PRETA

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.

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

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

Headquarters

HQ city

Paris

HQ country

France

HQ region

Europe

Offices1 record

Markets served

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

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

Named customers1 record

Segments4 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

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

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

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

Funding overview

Funding rounds

Investors

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

M&A

Investments

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

Frequently asked questions about PRETA