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PRETA

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uuid002no5i

Namestring
PRETA
Legal namestring
PRETA S.A.S.
Websiteurl
preta.eu
Company typeenum
Private
Founded yearint
2013
Descriptiontext

PRETA S.A.S. is a Paris-headquartered, pan-European digital payment infrastructure provider and a fully owned subsidiary of EBA CLEARING, itself owned by 48 major European banks. Founded in 2013, the company operates scheme-based payment solutions built on SEPA and SEPA Instant credit transfers, distributed through a network of over 400 participating banks and payment service providers across Europe, processing €13 billion in annual total payment volume through its flagship MyBank product.

The company's core product is MyBank, a scheme-based digital payment solution that enables citizens, businesses, and public administrations to collect or pay online using credit transfers directly from their bank accounts. The portfolio has been expanded with Request to Pay+ (RTP+), a framework launched in 2022 providing operational and business rules for end-to-end request-to-pay transactions, and the upcoming MyBank BNPL B2B, a buy-now-pay-later feature for business-to-business payments built in partnership with Digiteal and TermsTech that enables buyers to defer payments up to 120 days while suppliers receive full payment upfront upon proof of delivery. The company previously owned and divested Open Banking Europe (a PSD2 TPP directory sold to Konsentus in January 2021).

PRETA operates a B2B2X go-to-market model, generating revenue through transaction and licensing fees from banks, PSPs, merchants, and public administrations, with pricing details not publicly disclosed. The company is governed by a Board chaired by Hays Littlejohn and led by CEO Tarik Zerkti, with a lean headcount of 11-50 employees, reflecting a scheme-management and partnership-driven operating model rather than a heavy technology build-out.

Short descriptiontext

PRETA is a Paris-based, EBA CLEARING-owned payment scheme operator running MyBank, a pan-European SEPA/SEPA Instant credit transfer scheme distributed through 400+ banks and PSPs processing €13 billion in annual TPV across citizens, businesses, and public administrations.

Operating statusenum
Operating
Ownership categoryenum
Headcount rangeband
11–50
akta.pro rankint
HeadquartersParis, France
HQ citystring
Paris
HQ countrystring
France
HQ regionstring
Europe
Markets served

Serves global market

Offices1 record

Each record includes

City, Country, Type, Description, Source

Keyword5 values
SEPA credit transfers, digital payment infrastructure, payment scheme services, request to pay framework, B2B payment solutions
Industry3 codes
1Instant Payment Scheme Connectivity & Processing (e.g., FedNow, SEPA Instant, Faster Payments)
CodeFSAMAHADPrimaryYes
2A2A Checkout & Merchant Acceptance Solutions
CodeFSAMAFAFPrimaryNo
3A2A Payouts & Disbursements
CodeFSAMAFAGPrimaryNo
NAICS code3 codes
  • Financial Transactions Processing, Reserve, and Clearinghouse Activities52232
  • Nondepository Credit Intermediation5222
  • Other Nondepository Credit Intermediation52229
SIC code1 code
  • Short-Term Business Credit Institutions6153
Product category
Digital Payment Infrastructure
No data
GTM motion2 records

Each record includes

Type, Description, Source

Revenue model1 record
1Payment infrastructure licensing and transaction fees
TypeTransaction Fee
Description

PRETA generates revenue through its digital payment infrastructure solutions (MyBank, RTP+) by providing scheme-based payment services to banks, PSPs, and businesses across Europe. Revenue is derived from transaction processing and licensing arrangements with the pan-European network of over 400 participating institutions.

preta.eu
Marketing channels3 records

Each record includes

Title, Type, Stage, Description, Source

Distribution channels2 records

Each record includes

Title, Type, Scope, Target buyer, Description, Source

Cost components4 values
Technology or R&D, Personnel, Operations, Infrastructure
GTM typeB2B
B2B
Offering typeSoftware
Software
Brand1 of 3 records shown
1MyBank
Description

A scheme-based digital payment solution enabling citizens, businesses and Public Administrations to collect or pay online using credit transfers (SEPA/SEPA Instant) from their bank. Processes €13 billion in annual TPV through over 400 participating banks and PSPs.

preta.eu
+2 more records
Core offering1 text field

PRETA operates a pan-European scheme-based digital payment infrastructure under the MyBank brand, enabling citizens, businesses, and public administrations to make and collect online payments via SEPA and SEPA Instant credit transfers directly from their bank accounts. The company complements MyBank with Request to Pay+ (RTP+), a framework providing operational and business rules for end-to-end request-to-pay transactions, and MyBank BNPL B2B, a B2B deferred-payment solution allowing buyers to defer payments up to 120 days while suppliers receive full payment upfront upon proof of delivery.

