Yowpay and Akurateco have entered into a akurateco yowpay partnership that puts SEPA account-to-account (A2A) payments front and center for payment service providers (PSPs), acquirers, banks, and enterprise merchants across Europe. By integrating Yowpay’s SEPA orchestration layer into Akurateco’s white-label payment platform, the two companies are turning SEPA into a fully managed alternative payment method that works natively inside existing payment environments.
The result is a powerful combination: Akurateco’s advanced payment orchestration and alternative payment method (APM) hub, reinforced by Yowpay’s business IBANs, modular SEPA API, automated reconciliation, and non-Merchant-of-Record (non-MoR) direct-funds model. Together, they unlock lower fees, higher conversion rates in eurozone markets, and new monetization opportunities for PSPs and acquirers.
Why This Partnership Matters for European Payments
SEPA is already one of the pillars of European payments and is currently the second most used payment method in Europe. Yet many PSPs and merchants still treat SEPA transfers as a side process instead of a frictionless payment option at checkout.
This partnership changes that dynamic. Akurateco’s clients can now activate SEPA A2A payments as a fully managed APM directly through their existing payment platform. No separate integrations, no parallel workflows, and no additional infrastructure required.
For businesses processing euro-denominated payments, this means:
- Lower payment acceptance costs compared to traditional card schemes
- Improved checkout conversion in SEPA-focused markets
- Faster, more predictable cash flow via direct account-to-account transfers
- A future-ready payment stack aligned with Europe’s evolving payment preferences
Inside Akurateco’s White-Label Payment Platform
Akurateco is a white-label payment software provider serving PSPs, acquirers, enterprise merchants, and banks. Its platform is designed to centralize and orchestrate complex payment operations across multiple channels, providers, and regions.
Key capabilities of Akurateco’s platform include:
- Advanced payment orchestration for managing multiple payment routes and providers
- Smart routing and cascading to optimize approval rates and minimize declines
- Centralized management of multiple card-acquiring MIDs
- A wide hub of APMs so PSPs can offer local and alternative methods from a single interface
- Merchant management tools and performance analytics for better decision making
- Secure infrastructure that supports international payment operations
With a flexible architecture, Akurateco enables PSPs and banks to scale globally while maintaining full control over risk, routing, reporting, and the entire merchant lifecycle. By adding Yowpay’s SEPA capabilities into this environment, SEPA A2A transfers become just as orchestrated and manageable as cards and other APMs.
What Yowpay Brings: A Dedicated SEPA A2A Orchestration Layer
Yowpay is a Luxembourg-based SaaS company specialized in SEPA account-to-account payments and payment orchestration. Its platform is built from the ground up to help businesses get the most out of SEPA transfers.
Core strengths of Yowpay’s SEPA layer include:
- Business IBANs dedicated to each merchant and/or customer, simplifying allocation and tracking of incoming payments
- Multiple SEPA initiation channels, including QR codes, manual transfers, and Open Banking flows
- Automated reconciliation and reporting that cut back-office workload and reduce errors
- Support for both low-risk and high-risk merchant categories
- Non-MoR, direct-funds model, allowing merchants to receive funds directly instead of through an intermediary Merchant of Record
- Modular SEPA API for flexible integration into existing systems and payment flows
Together, these capabilities help businesses reduce operational effort, speed up cash flow, and improve payment acceptance for euro-denominated transactions.
How the Integration Works: SEPA as a Native APM
The partnership turns SEPA from a back-office process into a high-performing, front-line payment method that can be surfaced at checkout like any other APM.
Within Akurateco’s ecosystem, PSPs, acquirers, and merchants can:
- Toggle SEPA A2A payments on as a managed payment method
- Offer customers different initiation options (QR, manual transfer, Open Banking) based on their preference and context
- Use Akurateco’s smart routing and merchant management tools while Yowpay handles the SEPA orchestration in the background
- Rely on automated reconciliation powered by Yowpay’s business IBANs and reporting tools
This design keeps the user experience and operational control centralized inside Akurateco, while Yowpay focuses on delivering a robust, compliant, and efficient SEPA layer under the hood.
Key Benefits by Stakeholder
Benefits for PSPs
Payment service providers gain a fast track to SEPA A2A capabilities without building their own SEPA infrastructure from scratch.
- Expanded APM portfolio with a complete, fully managed SEPA A2A layer
- New monetization opportunities from SEPA-based C2B and B2B flows
- Faster time-to-market for SEPA offerings, leveraging prebuilt orchestration from Yowpay
- Stronger value proposition when pitching to merchants that prefer account-to-account payments
Benefits for Acquirers and Banks
Acquirers and banks can broaden their payment capabilities and tap into SEPA-driven revenue streams while keeping their brand and merchant relationships in the foreground.
