Yowpay and Akurateco Partner to Supercharge SEPA A2A Payments Across Europe

On 15 December 2025, Luxembourg-based Yowpay, a specialist in SEPA account-to-account (A2A) payments and payment orchestration, announced a strategic integration with akurateco yowpay, a leading white-label payment software provider. This move gives payment service providers (PSPs), acquirers, and enterprise merchants an efficient way to activate fully managed SEPA transfers inside their existing Akurateco environments, unlocking a low-fee, real-time compatible alternative to card schemes.

The partnership combines Akurateco’s scalable payment orchestration, smart routing, merchant management, and alternative payment method (APM) hub with Yowpay’s modular SEPA layer. Together they enable businesses to improve euro checkout conversion, lower processing costs, open new customer-to-business (C2B) and business-to-business (B2B) revenue streams, and build a future-ready payment stack for the eurozone.

Partnership at a Glance

This strategic integration is designed to make SEPA-based A2A payments as easy to deploy and manage as card payments, but with the structural advantages of bank transfers.

Date announced: 15 December 2025
Scope: Akurateco’s PSPs, acquirers, and enterprise merchants gain native access to Yowpay-powered SEPA transfers as a fully managed APM.
Primary focus: Euro-denominated payments across the Single Euro Payments Area (SEPA).
Key outcome: A more cost-effective, conversion-friendly, and scalable way to accept and orchestrate SEPA A2A payments alongside cards and other APMs.

SEPA is already one of Europe’s most-used payment methods, ranking as the second most adopted payment rail across the continent. By embedding it natively into Akurateco’s platform via Yowpay, the partnership makes that rail easily accessible to a wider range of payments businesses and their merchants.

Who Are Yowpay and Akurateco?

Yowpay: SEPA A2A and Reconciliation, Made Modular

Yowpay is a Luxembourg-based SaaS company focused on SEPA account-to-account (A2A) payments and payment orchestration for euro transactions. Its core platform is built to help businesses unlock the full value of SEPA while minimizing operational overhead.

Key capabilities of Yowpay include:

Business IBANs dedicated to each merchant and, when needed, each customer, supporting granular tracking of incoming transfers.
Multiple SEPA initiation channels such as QR code payments, manual bank transfers, and Open Banking flows.
Automated reconciliation and reporting to match incoming payments with orders, invoices, or contracts.
Support for both low-risk and high-risk merchant categories through robust risk-aware tooling.
Non-Merchant-of-Record (non-MoR) model with direct access to funds for merchants and PSPs, reinforcing control over settlement and cash flow.

With its modular SEPA API and efficient reconciliation tools, Yowpay helps businesses reduce manual work, accelerate cash flow, and optimize acceptance for euro payments across Europe.

Akurateco: White-Label Payment Orchestration at Scale

Akurateco provides a full-scale white-label payment platform used by PSPs, enterprise merchants, and banks around the world. Its focus is on helping payment businesses scale globally while keeping control over risk, routing, reporting, and merchant lifecycle management.

Core elements of Akurateco’s platform include:

Advanced payment orchestration to connect and manage multiple acquirers and APMs from a single interface.
Smart routing and cascading to improve approval rates and minimize declines.
Centralized management of multiple card-acquiring MIDs for streamlined operations.
A broad hub of alternative payment methods to support regional and global customer preferences.
Merchant management tools and analytics for monitoring performance, risk, and profitability.
Secure, scalable infrastructure designed for international payment operations.

By adding a fully managed SEPA layer from Yowpay, Akurateco extends this orchestration engine deeper into A2A payments, giving its clients a richer, more flexible payment mix.

What the Integration Delivers

The Yowpay–Akurateco partnership is not just an additional connector; it is an integrated stack that turns SEPA transfers into a first-class, fully managed APM within Akurateco’s environment.

Native SEPA A2A inside Akurateco so PSPs and merchants can activate euro transfers without building new infrastructure.
Fully managed SEPA payment layer operated by Yowpay, reducing technical and operational complexity.
Low-fee, real-time compatible alternative to cards that leverages SEPA credit transfers and, where supported by banks, instant schemes.
Automated reconciliation and reporting that keeps back-office workloads under control even as volumes grow.
Non-MoR, direct-funds model that maintains merchant ownership over funds and settlement flow.

