, SaaS, and fintechs with cards, ACH, and increasingly stablecoin rails (Bridge). Closely matches CentralPay's developer-first, multi-payment-method platform approach, but at vastly larger scale and global reach.
Broad incumbents
- Adyen: Global enterprise payment platform offering unified acquiring, processing, and issuing across channels. Operates in the same broad payments category as CentralPay but at much larger scale and with broader geographic and product scope.
Emerging players
- Bridge: Stablecoin infrastructure platform (acquired by Stripe) providing on-ramp/off-ramp and orchestration for USDC and other stablecoins. Emerging competitor in the same stablecoin conversion niche CentralPay targets with its Circle-backed EURC/USDC rail.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks7 records
Key highlights7 records
Customer concentration
CentralPay social profiles
Digital presenceCentralPay compliance and trust
Trust signalCompliance4 records
CentralPay financial estimates
Financial estimateRevenue estimate
Valuation estimate
CentralPay leadership team
Management profileNumber of profiles
Profiles1 record
CentralPay funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
CentralPay 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 CentralPay
What does CentralPay do?
CentralPay is an ACPR-authorized Electronic Money Institution that operates a modular, programmable payment platform built on a proprietary cloud-native microservices architecture. It enables businesses to accept card payments, SEPA instant transfers, direct debits, Apple Pay and digital wallets, manage payment accounts, safeguard funds, automate workflows, and convert between FIAT and stablecoins (EURC/USDC). The platform serves e-commerce merchants, marketplaces, SaaS platforms, fintechs, franchised networks, and traditional businesses across the SEPA zone.
Is CentralPay a public or private company?
CentralPay is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was CentralPay founded?
CentralPay was founded in 2002. It employs 11 to 50 people.
Where is CentralPay based?
CentralPay is headquartered in Paris, France, in the Europe region.
How does CentralPay make money?
One revenue line is on record: transaction-based payment processing fees.
Who are CentralPay's main competitors?
Direct peers on record are Checkout.com, HiPay, Mollie, Lemonway, Treezor, PayPlug, Mangopay and Stripe. Adyen is listed as a broad incumbent. Bridge is listed as an emerging player.
Does CentralPay have an API?
Yes. CentralPay offers a public API and SDK for developers to integrate payment services. The API enables initiating operations including payments, account management, and webhook events. Integration options include API, SDK, plugins, and file import/export. Webhooks are used to share operation statuses with merchant tools. Developer documentation is at docs.centralpay.com.
What industry is CentralPay in?
CentralPay's product category is Payment Processing Software. Its primary akta.pro industry code is FSAMACAA, Merchant Payment Gateways (API/Hosted Checkout), with a secondary code of FSAGAAAE, Cards & Issuing Management (Debit/Prepaid/Credit, Program Management). Its NAICS code is 52232 and its SIC code is 6199.