Yowpay and Akurateco Partner to Unlock Scalable SEPA A2A Payments Across Europe

Yowpay, a Luxembourg‑based specialist in SEPA account‑to‑account payments and payment orchestration, has entered into a strategic partnership with Akurateco, a leading white‑label payment platform provider for PSPs, acquirers, banks, and enterprise merchants worldwide.

Through this collaboration, akurateco yowpay now natively integrates Yowpay's SEPA orchestration layer, enabling payment service providers, acquirers, and large merchants to activate fully managed SEPA transfers as an alternative payment method directly within their existing environments.

The result is a more powerful, more flexible payment stack for businesses operating in or entering the eurozone: lower fees, improved checkout conversion, real‑time compatible euro settlements, new monetization options, and a future‑ready infrastructure built around SEPA — currently the second most used payment method in Europe.

Why This Partnership Matters for European Payments

For years, European payment ecosystems have been heavily dependent on cards and a patchwork of local payment methods. At the same time, SEPA has steadily grown into one of the dominant ways to move money in euros, both for consumers and businesses.

By bringing together Yowpay's SEPA A2A expertise and Akurateco's white‑label payment orchestration platform, this partnership creates a direct, streamlined bridge between euro bank accounts and a modern, global‑grade payment hub. That combination delivers three powerful advantages:

• Native SEPA A2A as an alternative payment method (APM) within the existing Akurateco environment.
• End‑to‑end orchestration and automation for SEPA transfers, from initiation to reconciliation.
• Scalable, compliant infrastructure for PSPs, acquirers, and merchants operating across the eurozone.

This is not a standalone add‑on or a loosely connected integration. Yowpay's SEPA layer becomes a native component of Akurateco's payment platform, making it significantly easier for PSPs and merchants to introduce SEPA account‑to‑account payments without overhauling their tech stack.

Akurateco's White‑Label Platform Meets Yowpay's SEPA Orchestration Layer

Akurateco has built a strong reputation as a white‑label payment platform that allows PSPs, acquirers, and banks to launch and scale their own branded payment solutions quickly and efficiently. Its platform is designed around advanced payment orchestration with:

• Smart routing and cascading across multiple payment providers.
• Centralized management of multiple card‑acquiring MIDs.
• A broad hub of alternative payment methods (APMs).
• Merchant management tools and performance analytics.
• A secure, robust infrastructure for international payment operations.

Yowpay complements this with a focused, deep specialization in SEPA‑based account‑to‑account (A2A) payments and reconciliation tools tailored to euro‑denominated flows. Yowpay's platform provides:

• Business IBANs dedicated to each merchant and, if needed, to each customer.
• Multiple SEPA payment initiation channels, including QR codes, manual bank transfers, and Open Banking flows.
• Automated reconciliation and reporting to simplify back‑office operations.
• Support for both low‑risk and high‑risk merchant categories.
• A non‑MoR (Merchant of Record) model with direct access to funds for merchants.
• A modular SEPA API that can be tailored to different payment use cases and risk profiles.

Together, the two platforms combine global‑grade orchestration with euro‑zone‑native bank transfer capabilities, creating a strong value proposition for payment businesses that want to expand or optimize their presence in Europe.

How the Native SEPA Integration Works in Practice

With this partnership, Akurateco's PSPs, acquirers, and enterprise merchants can activate SEPA transfers as a fully managed APM inside the platforms and workflows they already use. There is no need to build a separate SEPA engine, manage dozens of bank integrations, or maintain complex reconciliation scripts.

At a high level, the setup works as follows:

1. Activation– A PSP, acquirer, or merchant enables the SEPA A2A option via Akurateco's white‑label interface. Yowpay's orchestration layer becomes available as a payment route within existing payment flows.
2. Payment Initiation– End customers are offered SEPA bank transfer as an alternative payment method at checkout or during invoicing, with initiation handled via QR code, manual transfer instructions, or Open Banking flows.
3. Business IBAN Assignment– Yowpay assigns business IBANs to merchants, and, where required, to individual customers or payment flows to enable precise tracking.
4. Processing and Settlement– Funds move directly between bank accounts in euros through SEPA rails, enabling low‑fee, real‑time compatible settlement where supported.
5. Automated Reconciliation– Yowpay's tools match incoming payments with orders, invoices, or reference IDs, pushing clean, reconciled data back into Akurateco and the merchant back office.