For Akurateco’s ecosystem, this translates into a stronger value proposition: a broader APM portfolio, improved economics, and a more adaptable payment stack ready for the nuances of the European market.

How the Combined Stack Works in Practice

At a high level, the integration layers Yowpay’s SEPA capabilities directly onto Akurateco’s existing orchestration, routing, and management framework.

1. Activation Within Existing Environments

Akurateco’s PSPs, acquirers, and enterprise merchants can turn on SEPA A2A through their familiar platform environment. There is no need to:

Contract and integrate separately with multiple SEPA providers.
Build custom SEPA routing, reporting, and reconciliation logic.
Reinvent merchant on boarding or settlement flows from scratch.

Instead, SEPA transfers appear as an additional APM that is orchestrated and monitored alongside cards and other payment methods.

2. Business IBANs and Structured Payment Flows

Through Yowpay, merchants and PSPs can use business IBANs that can be dedicated at the merchant level, and when needed, at the end-customer or transaction level. This granularity enables:

Clear mapping of incoming funds to the right merchant or customer profile.
Better tracking for invoices, orders, or subscription-like flows.
More accurate, timely reporting for operational and financial teams.

These IBANs sit behind Akurateco’s orchestration interface, ensuring that the complexity of SEPA account structures is abstracted away from front-end checkout and merchant tools.

3. Multiple SEPA Initiation Channels

Yowpay’s SEPA layer supports a range of initiation options, which can be leveraged by merchants according to their customer journeys:

QR code payments that customers can scan with their banking app to initiate a pre-filled SEPA transfer.
Manual SEPA transfers where customers receive structured payment details and complete the transfer through their own bank interface.
Open Banking flows that can streamline initiation directly from supported bank accounts.

Because these channels sit under Akurateco’s orchestration umbrella, payment providers can incorporate them into existing checkout flows and merchant portals without major redesigns.

4. Automated Reconciliation and Reporting

One of the traditional challenges with bank transfers is matching incoming funds to the correct transaction, especially at scale. Yowpay addresses this with automated reconciliation, tightly integrated with Akurateco’s merchant management and analytics.

Benefits include:

Less manual back-office work and fewer spreadsheet-based processes.
Faster confirmation of payment for merchants and customers.
Improved visibility into cash flow and settlement cycles.

This automation is particularly valuable for PSPs and acquirers serving thousands of merchants, where small efficiency gains compound into major operational savings.

5. Non-MoR Model with Direct Access to Funds

Yowpay operates on a non-Merchant-of-Record basis, meaning that merchants and PSPs maintain direct control over funds in their own accounts, rather than depending on an intermediary to hold balances.

Combined with Akurateco’s flexible settlement logic, this structure supports:

Greater transparency and control over fund flows.
Reduced dependency on third-party settlement timelines.
Alignment with how many PSPs and acquirers already manage card-based flows.

Key Benefits for Different Stakeholders

For PSPs and Payment Facilitators

Payment service providers stand to gain new capabilities and revenue opportunities from the Yowpay–Akurateco integration.

Expanded APM portfolio: Offer SEPA A2A right alongside cards, e-wallets, and local methods, increasing merchant stickiness.
New monetization channels: Capture C2B and B2B SEPA volumes across e-commerce, invoicing, and enterprise payments.
Access to high- and low-risk merchant categories: Leverage Yowpay’s support for a broad spectrum of industries.
Faster go-to-market in Europe: Launch or expand eurozone coverage without building a SEPA stack in-house.
Streamlined operations: Use Akurateco’s centralized tools to manage all methods, including SEPA, from one place.

For Acquirers

Acquirers looking to diversify revenue and reduce reliance on card schemes can use this partnership to augment their offering.

Additional revenue streams: Earn on SEPA-based payment flows while strengthening relationships with merchants and PSP partners.
Lower cost of acceptance: Offer merchants bank-transfer economics that can be more cost-efficient than card interchange-based models.
Stronger value proposition: Position as a one-stop shop for both card and A2A payments across the eurozone.
Data-driven insights: Combine SEPA and card transaction data through Akurateco’s analytics to support smarter routing and pricing strategies.

For Enterprise and International Merchants

Merchants selling to European consumers and businesses increasingly need payment experiences that are local, trusted, and cost-effective. The integration supports this by making SEPA transfers as simple to deploy as cards.

