New Strategic Partnership Between Yowpay and Akurateco Expands SEPA A2A Payments Across Europe

Luxembourg-based Yowpay, a specialist in SEPA account-to-account (A2A) payments, has entered into a strategic partnership with akurateco yowpay, a leading white-label payment platform provider for PSPs, acquirers, enterprise merchants, and banks worldwide. Together, they are bringing a fully managed SEPA transfer layer directly into Akurateco's payment orchestration environment, unlocking a powerful, low-fee alternative to card payments across Europe.

This collaboration gives payment service providers (PSPs), acquirers, and merchants an easy way to activate SEPA A2A payments as a native alternative payment method (APM) — without rebuilding their payment stack or adding operational complexity.

Why SEPA Account-to-Account Payments Matter Right Now

SEPA (Single Euro Payments Area) has become one of the cornerstones of European payments. It enables standardized euro-denominated bank transfers across participating European countries, making cross-border euro payments feel as simple as domestic ones.

Today, SEPA is already the second most used payment method in Europe, and its relevance keeps growing as:

• Consumers increasingly trust bank transfers and open banking flows for online payments.
• Merchants look for ways to reduce payment acceptance costs and card scheme dependence.
• Regulators continue to push for more competition, transparency, and efficiency in payments.

For businesses operating in euro-denominated markets — or entering the European Union for the first time — SEPA A2A payments offer a compelling mix of cost efficiency, coverage,and conversion potential. The Yowpay – Akurateco partnership is designed to make those benefits accessible in a streamlined, fully managed way.

Inside the Yowpay – Akurateco Integration

At the core of this partnership is the native integration of Yowpay's SEPA orchestration layer into Akurateco's white-label payment platform. Instead of treating SEPA as an external add-on, the integration embeds it as a first-class payment method within Akurateco's ecosystem.

Native SEPA Layer Embedded into a White-Label Platform

Akurateco provides a full-scale, white-label payment solution trusted by PSPs, acquirers, banks, and large merchants worldwide. Its platform already includes:

• Advanced payment orchestration for routing and managing multiple payment methods.
• Smart routing and cascading across different providers and acquiring channels.
• Centralized management of multiple card-acquiring MIDs.
• A wide hub of alternative payment methods (APMs).
• Merchant management tools and performance analytics.
• Secure, scalable infrastructure for international payment operations.

By embedding Yowpay's SEPA capabilities directly into this environment, Akurateco's clients can activate A2A euro payments using the same interface, workflows, and reporting tools they already know. No need to integrate yet another standalone SEPA provider or build reconciliation logic in-house.

SEPA Transfers as a Fully Managed Alternative Payment Method

Through this collaboration, SEPA transfers become a fully managed alternative payment method within Akurateco's platform. Yowpay takes care of the specialized SEPA layer, while Akurateco delivers orchestration and front-end control for PSPs and merchants.

The result is a tightly integrated experience where:

• PSPs and acquirers can add SEPA A2A to their portfolios rapidly.
• Merchants can offer SEPA bank transfers at checkout alongside cards and other APMs.
• All stakeholders benefit from lower transaction costs and improved conversion rates in euro markets.

Key Capabilities Delivered by the Partnership

The integration between Yowpay and Akurateco is not just about enabling bank transfers. It introduces a comprehensive SEPA A2A payment layer, optimized for both operational efficiency and commercial performance.

Business IBANs for Cleaner, Faster Cash Management

Yowpay provides dedicated business IBANs that can be assigned at the level of each merchant and even down to each end-customer if needed.

This structure enables:

• Clearer payment attribution without requiring manual matching.
• Faster cash allocation to the correct merchant or customer account.
• Reduced back-office workload and fewer reconciliation errors.

For PSPs and acquirers managing large merchant portfolios, business IBANs simplify settlement flows and improve overall treasury visibility.

Multiple SEPA Payment Initiation Channels

To maximize conversion and user experience, Yowpay supports several different SEPA payment initiation flows, all of which can be orchestrated inside Akurateco's platform:

• QR code payments— Customers scan a QR code from a screen or invoice to initiate a bank transfer with pre-filled details.
• Manual bank transfers— Customers receive clear payment instructions and complete the transfer via their online or mobile banking.
• Open Banking flows— Where supported, customers are redirected to their bank through secure open banking channels to authorize a SEPA transfer.

This flexibility allows merchants to adapt the payment experience to their specific context, whether it is ecommerce, B2B invoicing, subscription billing, or point of sale.

Automated Reconciliation and Reporting

One of the biggest challenges with traditional bank transfers has always been reconciliation. Yowpay addresses this through automated reconciliation and reporting tools integrated with its SEPA layer.

• Incoming transfers are automatically matched to the correct transaction or invoice.
• Status updates can be fed back into merchant systems through Akurateco's orchestration.
• Reporting dashboards help PSPs and merchants track performance and payment flows.

This removes a major operational barrier to adopting bank transfers at scale and helps businesses maintain accurate, timely financial data with far less manual effort.