From the PSP or acquirer's perspective, SEPA becomes simply another orchestrated payment method in their portfolio, fully aligned with how they already manage cards and other APMs in Akurateco.

Key Benefits for PSPs, Acquirers, and Merchants

While SEPA transfers have existed for years, they historically required manual setup, bespoke integrations, and heavy back‑office work. This partnership changes that, turning SEPA A2A into a plug‑and‑play, revenue‑generating payment method.

1. Expanded APM Portfolio Across the Eurozone

Akurateco's ecosystem gains a complete SEPA account‑to‑account payment layer managed by Yowpay. For PSPs and acquirers, this immediately enriches their offering to merchants. They can:

• Add SEPA A2A to checkout pages alongside cards, wallets, and other APMs.
• Cover both consumer‑to‑business (C2B) and business‑to‑business (B2B) euro payment flows.
• Serve local and cross‑border merchants in multiple eurozone markets with a single integration path.

Because SEPA is already the second most used payment method in Europe, this is not an experimental add‑on. It is a strategic payment rail that many European customers actively prefer and trust.

2. Cost‑Efficient Alternative to Card Schemes

Card processing fees can be significant, especially at scale or in sectors with thin margins. By contrast, SEPA account‑to‑account payments are typically lower cost per transaction and more predictable in terms of fee structure.

With Yowpay's orchestration layer inside Akurateco, merchants and PSPs can:

• Reduce their dependency on traditional card schemes.
• Route eligible transactions via SEPA A2A to optimize overall payment costs.
• Maintain a competitive pricing position when serving cost‑sensitive merchant segments.

The lower fee profile of SEPA transfers becomes particularly attractive for high‑ticket B2B payments, subscription businesses, marketplaces, and any merchant processing significant euro volumes.

3. Improved Checkout Conversion and Customer Experience

Across several European markets, bank transfers and account‑to‑account payments are a preferred way to pay. Offering SEPA A2A at checkout can therefore:

• Increase conversion by matching local customer expectations.
• Reduce cart abandonment among customers who are hesitant to use cards.
• Provide a clear, trusted, and familiar payment experience.

With multiple initiation channels available through Yowpay — from QR codes to manual bank transfers and Open Banking flows— merchants can adapt the user journey to their specific audience and use case. For example:

• E‑commerce checkouts might favor QR or Open Banking initiation for speed.
• Invoicing workflows may rely on structured manual transfer instructions.
• Point‑of‑sale scenarios can leverage QR codes to link in‑store experiences with bank transfer payments.

4. Real‑Time Compatible Euro Settlements

SEPA infrastructure is designed for fast, reliable euro settlements, and where SEPA Instant is available, transfers can be near real‑time. By orchestrating these flows via Yowpay, the partnership supports:

• Faster availability of funds compared to some traditional settlement cycles.
• Improved cash flow visibility through real‑time payment and reconciliation data.
• Better alignment between payment events and operational processes such as order fulfillment or service activation.

For merchants, this can translate into less working capital locked in transit and smoother day‑to‑day financial operations.

5. New Monetization Routes for PSPs and Acquirers

PSPs and acquirers are under constant pressure to diversify revenue streams and differentiate their offering. This partnership opens new monetization options around SEPA‑based C2B and B2B payment flows. They can:

• Offer SEPA A2A as a premium or value‑added service in their payment portfolios.
• Onboard new merchant verticals that naturally prefer account‑to‑account payments.
• Cross‑sell SEPA‑focused payment packages to existing merchants seeking to optimize fees or access new markets.

Because Yowpay manages the SEPA orchestration layer, PSPs and acquirers can focus on commercial strategy, merchant acquisition, and customer success instead of building and maintaining SEPA infrastructure from scratch.

6. Operational Efficiency Through Automated Reconciliation

One of the traditional pain points with bank transfers is reconciliation. Manually matching incoming transfers to orders or invoices is time‑consuming and error‑prone. Yowpay directly addresses this challenge with automated reconciliation and reporting.