Higher conversion in euro markets: SEPA transfers are widely trusted and used across Europe, helping reduce cart abandonment.
Lower payment processing fees: A2A payments can significantly reduce transaction costs compared to traditional card acquiring.
Improved cash flow speed: Faster settlement of SEPA transfers, and compatibility with instant schemes where supported, help accelerate access to funds.
Smoother reconciliation: Automated matching of transfers to orders cuts down on manual finance tasks and errors.
Better support for B2B and higher-value payments: SEPA transfers are particularly well suited for larger-ticket and business payments, where cost and security are paramount.

Why SEPA A2A Is Strategic in Europe

The Single Euro Payments Area has become a cornerstone of European payments infrastructure. As SEPA credit transfers and related schemes mature, A2A payments are moving from niche use cases into the mainstream.

Several trends make SEPA A2A a strategic focus for payment providers and merchants:

Customer familiarity: Bank transfers are a trusted and widely used way to pay across many European countries.
Cost efficiency: A2A payments often carry lower fees than card transactions, especially for larger amounts.
Real-time compatibility: Where banks support instant SEPA schemes, funds can move quickly, enhancing customer satisfaction and merchant cash flow.
Open Banking enablers: New initiation flows supported by banking APIs make SEPA payments more user friendly at checkout.
Fit for C2B and B2B: SEPA transfers serve both consumer and business payments, unlocking a broad swath of monetizable flows.

By making SEPA transfers easy to activate and orchestrate, the Yowpay–Akurateco integration allows payments businesses to capture this growing demand without overhauling their entire tech stack.

Use Cases and Monetization Opportunities

With SEPA A2A plugged into Akurateco via Yowpay, PSPs, acquirers, and merchants can explore a wide range of practical applications.

1. E-commerce and Online Marketplaces

Checkout as a SEPA-first option: Offer bank transfers as a prominent payment method for euro customers alongside cards and wallets.
Reduced fees on larger baskets: Encourage SEPA payments for higher-value purchases to optimize margins.
Improved trust and localization: Present a familiar, bank-based option that resonates in markets where A2A is preferred.

2. Invoicing and B2B Transactions

Structured payment references: Use business IBANs and clear references to streamline invoice settlements.
Automated matching: Let Yowpay’s reconciliation handle the complexity of multiple open invoices and partial payments.
Optimized treasury operations: Gain clearer visibility into incoming funds across European customers.

3. Sectors with Tight Margins or High Volumes

Industries such as travel, digital goods, and subscription-style services can benefit from lower processing costs and efficient reconciliation.

Lower per-transaction costs: Enhance profitability in segments where margins are under pressure.
Scalable operations: Handle high volumes of incoming SEPA transfers without linearly increasing back-office headcount.
Flexible risk support: Leverage Yowpay’s ability to work with both low-risk and selected high-risk merchant segments.

4. Expansion into the Eurozone

Non-European merchants entering the EU market often need to localize payment methods quickly. The combined stack offers:

A single integration route: Use Akurateco as the orchestration hub and unlock SEPA via Yowpay under the same roof.
Rapid deployment: Reduce time-to-market by avoiding custom SEPA builds and separate vendor integrations.
Future-proof architecture: A modular, API-driven approach that can evolve with new regulations and market expectations.

A Future-Ready, Compliant Payment Stack for the Eurozone

The collaboration between Yowpay and Akurateco is ultimately about building a resilient, scalable, and modular payment architecture for Europe-focused businesses.

Together, the companies deliver:

For European merchants: A more efficient way to handle euro-denominated payments, reduce fees, and improve conversion.
For PSPs: A richer APM portfolio that includes fully managed SEPA A2A without the burden of developing and operating a SEPA platform internally.
For acquirers: New revenue lines and a differentiated proposition that blends cards with A2A and alternative methods.
For international merchants entering the EU: A ready-made, compliant, and modern payment setup tuned for the realities of European commerce.

As SEPA continues to grow in importance and Open Banking reshapes how customers interact with their banks, having a flexible A2A-ready stack is no longer optional for ambitious payment players. The Yowpay–Akurateco integration gives them that capability today, with a clear path to adapt as the market evolves.

For PSPs, acquirers, and merchants alike, this partnership is a timely opportunity to capture more value from the euro payments landscape while delivering smoother, cheaper, and more trustworthy payment experiences to their customers.