Differentiator
Functional benefit
Problem solved
Quantifiable outcome1 of 3 values shown
  • €13 billion in annual TPV processed through MyBank
+2 more records
Product overview1 text field

PRETA is a pan-European company building secure, collaborative digital payment infrastructure and services. The portfolio consists of MyBank (a scheme-based digital payment solution for SEPA/SEPA Instant credit transfers processing €13 billion annual TPV across 400+ banks), Request to Pay+ (a framework providing operational and business rules for request-to-pay transactions), and MyBank BNPL B2B (an upcoming B2B Buy Now, Pay Later feature enabling 120-day payment deferrals). The company previously owned Open Banking Europe, a PSD2 TPP directory acquired by Konsentus in 2021.

Product and service3 records
1MyBank
CategoryDigital Payment Scheme (SEPA / SEPA Instant credit transfers)
Description

A scheme-based digital payment solution that enables citizens, businesses, and Public Administrations to collect or pay online using credit transfers (SEPA/SEPA Instant) directly from their bank account. It processes €13 billion in annual TPV through more than 400 participating banks and PSPs across Europe.

2Request to Pay+ (RTP+)
CategoryRequest-to-Pay Framework
Description

A framework for the execution of request-to-pay transactions in the end-to-end space, providing operational and business rules including certainty of the underlying payments, designed for use across European payment ecosystems.

3MyBank BNPL B2B
CategoryB2B Deferred Payment Service
Description

A Buy Now, Pay Later feature for business-to-business payments built on the MyBank scheme, enabling buyers to defer payments up to 120 days while suppliers receive full payment upfront upon proof of delivery, targeting B2B counterparties across Europe.

Scale indicator3 records

Each record includes

Type, Value, Description, Source

Partnership3 partners
Strategic tierCoreTypeTechnology or IntegrationAnnounced on2026-06-23
Description

Digiteal is a strategic technology partner for MyBank BNPL B2B, enabling the B2B deferred payment solution that allows business buyers to defer payments up to 120 days while suppliers receive full payment upfront upon proof of delivery.

Strategic tierCoreTypeTechnology or IntegrationAnnounced on2026-06-23
Description

TermsTech is a technology partner for MyBank BNPL B2B, contributing to the B2B payment solution that integrates into MyBank's existing payment flow with full technical integration requiring no additional changes for merchants already accepting MyBank.

Strategic tierFlagshipTypeStrategic or Co-development PartnerAnnounced on2013-01-01
Description

EBA CLEARING is the provider of pan-European payment infrastructure solutions owned by 48 major banks operating in Europe. PRETA S.A.S. was created as a spin-off and is a fully owned subsidiary of EBA CLEARING in 2013, to develop market-competitive services around digital payments and identity verification.

Recent move7 records

Each record includes

Date, Type, Title, Description, Source

Expansion highlight4 records

Each record includes

Type, Description

Peers10 records
TypeOthers
Description

Governing body that defines and maintains SEPA scheme rulebooks, including the SEPA Instant Credit Transfer scheme that MyBank is built upon. Adjacent enabler rather than direct competitor, but shapes PRETA's operating framework.

TypeBroad incumbent
Description

Global card network increasingly extending into A2A and instant payments (e.g., Visa+, Tink). Competes with MyBank for merchant checkout share and is reshaping the competitive set PRETA operates in.

TypeBroad incumbent
Description

Global BNPL leader increasingly expanding into B2B and payment-network models. Comparable through its deferred-payment proposition and is a relevant competitor in the broader BNPL space that includes PRETA's new B2B offering.

TypeRegional player
Description

Dutch A2A payment scheme that pioneered online bank-account payments at national scale. Comparable in scheme-based A2A model, though currently concentrated in the Netherlands rather than pan-European.

TypeDirect peer
Description

PRETA's parent entity and operator of pan-European payment infrastructure including RT1 (SEPA Instant platform). Operates overlapping infrastructure to MyBank and is the closest comparable scheme operator in Europe.

TypeDirect peer
Description

Berlin-based B2B Buy Now, Pay Later provider offering deferred payment terms to business buyers. Closest direct competitor to PRETA's upcoming MyBank BNPL B2B product.

TypeDirect peer
Description

A2A payment network connecting merchants directly to consumer bank accounts across Europe and the US. Competes with MyBank on online A2A checkout and bill payment use cases.

