Industry

Marketplaces: accelerate your processes and growth

Optimise transaction management on your platform or marketplace. Our embedded payment solution simplifies your processes and supports your growth.
A comprehensive solution for collection, reconciliation and fund distribution, all in complete security.

Grow your business without compromise​​

Onboarding​

Fast and secure integration

of new partners.

PSP collections​

Compatibility with the various payment service providers

you use.

Reconciliation​​

Accurate tracking and

simplified reconciliation

through virtual IBANs.

Allocation​

Instant fund allocation,

fully under your control.

Onboarding: integrate your partners securely

Ensure the success of your platform or marketplace with secure and smooth partner integration.

  • Automated onboarding process with a robust and compliant identity verification system (KYC and KYB processes).
  • Quick validation of your partners or clients, in compliance with anti-fraud and anti-money laundering (AML) standards.

Secure collection: a solution for all your financial flows

Centralise and secure your collections with a flexible solution, compatible with your payment service providers (PSPs).

 

To meet all your marketplace needs, add complementary payment methods to card payments, such as SEPA flows (credit transfers, direct debits, payment initiation).

 

Your merchant partners’ funds are secured in segregated accounts before being redistributed in full compliance.

Automated reconciliation: simplify your payment management

Track your payments easily through automatic reconciliation. Assign each partner a virtual IBAN, simplifying transaction identification and accounting reconciliation.
Virtual IBANs enable automated management of financial flows whilst ensuring optimal traceability at each step.

 

You benefit from a clear overview of your financial flows and instant notifications for real-time monitoring.

Integrating payment tools into your software enables automatic invoice and payment reconciliation.

Flexible fund management and distribution

Distribute your funds flexibly and securely. Adapt and manage your financial flows according to your needs:

  • Account structuring: simplify profit and loss accounting, commissions and partner accounts.
  • Real-time access to account balances and transaction statuses, enabling automatic account balancing.
  • Programmable payment management according to your business rules, 24/7 thanks to instant payment.

 

Track your financial flows easily and offer your teams complete transparency.

Thanks to the flexibility of our solutions, you can quickly adapt to variations in volume and changes in transaction types.

End-to-end compliance management for all your operations

Reduce risks and ensure smooth operations throughout your clients’ lifecycle.

 

Our solution secures the entire payment process, from vendor verification to transaction processing.

 

It integrates proactive monitoring systems to meet anti-money laundering and counter-terrorist financing requirements:

  • Compliance with AML/CFT standards​
    Meets ACPR requirements for anti-money laundering and counter-terrorism financing.​
  • Fund escrow with Natixis accounts​
    As a subsidiary of Groupe BPCE, Xpollens ensures optimal fund security.
Le processus de KYC comprend tous les éléments suivants : vérification de l'identité du client, contrôle LCB-FT (lutte contre le blanchiment de capitaux et le financement du terrorisme), contrôle de l'identité par vidéo, vérification que la personne n'est pas politiquement exposée (PPE), et demande de documents légaux le cas échéant.
Logo de notre client Adeo.

A merchant account management solution for marketplaces​

Adeo, the European leader and third-largest global player in DIY retail, is a platform that includes brands dedicated to home improvement, such as Leroy Merlin and Saint-Maclou.​
As part of launching its marketplace, Adeo sought a partner to quickly initiate its international operations.​

The Xpollens Solution:​

  • Regulatory compliance: adheres to specific regulations for third-party collections and is compatible with Adeo’s PSPs.​
  • Merchant onboarding: onboarded to the marketplace in over 30 countries within 24 hours (KYC).​
  • Fund collection: funds are received in the marketplace account via the local PSP.​
  • Fund distribution: Xpollens allocates the funds to various merchants and processes commission payouts.​

FAQ: Embedded payment for platforms and marketplaces

How can I optimise transactions on a platform or marketplace?

Through a complete payment solution, each transaction can be optimised at multiple levels, whether for payins or payouts.
This optimisation involves various payment methods adapted for platforms and marketplaces, including card collections, credit transfers and direct debits to meet high-value basket needs.

How can I simplify financial flow management?

Financial flow management becomes simple through complete transparency and real-time control of each transaction. It’s less about the tools than the integration method that matters. By integrating Xpollens’ APIs directly into their systems, marketplace operators can manage their payments autonomously, thus optimising their agility and efficiency.

Are the payments secure?

Transaction security is ensured through advanced monitoring systems, designed to prevent fraud and ensure regulatory compliance. These systems establish a high level of trust for all users of your platform.

How can payments help retain your partners and clients?

Retaining your partners and clients relies on fast and smooth payments. Instant payments enable real-time transactions, thus improving satisfaction and engagement on your platform.

What solutions are available to improve the payment experience?

Solutions like Payment Automation and Payment Experience are designed to optimise the payment experience. They ensure fast, simple transactions perfectly adapted to your clients’ and partners’ needs.

Want to know more?

Discover how Xpollens can integrate into your projects.