Offers

Payment Experience

Whether you’re enhancing your customer journey or launching a new payment-enabled offering, our card, e-wallet, instant transfer, and direct debit solutions streamline every step for a simple and secure experience.

Payment Experience:
a distinctive suite for your business

Count on us to reinvent your customer experiences and propel your business forward. Create:

Your payment offering in record time
Your next-generation loyalty program
Your omnichannel cashback program

Efficiency and simplicity: Payment Experience brings a new dimension to your transactions

For incoming or outgoing payments, from initiation to transaction completion, Payment Experience eliminates friction points and benefits businesses and their customers.

In Retail
& E-commerce

Increased conversion rates
Reliable and traceable transactions
Simple payment integration in merchant apps and customer journeys
Customisation of closed-loop payment card programs
Customer satisfaction and loyalty

In Tech sectors: fintechs, accounttechs, insurtechs…

Optimised Time to Market
Custom card design and controls (limits, acceptance network…)
Onboarding process: KYC and KYB
Quick and simple account opening and payment card issuing
Self-care portal for real-time information and settings access
Mobile wallet and Xpay compatibility

Payment Experience: a range of next-generation payment methods for your customers

With Payment Experience, you optimise your customers’ payment journeys by making them simple, fast, and sometimes invisible!

Credit transfers
Instant Payment
P2P payments
Direct debits (SDD)
Payment cards

Instant Payment and Payment Initiation: payments in 10 seconds flat

As an alternative to cards, you can integrate the sending and receiving of instant payment directly into your processes, offering a seamless payment experience:

Pay and receive funds in 10 seconds, 24/7, up to €100,000
Enable high-value baskets
Keep customers in your environment without bank redirects through payment initiation
Offer near-instant refunds
In case of transaction failure, simply present a reliable and immediate payment alternative

SEPA Direct Debit: pay without thinking

Particularly suited for recurring payments, but also occasional payments when cards don’t meet creditor requirements, SEPA Direct Debit offers an invisible and secure payment experience:

Simplicity: once the SEPA mandate is signed, customers have nothing else to do
Transparency: debits follow a schedule. Customers know their debit dates
Refunds: up to 8 weeks for disputes, up to 13 months for unauthorised operations

Payment Experience: more data to better know and retain your customers

In compliance with GDPR, payment information shared via our APIs helps you expand your customer knowledge and refine your offers.

Thanks to high-quality data, you ensure continuous improvement of engagement rates, conversion rates, customer satisfaction, and retention.

Banking and regulatory complexity handled by Xpollens

Our advice and support teams‘ primary concern? Ensuring you can save time and focus 100% on your core business!

Xpollens, a subsidiary of Groupe BPCE, holds a banking licence and payment/e-money institution authorisation.
We handle banking complexity and implement anti-fraud and anti-money laundering/counter-terrorist financing (AML-CTF) processes.