TypeDirect peer
Description

Pan-European payment initiative launched by major European banks to deliver a unified A2A digital payment solution. Directly competes with MyBank as an alternative bank-owned A2A scheme across European markets.

TypeRegional player
Description

German A2A online payment scheme operated by the German banking community. Similar scheme-based A2A infrastructure but with German-market concentration rather than pan-European reach.

TypeEmerging player
Description

Open banking platform acquired by Visa, providing A2A payment initiation across Europe. Overlaps with MyBank's account-based payment flows and represents a competing approach to merchant A2A integration.

Market position
Strengths5 records

Each record includes

Headline, Details, Source

Weaknesses5 records

Each record includes

Headline, Details, Source

Competitive moat4 records

Each record includes

Type, Details

Key risks6 records

Each record includes

Headline, Details, Source

Key highlights6 records

Each record includes

Headline, Details, Source

Customer concentration

Classification, Details

Named customers1 record

Each record includes

Name, Industry, Type, Use case, Source, UUID

Segment4 records

Each record includes

Title, Type, Primary, Description, Pain point addressed, Use case, Source

Ideal customer profile3 records

Each record includes

Profile, Firmographic size, Sales motion, Sales cycle length, Buying structure, Purchase trigger, Buyer persona, Geography, Industry vertical, Primary use case, Description, Pain points, Evidence proof points, Target buyer

Technology focused
Yes
API detail
Has APIbool
No

Docs URL, Description

AI maturity
App detail

Has app

Feature3 records

Each record includes

Title, Differentiator, Description, Source

Core technology
Revenue estimate
Valuation estimate
Number of profiles
Profiles7 records

Each record includes

Name, Designation, Designation category, Overview, Profile commentary, Source

No data
Compliance1 record

Each record includes

Name, Class, Description

Funding overview

Funding stage, Last funding date, Total funding USD

Funding rounds

Each record includes

Round, Amount USD, Date, Pre money valuation, Total investors, Investors, News

Investors

Each record includes

Name, Type, Date of entry, Rounds participated, Website

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Each record includes

Name, Acquisition type, Announced date, Completed date, Status, Website, News

Investment

Each record includes

Name, Round, Announced date, Lead investor, Website, News

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

PRETA

Digital Payment Infrastructurepreta.eu

PRETA is a Paris-based, EBA CLEARING-owned payment scheme operator running MyBank, a pan-European SEPA/SEPA Instant credit transfer scheme distributed through 400+ banks and PSPs processing €13 billion in annual TPV across citizens, businesses, and public administrations.

What PRETA does

PRETA S.A.S. is a Paris-headquartered, pan-European digital payment infrastructure provider and a fully owned subsidiary of EBA CLEARING, itself owned by 48 major European banks. Founded in 2013, the company operates scheme-based payment solutions built on SEPA and SEPA Instant credit transfers, distributed through a network of over 400 participating banks and payment service providers across Europe, processing €13 billion in annual total payment volume through its flagship MyBank product.

The company's core product is MyBank, a scheme-based digital payment solution that enables citizens, businesses, and public administrations to collect or pay online using credit transfers directly from their bank accounts. The portfolio has been expanded with Request to Pay+ (RTP+), a framework launched in 2022 providing operational and business rules for end-to-end request-to-pay transactions, and the upcoming MyBank BNPL B2B, a buy-now-pay-later feature for business-to-business payments built in partnership with Digiteal and TermsTech that enables buyers to defer payments up to 120 days while suppliers receive full payment upfront upon proof of delivery. The company previously owned and divested Open Banking Europe (a PSD2 TPP directory sold to Konsentus in January 2021).

PRETA operates a B2B2X go-to-market model, generating revenue through transaction and licensing fees from banks, PSPs, merchants, and public administrations, with pricing details not publicly disclosed. The company is governed by a Board chaired by Hays Littlejohn and led by CEO Tarik Zerkti, with a lean headcount of 11-50 employees, reflecting a scheme-management and partnership-driven operating model rather than a heavy technology build-out.

