The European payments landscape is shifting fast toward account‑to‑account, data‑rich and cost‑efficient payment rails. Against this backdrop, Yowpay and Akurateco have joined forces to deliver a powerful new SEPA payment layer designed for PSPs, acquirers and enterprise merchants operating across the eurozone.
This strategic partnership natively integrates Yowpay's SEPA account‑to‑account (A2A) payment orchestration into Akurateco's white‑label payment platform, enabling fully managed SEPA transfers as an alternative payment method directly inside existing payment environments. The result is a future‑ready stack that boosts conversion, cuts costs and unlocks new revenue opportunities across Europe.
Why This Partnership Matters for European Payments
SEPA transfers have become one of the most widely used payment instruments in Europe and are already the second most used payment method in the region. As merchants and PSPs look to reduce card dependency and improve margins, SEPA‑based account‑to‑account payments are emerging as a strategic alternative.
The Yowpay–Akurateco partnership is designed to make this shift achievable without disrupting existing payment operations. By embedding Yowpay's orchestration layer into Akurateco's white‑label platform, the collaboration delivers:
- Native SEPA A2A support as a fully managed alternative payment method (APM)
- Cost‑efficient euro‑denominated processing for both consumer and business flows
- Multiple SEPA initiation channels, including QR codes, manual transfers and Open Banking flows
- Automated reconciliation with business IBANs and granular payment matching
- A non‑MoR, direct‑access model, so merchants receive funds straight into their own accounts
- Support for low‑ and high‑risk merchant categories, expanding the addressable client base for PSPs and acquirers
In short, the integration transforms SEPA transfers from a back‑office process into a front‑line growth engine for payment providers and merchants.
About Yowpay: SEPA A2A Payment Orchestration, Built in Luxembourg
Yowpay is a Luxembourg‑based SaaS specialist in SEPA account‑to‑account payments, focused on making euro‑denominated bank transfers as simple and powerful as any mainstream digital payment method.
Its SEPA orchestration platform is designed for PSPs, acquirers and merchants that want to fully leverage bank transfers without building the complex infrastructure themselves. Yowpay provides:
- Business IBANs, dedicated per merchant and or per customer for accurate, automated reconciliation
- Multiple SEPA initiation options: QR code payments, manual bank transfers and Open Banking flows
- Automated reconciliation and reporting for incoming SEPA credits
- Support for both low‑risk and high‑risk merchants, expanding use cases beyond traditional retail
- A non‑merchant‑of‑record (non‑MoR) model, giving businesses direct access to funds and clear visibility on cash flow
By combining modular APIs with robust reconciliation tools, Yowpay helps businesses:
- Reduce manual back‑office work related to bank transfers
- Speed up cash flow and settlement visibility
- Optimize acceptance rates for euro‑denominated transactions
About Akurateco: White‑Label Payment Software for Global PSPs and Banks
Akurateco is a leading provider of white‑label payment software used by PSPs, acquirers, enterprise merchants and banks worldwide. Its platform allows payment providers to launch or scale their own branded payment solutions quickly while retaining full control over risk, routing and merchant management.
Akurateco's platform includes:
- Advanced payment orchestration across multiple connections and payment methods
- Smart routing and cascading to optimize authorization rates and reduce declines
- Centralized management of multiple card‑acquiring MIDs
- A broad hub of alternative payment methods (APMs) alongside cards
- Merchant management and performance analytics to improve portfolio profitability
- Secure infrastructure designed for international payment operations
Its flexible architecture makes it easier for PSPs and banks to scale globally while controlling every aspect of their payment stack, from risk rules to routing logic and reporting.
What the Integration Actually Delivers
The new partnership goes well beyond a simple technical connection. It embeds Yowpay's SEPA orchestration directly inside Akurateco's payment environment, giving PSPs and merchants an out‑of‑the‑box SEPA solution that behaves like any other fully managed payment method.
1. Fully Managed SEPA A2A as an Alternative Payment Method
Through the akurateco yowpay integration, Akurateco's PSPs, acquirers and enterprise merchants can activate SEPA transfers as a fully managed alternative payment method without leaving their current platform. There is no need to integrate multiple banks separately or build in‑house reconciliation engines.
Within a familiar interface, payment providers can:
- Add SEPA A2A to their existing checkout flows
- Offer SEPA as a local payment method in euro‑area markets
- Manage SEPA transactions alongside cards and other APMs
2. Cost‑Efficient Euro‑Denominated Processing
SEPA transfers typically come with lower fees than traditional card transactions, especially for higher‑value payments or recurring B2B flows. By routing these through Yowpay, merchants gain access to:
- More predictable and often lower processing costs
- Real‑time compatible euro payments where local schemes support them
- Reduced reliance on card rails for euro‑denominated volumes
This cost efficiency is especially valuable for:
- Enterprise merchants with significant euro transaction volumes
- Subscription and invoice‑based businesses
- Cross‑border merchants consolidating settlement in euros
3. Multiple Ways for Customers to Initiate SEPA Payments
One of the core strengths of Yowpay's orchestration layer is support for multiple initiation channels that fit different user journeys and markets:
- QR code payments that customers can scan with their banking app for fast initiation
- Manual transfers where customers receive structured banking details and references
- Open Banking flows that connect to supported banks for streamlined initiation
These options allow PSPs and merchants to tailor the SEPA experience to their specific checkout flows, whether online, in‑app, at point of sale or for invoice‑driven payments.
4. Automated Reconciliation with Business IBANs
Handling incoming bank transfers manually is a major operational pain point. Yowpay addresses this with dedicated business IBANs for each merchant and or customer combined with automated reconciliation.
