SEPA Direct Debit

Collect your payments within 24 hours

Our SEPA direct debit solution enables you to collect your payments within 24 hours and features a pricing that is fixed. Our solution removes the need to transfer your liquidity between your existing payment solution and your bank account, as your payment solution is now fully integrated into your banking platform.

Get paid via SEPA direct debit

Enjoy fixed pricing

Enjoy fixed pricing

Our pricing plans are all based on a fixed tariffs that are set in advance and billed monthly. The value of your payment collection does no impact the pricing, only the volume of collections does. The volume is set by you and you can change it at any time.

Receive your payments within 24 hours

Receive your payments within 24 hours

Your WCR is no longer subject to the pressure imposed by your fintechs and banking partners. At Memo Bank, your bank account is credited within 24 hours for collection instructions initiated before noon (48 hours otherwise).

Collect your payments via your Memo Bank account

Collect your payments via your Memo Bank account

You can manage your payment collections directly from your Memo Bank account: volume of payments, recurrences, due date, etc.

Collect your payments via your Memo Bank account
Collect your payments via our banking API

Collect your payments via our banking API

You can fully automate the SEPA collections of your payments with our unique and multi-award-winning banking API.

Real-time notifications

Real-time notifications

Either from your Memo Bank account or via our banking API, you can track in real time the status of your incoming transactions. If a payment collection is rejected, you can access the reason behind the failed transaction (R-transaction).

Maximise the debt collection recovery rate

Maximise the debt collection recovery rate

14.6% of online card payments are declined (Banque de France). Our solution allows you to collect payments from your customers by directly debiting their current account. Additionnaly, you can automate payment retries for failed transactions. SEPA direct debits enable you to maximise your debt collection recovery rates and minimise admin tasks dedicated to monitoring your accounts receivable.

Maximise the debt collection recovery rate

Pay your invoices via SEPA direct debit

Pay your suppliers quickly and safely

Pay your suppliers quickly and safely

To fulfill your financial obligations towards your clients, suppliers, etc. you can pay your creditor via SEPA direct debit. The SEPA direct debit is then carried out in a secure manner. You can dispute a direct debit, either by challenging each debit or by revoking the entire direct debit mandate.


Track your outgoing payments in real time

Track your outgoing payments in real time

As your transactions are tracked and visible in real-time, you can act quicly if you detect any errors on your SEPA payments (wrong or unknown recipients, unusual amounts, suspicious transactions, etc.).


Mitigate the risk of fraud. From within.

Mitigate the risk of fraud. From within.

Neutralise the risk of fraud. Through our available functionnalities, you can prevent any outgoing payments from leaving your account.

Hundreds of companies trust Memo Bank

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Services and technologies

Icone employés 50 employees
Icone marqueur Paris (75)
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Computer equipment

Icone employés 20-49 employees
Icone marqueur Paris (75)

Discover how our clients accelerated their development with Memo Bank

An integrated solution to take and to make SEPA payments

Features
  • 1

    Payment collection module integrated into your banking platform


  • 2

    SEPA CORE and SEPA B2B direct debit


  • 3

    Adding existing or creating new SEPA mandates with electronic signatures


  • 4

    Using an existing or creating a new SEPA creditor identifier


  • 5

    Grouped, recurring or one-off SEPA direct debit collections


  • 6

    The reason behind a failed transaction (R-transaction) is available


  • 7

    Automatic retry of failed payments to maximise debt collection recovery rate


  • 8

    One-time or recurring date to collect your payments


  • 9

    Make payments via SEPA direct debit


  • 10

    Real-time notifications on incoming and outgoing payments


  • 11

    The risk of fraudulent SEPA direct debits is removed

Experience
speaks louder than words.

Ready to leave the dark side of banking behind?

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