PRETA firmographics

Firmographics
Name
PRETA
Legal name
PRETA S.A.S.
Website
https://preta.eu
Company type
Private
Founded year
2013
Operating status
Operating
Headcount range
11–50 employees
Short description
PRETA is a Paris-based, EBA CLEARING-owned payment scheme operator running MyBank, a pan-European SEPA/SEPA Instant credit transfer scheme distributed through 400+ banks and PSPs processing €13 billion in annual TPV across citizens, businesses, and public administrations.
Ownership category
akta.pro rank

PRETA industry classification

Industry
Product category
Digital Payment Infrastructure
NAICS
Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232), Nondepository Credit Intermediation (5222), Other Nondepository Credit Intermediation (52229)
SIC
Short-Term Business Credit Institutions (6153)
akta.pro primary industry
Instant Payment Scheme Connectivity & Processing (e.g., FedNow, SEPA Instant, Faster Payments) (FSAMAHAD)
akta.pro secondary industries
A2A Checkout & Merchant Acceptance Solutions (FSAMAFAF), A2A Payouts & Disbursements (FSAMAFAG)

Keywords

  • SEPA credit transfers
  • Digital payment infrastructure
  • Payment scheme services
  • Request to pay framework
  • B2B payment solutions

Where PRETA is headquartered

Location

Headquarters

HQ city
Paris
HQ country
France
HQ region
Europe

Offices1 record

Markets served

PRETA business model

Business model
GTM type
B2B
Offering type
Software
Cost components
Technology or R&D, Personnel, Operations, Infrastructure

Revenue model

  1. Payment infrastructure licensing and transaction fees: PRETA generates revenue through its digital payment infrastructure solutions (MyBank, RTP+) by providing scheme-based payment services to banks, PSPs, and businesses across Europe. Revenue is derived from transaction processing and licensing arrangements with the pan-European network of over 400 participating institutions.

Go-to-market motion2 records

Distribution channels2 records

Marketing channels3 records

PRETA product offering

Product offering

Core offering

PRETA operates a pan-European scheme-based digital payment infrastructure under the MyBank brand, enabling citizens, businesses, and public administrations to make and collect online payments via SEPA and SEPA Instant credit transfers directly from their bank accounts. The company complements MyBank with Request to Pay+ (RTP+), a framework providing operational and business rules for end-to-end request-to-pay transactions, and MyBank BNPL B2B, a B2B deferred-payment solution allowing buyers to defer payments up to 120 days while suppliers receive full payment upfront upon proof of delivery.

Product overview

PRETA is a pan-European company building secure, collaborative digital payment infrastructure and services. The portfolio consists of MyBank (a scheme-based digital payment solution for SEPA/SEPA Instant credit transfers processing €13 billion annual TPV across 400+ banks), Request to Pay+ (a framework providing operational and business rules for request-to-pay transactions), and MyBank BNPL B2B (an upcoming B2B Buy Now, Pay Later feature enabling 120-day payment deferrals). The company previously owned Open Banking Europe, a PSD2 TPP directory acquired by Konsentus in 2021.

Differentiator

Problem solved

Functional benefit

Brands

  • MyBank: A scheme-based digital payment solution enabling citizens, businesses and Public Administrations to collect or pay online using credit transfers (SEPA/SEPA Instant) from their bank. Processes €13 billion in annual TPV through over 400 participating banks and PSPs.
  • Open Banking Europe
  • Request to Pay+ (RTP+)

Products and services

  • MyBank A scheme-based digital payment solution that enables citizens, businesses, and Public Administrations to collect or pay online using credit transfers (SEPA/SEPA Instant) directly from their bank account. It processes €13 billion in annual TPV through more than 400 participating banks and PSPs across Europe.
  • Request to Pay+ (RTP+) A framework for the execution of request-to-pay transactions in the end-to-end space, providing operational and business rules including certainty of the underlying payments, designed for use across European payment ecosystems.
  • MyBank BNPL B2B A Buy Now, Pay Later feature for business-to-business payments built on the MyBank scheme, enabling buyers to defer payments up to 120 days while suppliers receive full payment upfront upon proof of delivery, targeting B2B counterparties across Europe.

Quantifiable outcome

  • €13 billion in annual TPV processed through MyBank
  • +2 more outcomes

Companies that use PRETA

Customer profile

Named customers1 record

Segments4 records

Ideal customer profiles3 records

PRETA technology and API

Technology

Technology focussed Yes

API detail

Has API
No
API docs
API detail

Core technology

AI maturity

App detail

Feature3 records

PRETA partnerships and signals

Strategic signal

Partnerships

Three partnerships are on record, tiered core and flagship.

  • DigitealcoreTechnology or Integration · 23 June 2026Digiteal is a strategic technology partner for MyBank BNPL B2B, enabling the B2B deferred payment solution that allows business buyers to defer payments up to 120 days while suppliers receive full payment upfront upon proof of delivery.
  • TermsTechcoreTechnology or Integration · 23 June 2026TermsTech is a technology partner for MyBank BNPL B2B, contributing to the B2B payment solution that integrates into MyBank's existing payment flow with full technical integration requiring no additional changes for merchants already accepting MyBank.
  • EBA CLEARINGflagshipStrategic or Co-development Partner · 1 January 2013EBA CLEARING is the provider of pan-European payment infrastructure solutions owned by 48 major banks operating in Europe. PRETA S.A.S. was created as a spin-off and is a fully owned subsidiary of EBA CLEARING in 2013, to develop market-competitive services around digital payments and identity verification.