Every SEPA transfer is linked to the right merchant and payment reference, so PSPs and merchants can:
- Match incoming payments automatically to orders or invoices
- Reduce human error and manual data entry
- Gain clear, real‑time visibility into paid and unpaid items
Integrated reporting further simplifies financial operations and shortens the time between payment initiation and confirmed settlement in back‑office systems.
5. Non‑MoR Direct‑Access Model
The partnership is built around a non‑merchant‑of‑record (non‑MoR) model, which means merchants retain direct access to their funds. Yowpay provides the SEPA orchestration and reconciliation layer without stepping between merchants and their money flows.
This model gives businesses:
- Direct payout into their own accounts
- Clear lines of responsibility and compliance
- More control over treasury and cash management strategies
6. Support for Low‑ and High‑Risk Merchants
By supporting both low‑risk and high‑risk merchant categories, Yowpay's infrastructure enables PSPs and acquirers to serve a broader portfolio of clients. This flexibility opens up additional markets and verticals, especially those that prefer or require account‑to‑account payments over cards.
Key Benefits for PSPs, Acquirers and Merchants
The integration between Yowpay and Akurateco unlocks a number of strategic wins across the payment value chain.
For PSPs and Payment Facilitators
- Expanded APM portfolio with a complete SEPA A2A layer seamlessly added to existing offerings
- New revenue streams from SEPA‑based consumer‑to‑business (C2B) and business‑to‑business (B2B) payment flows
- Access to new merchant categories that prioritize or require bank transfer solutions
- Faster time to market, by leveraging a ready‑made SEPA orchestration platform instead of building internally
For Acquirers and Banks
- Additional euro‑denominated volume flowing through SEPA rails rather than solely card networks
- Improved product differentiation through a modern A2A solution embedded in a white‑label platform
- Scalable, modular architecture that can adapt as Open Banking and instant payments continue to evolve
For Enterprise Merchants and Marketplaces
- Lower acceptance costs through SEPA transfers compared with traditional card schemes for many use cases
- Higher conversion rates in markets where SEPA is a preferred local payment method
- Reduced cart abandonment for high‑ticket purchases where customers may hesitate to use cards
- Streamlined reconciliation with dedicated business IBANs and automated matching
- Direct access to funds thanks to the non‑MoR model
How the Integration Improves Conversion and Customer Experience
SEPA transfers are deeply embedded in everyday European banking habits. Many customers are comfortable initiating a bank transfer from their mobile banking app, especially for larger or recurring payments. Harnessing this behaviour at checkout has a direct impact on conversion.
Through the Yowpay–Akurateco integration, merchants can:
- Offer SEPA as a trusted, local payment option alongside cards and wallets
- Provide simple initiation with QR codes or Open Banking flows, reducing friction
- Minimize declines linked to card limits, expired cards or issuer‑specific rules
Because SEPA is already the second most used payment method in Europe, giving customers the ability to pay by transfer within a familiar checkout environment can significantly reduce abandonment, particularly in euro‑area markets.
Reducing Card Dependency and Optimizing the Payment Mix
As payment costs rise and regulations evolve, many businesses are rethinking their heavy reliance on card networks. The Yowpay–Akurateco partnership provides a pragmatic path towards a more balanced payment mix, where SEPA transfers handle a meaningful share of euro transactions.
By adding SEPA A2A as a fully featured APM, payment providers can:
- Shift suitable flows off card rails, especially high‑value and recurring payments
- Protect margins without compromising customer experience
- Diversify payment risk across multiple rails rather than depending on one network type
This diversification becomes especially powerful when combined with smart routing and orchestration tools already available in Akurateco's platform. Providers can steer each transaction to the optimal payment rail based on amount, risk profile, geography and customer preference.
New Monetization Opportunities Across the Eurozone
For PSPs and acquirers, SEPA A2A is not just a cost‑saving tool for merchants; it is also a source of net new revenue. With Yowpay embedded in Akurateco's white‑label stack, providers can:
- Package SEPA transfers as a premium euro‑area payment method within their product catalogue
- Onboard businesses that prefer bank transfers, such as B2B platforms, subscription models and invoice‑based services
- Monetize both C2B and B2B flows without investing in proprietary SEPA infrastructures
Because the solution is delivered as a managed service, payment providers can focus on go‑to‑market and commercial strategy while relying on Yowpay and Akurateco for the underlying technology and operations.
A Future‑Ready Payment Stack for European Commerce
The partnership between Yowpay and Akurateco is engineered for organizations that see payments as a strategic growth driver, not just a cost center. Together, the two companies deliver a resilient and scalable architecture tailor‑made for:
- European merchants processing euro‑denominated payments and seeking better margins
- PSPs expanding their payment method portfolio with a modern SEPA A2A option
- Acquirers looking for additional revenue streams in the eurozone
- International merchants entering the EU payments market who want a locally relevant solution from day one
By combining white‑label flexibility from Akurateco with SEPA orchestration from Yowpay, the partnership offers a modular, compliant and scalable payment infrastructure aligned with the future of European commerce.
Conclusion: Turning SEPA Transfers into a Growth Engine
SEPA account‑to‑account payments are moving from the background to the spotlight of European payment strategies. The new strategic partnership between Yowpay and Akurateco transforms SEPA transfers into a fully managed, high‑performance alternative payment method that fits seamlessly into existing payment ecosystems.
With cost‑efficient euro processing, multiple initiation channels, automated reconciliation, support for diverse merchant risk profiles and a non‑MoR, direct‑access model, the integration empowers PSPs, acquirers and merchants to:
- Boost conversion in key European markets
- Reduce dependency on card schemes
- Unlock new monetization opportunities across the eurozone
For payment providers and merchants that want to turn SEPA from an operational necessity into a competitive advantage, the Yowpay–Akurateco collaboration offers a powerful, future‑ready path forward.