By assigning dedicated business IBANs and structured references to payment flows, Yowpay helps:

• Reduce manual back‑office workload.
• Minimize reconciliation errors and unidentified payments.
• Accelerate financial closing and reporting cycles.

For merchants and PSPs using Akurateco, this means SEPA A2A payments can scale without being blocked by operational complexity.

7. Non‑MoR Model with Direct Access to Funds

Yowpay operates on a non‑MoR (non‑Merchant of Record) model, ensuring that merchants maintain direct access to their funds. Combined with Akurateco's white‑label platform, this gives PSPs, acquirers, and merchants:

• Greater transparency into how and when funds move.
• More control over settlement flows and banking relationships.
• A structure that aligns with various regulatory and compliance requirements across Europe.

SEPA A2A vs Card Payments: A High‑Level Comparison

The goal of this partnership is not to replace cards entirely, but to give the market a powerful alternative that can be used where it makes the most sense. This high‑level comparison illustrates why many businesses are adding SEPA A2A to their payment strategies:

Who Stands to Benefit Most from the Yowpay–Akurateco Integration?

Because the integration is available across Akurateco's white‑label platform, a broad range of stakeholders in the payments value chain can benefit.

Payment Service Providers (PSPs)

PSPs can immediately expand their product suite with a ready‑to‑use SEPA orchestration layer, opening up opportunities to:

• Attract merchants focused on euro‑denominated markets.
• Offer competitive pricing through SEPA A2A routing.
• Differentiate from PSPs that still rely mainly on card‑only setups.

Acquirers and Banks

Acquirers and banks using Akurateco's white‑label platform can take advantage of the integration to:

• Launch new SEPA‑based payment products quickly.
• Generate new fee streams on SEPA volumes without heavy development work.
• Better serve merchants that want bank‑centric payment solutions.

Enterprise and High‑Growth Merchants

Merchants processing significant euro volumes — whether in e‑commerce, B2B services, subscriptions, marketplaces, or digital platforms — gain a cost‑efficient, scalable way to add SEPA A2A at checkout or in invoicing workflows. This helps them:

• Lower overall payment acceptance costs.
• Improve conversion for customers who prefer paying from their bank account.
• Streamline reconciliation and financial operations with automated tools.

International Companies Entering the EU Market

For non‑European companies expanding into the EU, understanding and supporting local payment preferences is critical. Through Akurateco and Yowpay, these businesses can:

• Quickly support one of Europe's most widely used payment methods.
• Operate on an infrastructure already aligned with SEPA standards.
• Scale across multiple eurozone countries through a single, orchestrated integration.

A Future‑Ready Payment Stack for European Commerce

The European payments landscape is moving steadily toward more account‑to‑account, API‑driven, and instant flows. SEPA is at the heart of this evolution, and businesses that build around SEPA today will be better positioned for tomorrow's payment innovations.

The Yowpay–Akurateco partnership delivers a payment stack that is:

• Resilient– Leveraging well‑established SEPA rails and a mature orchestration layer.
• Scalable– Designed to support high transaction volumes and diverse merchant portfolios across Europe.
• Modular– Based on configurable APIs and orchestration rules that adapt to different business models.
• Compliant– Aligned with European regulatory requirements for euro payments and bank connectivity.

For PSPs, acquirers, and merchants, this is an opportunity to move beyond fragmented, card‑centric setups and embrace a payment architecture that fully reflects how European customers and businesses want to pay.

Conclusion: Turning SEPA into a Strategic Growth Lever

By embedding Yowpay's SEPA orchestration capabilities into Akurateco's white‑label payment platform, this partnership turns SEPA account‑to‑account payments into a strategic growth lever for the entire Akurateco ecosystem.

PSPs and acquirers can expand their service portfolios and unlock new revenue streams. Merchants gain a low‑fee, high‑conversion alternative to cards, complete with automated reconciliation and direct access to funds. International companies entering Europe can launch with a payment stack that matches local expectations from day one.

As SEPA continues to grow as a dominant payment method in the eurozone, the Yowpay–Akurateco integration offers a clear advantage: a modern, compliant, and modular payment infrastructure tailored to the evolving needs of European commerce.

For organizations ready to future‑proof their euro payments, this is a compelling path forward — combining the best of payment orchestration with the full potential of SEPA account‑to‑account payments.