Scale indicators3 records

Recent moves7 records

Expansion highlights4 records

PRETA competitors and assessment

Company assessment

Others

  • European Payments Council (EPC): Governing body that defines and maintains SEPA scheme rulebooks, including the SEPA Instant Credit Transfer scheme that MyBank is built upon. Adjacent enabler rather than direct competitor, but shapes PRETA's operating framework.

Broad incumbents

  • Visa: Global card network increasingly extending into A2A and instant payments (e.g., Visa+, Tink). Competes with MyBank for merchant checkout share and is reshaping the competitive set PRETA operates in.
  • Klarna: Global BNPL leader increasingly expanding into B2B and payment-network models. Comparable through its deferred-payment proposition and is a relevant competitor in the broader BNPL space that includes PRETA's new B2B offering.

Regional players

  • iDEAL: Dutch A2A payment scheme that pioneered online bank-account payments at national scale. Comparable in scheme-based A2A model, though currently concentrated in the Netherlands rather than pan-European.
  • giropay: German A2A online payment scheme operated by the German banking community. Similar scheme-based A2A infrastructure but with German-market concentration rather than pan-European reach.

Direct peers

  • EBA CLEARING: PRETA's parent entity and operator of pan-European payment infrastructure including RT1 (SEPA Instant platform). Operates overlapping infrastructure to MyBank and is the closest comparable scheme operator in Europe.
  • Billie: Berlin-based B2B Buy Now, Pay Later provider offering deferred payment terms to business buyers. Closest direct competitor to PRETA's upcoming MyBank BNPL B2B product.
  • Trustly: A2A payment network connecting merchants directly to consumer bank accounts across Europe and the US. Competes with MyBank on online A2A checkout and bill payment use cases.
  • European Payments Initiative (Wero): Pan-European payment initiative launched by major European banks to deliver a unified A2A digital payment solution. Directly competes with MyBank as an alternative bank-owned A2A scheme across European markets.

Emerging players

  • Tink (Visa): Open banking platform acquired by Visa, providing A2A payment initiation across Europe. Overlaps with MyBank's account-based payment flows and represents a competing approach to merchant A2A integration.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

PRETA compliance and trust

Trust signal

Compliance1 record

PRETA financial estimates

Financial estimate

Revenue estimate

Valuation estimate

PRETA leadership team

Management profile

Number of profiles

Profiles7 records

PRETA funding detail

Funding detail

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

PRETA M&A and investment

M&A and investment

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about PRETA

What does PRETA do?

PRETA operates a pan-European scheme-based digital payment infrastructure under the MyBank brand, enabling citizens, businesses, and public administrations to make and collect online payments via SEPA and SEPA Instant credit transfers directly from their bank accounts. The company complements MyBank with Request to Pay+ (RTP+), a framework providing operational and business rules for end-to-end request-to-pay transactions, and MyBank BNPL B2B, a B2B deferred-payment solution allowing buyers to defer payments up to 120 days while suppliers receive full payment upfront upon proof of delivery.

Is PRETA a public or private company?

PRETA is a private company. It is classified as corporate owned and is currently operating.

When was PRETA founded?

PRETA was founded in 2013. It employs 11 to 50 people.

Where is PRETA based?

PRETA is headquartered in Paris, France, in the Europe region.

How does PRETA make money?

One revenue line is on record: payment infrastructure licensing and transaction fees.

Who are PRETA's main competitors?

European Payments Council (EPC) is listed as an others. Broad incumbents are Visa and Klarna. Regional players are iDEAL and giropay. Direct peers are EBA CLEARING, Billie, Trustly and European Payments Initiative (Wero). Tink (Visa) is listed as an emerging player.

Does PRETA have an API?

No public API is recorded for PRETA.

What industry is PRETA in?

PRETA's product category is Digital Payment Infrastructure. Its primary akta.pro industry code is FSAMAHAD, Instant Payment Scheme Connectivity & Processing (e.g., FedNow, SEPA Instant, Faster Payments), with a secondary code of FSAMAFAF, A2A Checkout & Merchant Acceptance Solutions. Its NAICS code is 52232 and its SIC code is 6153.

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