- Additional revenue channels via SEPA A2A volume
- Improved economics compared to card-only models in euro markets
- Better alignment with European payment preferences as SEPA continues to gain traction
- Scalable, modular architecture that can evolve with regulatory and market changes
Benefits for Enterprise Merchants
For enterprise merchants, SEPA A2A becomes a high-conversion, low-cost payment option that plugs directly into their existing payment stack.
- Lower fees compared to many traditional card transactions
- Potentially higher conversion rates in markets where SEPA transfers are a preferred payment method
- Real-time compatible euro payments where supported by their banking partners and clearing mechanisms
- Faster access to funds thanks to Yowpay’s non-MoR, direct-funds model
- Reduced reconciliation workload using business IBANs and automated reporting
- Support for diverse risk profiles, including higher-risk categories that rely heavily on A2A transfers
SEPA as a Conversion Engine, Not Just a Bank Transfer
Historically, SEPA transfers were often treated as a slow, manual, and operationally heavy option. By orchestrating SEPA as a fully managed APM, Yowpay and Akurateco help turn SEPA into a true conversion driver.
Key levers that support stronger conversion performance include:
- Local familiarity in eurozone markets where SEPA is deeply trusted and widely used
- Multiple initiation flows (QR codes, manual transfers, Open Banking) that adapt to customer behavior and device
- Smart routing and orchestration at the platform level, ensuring SEPA is offered when it is most likely to be chosen
- Simplified reconciliation, which reduces operational friction for merchants and encourages greater SEPA adoption at checkout
Comparing SEPA A2A vs Traditional Card Payments
The partnership does not aim to replace cards entirely; instead, it gives PSPs and merchants a powerful additional tool. In many eurozone scenarios, SEPA A2A can complement or outperform cards on cost and customer preference.
| Dimension | SEPA A2A via Yowpay + Akurateco | Traditional Card Schemes |
|---|---|---|
| Primary Region | Eurozone (SEPA area) | Global, with varying regional costs |
| Typical Cost Structure | Low-fee, account-to-account transfers | Interchange, scheme fees, acquirer margins |
| Customer Preference in Europe | Second most used payment method in Europe | Widely used, but not always the first choice |
| Reconciliation | Automated via business IBANs and reporting | Card statement-based, typically already structured |
| Merchant Access to Funds | Direct funds receipt via non-MoR model | Through acquirer settlement process |
By offering both, PSPs and merchants can route each transaction to the method that delivers the best balance of cost, conversion, and customer experience.
New Monetization Paths for PSPs and Acquirers
The integration is not just a technical upgrade; it is also a commercial opportunity. With SEPA A2A built into Akurateco’s platform and powered by Yowpay, PSPs and acquirers can:
- Introduce SEPA-based products for both consumer-to-business (C2B) and business-to-business (B2B) payments
- Onboard merchant segments that favor or require A2A payments
- Package SEPA as part of premium or differentiated pricing tiers
- Strengthen retention by offering clients a broader, more flexible payment stack
Because Yowpay manages the SEPA orchestration layer, PSPs and acquirers can focus on commercial strategy, merchant acquisition, and value-added services instead of building and maintaining their own SEPA technology stack.
Supporting EU Market Expansion for International Merchants
For international merchants entering the EU, offering familiar local payment options is critical. With this partnership, SEPA A2A can be introduced alongside cards and other APMs through a single platform.
That delivers several strategic advantages:
- Faster market entry by using Akurateco’s ready-made orchestration combined with Yowpay’s SEPA layer
- Local relevance in eurozone markets where SEPA is a key payment method
- Scalable infrastructure that can handle growth across multiple EU countries
- Simplified operations thanks to centralized merchant management and automated reconciliation
A Future-Ready, Compliant Payment Stack for Europe
European payments continue to evolve under the influence of regulation, Open Banking initiatives, and changing customer expectations. The Yowpay–Akurateco partnership is built with this evolution in mind.
By combining:
- Akurateco’s orchestration, smart routing, and APM hub with
- Yowpay’s SEPA A2A expertise, business IBANs, and modular API
the partnership delivers a payment architecture that can adapt as SEPA usage grows, as Open Banking flows mature, and as merchants demand more control and efficiency from their payment providers.
Conclusion: Turning SEPA into a Strategic Advantage
The strategic partnership between Yowpay and Akurateco transforms SEPA A2A payments from a basic bank transfer option into a high-value, fully orchestrated payment method.
For PSPs, acquirers, and enterprise merchants, this means:
- Lower fees and stronger unit economics on euro-denominated payments
- Higher conversion rates in SEPA-centric markets
- New revenue opportunities built around A2A flows
- A scalable, compliant, and modern payment stack aligned with the future of European commerce
As SEPA continues to grow as a preferred payment option across Europe, the Yowpay–Akurateco integration provides the tools and infrastructure needed to turn that trend into a competitive advantage.