Smart Routing and Modular APIs

The partnership connects Yowpay's modular SEPA API and orchestration capabilities with Akurateco's smart routing engine. This combination allows PSPs and merchants to:

• Configure routing rules that prioritize SEPA A2A where it is most cost-effective or preferred by local customers.
• Combine SEPA with cards and other APMs to optimize acceptance and conversion across markets.
• Expose SEPA as a modular building block in their own payment stacks and merchant offerings.

Because the integration is API-driven and modular, it can adapt to different business models, industries, and regions within the eurozone and broader European market.

Non-MoR Model with Direct Access to Funds

Yowpay operates under a non-merchant-of-record (non-MoR) model. This means that merchants retain direct access to their funds as SEPA transfers settle into their own accounts via business IBANs.

For many merchants, this model is appealing because it helps:

• Improve cash flow visibility and control.
• Reduce dependencies on intermediaries for payouts.
• Align SEPA flows with internal accounting and treasury structures.

How the Partnership Benefits Each Stakeholder

By combining Akurateco's white-label payment platform with Yowpay's SEPA A2A layer, the partnership delivers distinct advantages to PSPs, acquirers, enterprise merchants, and international businesses entering Europe.

Benefits for PSPs: Stronger Portfolio, Stronger Revenue

PSPs are under constant pressure to expand their payment method offering, stay competitive, and find new sources of margin. With Yowpay and Akurateco, PSPs can:

• Quickly add a complete SEPA A2A solution to their white-label stack.
• Offer low-fee, real-time compatible euro payments as an alternative to cards.
• Monetize SEPA-based C2B and B2B payment flows.
• Onboard new merchant segments that prefer bank transfers or have higher sensitivity to card fees.

Because the SEPA layer is fully managed by Yowpay, PSPs can grow their A2A business without taking on disproportionate operational or technical overhead.

Benefits for Acquirers: New SEPA-Driven Revenue Streams

For acquirers, the integration opens additional non-card revenue streams. SEPA transfers processed via Yowpay can complement existing card acquiring services, helping acquirers:

• Diversify income beyond traditional interchange and acquiring fees.
• Support merchant demand for lower-cost payment methods.
• Capture volume in segments where A2A is already the customer preference.

By offering a modern SEPA solution through Akurateco's platform, acquirers can also strengthen their value proposition when pitching to digital-first merchants and PSP partners.

Benefits for Enterprise Merchants: Lower Fees, Higher Conversion

Enterprise merchants, especially those with significant euro-denominated volume, feel the impact of payment costs and conversion rates directly on their bottom line. With Yowpay and Akurateco, they can:

• Introduce SEPA transfers as a prominent payment option at checkout.
• Reduce dependency on card schemes and associated fees.
• Improve checkout conversion in markets where SEPA is already a familiar and trusted method.
• Automate reconciliation and settlement processes, minimizing back-office work.

Whether they are selling to consumers or other businesses, merchants benefit from a more flexible and cost-optimized payment stack that still delivers a smooth user experience.

Benefits for International Merchants Entering the EU

For global merchants expanding into Europe, local payment preferences and regulatory requirements can be challenging. The Yowpay – Akurateco partnership offers a way to:

• Quickly activate euro-denominated SEPA payments through a single integration.
• Leverage compliant, scalable infrastructure tailored to European payment norms.
• Tap into SEPA, the second most used payment method in Europe, from day one.

This shortens time to market, reduces internal complexity, and ensures a competitive payment offering for European customers.

Feature Overview at a Glance

Example Use Cases Across European Commerce

1. A PSP Expands Its APM Portfolio in Euro Markets

A regional PSP serving online merchants in several eurozone countries wants to strengthen its position by adding bank-based payment methods. By leveraging Akurateco's platform with Yowpay's SEPA integration, the PSP can:

• Offer SEPA A2A payments alongside cards and digital wallets.
• Route transactions intelligently based on merchant preference and cost.
• Provide merchants with automated reconciliation reports out of the box.

This not only makes the PSP more attractive to new merchants, but also increases stickiness with existing clients who now have a richer, more flexible payment setup.

2. An Enterprise Merchant Reduces Card Costs

A large ecommerce retailer with strong traffic in eurozone markets faces rising card processing costs. By turning on SEPA via the Yowpay – Akurateco integration, they can:

• Promote SEPA transfers as a preferred payment option at checkout.
• Encourage cost-effective A2A payments without sacrificing user experience.
• Maintain full visibility on funds thanks to business IBANs and a non-MoR model.

Over time, shifting a portion of volume from cards to SEPA can deliver significant savings while maintaining or even improving conversion in SEPA-friendly markets.

3. A B2B Platform Streamlines Invoice Payments

A B2B marketplace dealing primarily in euro-denominated invoices wants to simplify how buyers pay and how sellers receive funds. With Yowpay's SEPA layer orchestrated through Akurateco, the platform can:

• Generate QR codes or clear bank details for each invoice.
• Use dedicated business IBANs to track which buyer paid which seller.
• Rely on automated reconciliation instead of manual matching.

The result is a smoother experience for both sides of the marketplace and a far more efficient operational setup for the platform itself.

A Future-Ready Payment Stack for European Commerce

The partnership between Yowpay and Akurateco is more than a technical integration. It represents a strategic shift toward bank-based, cost-efficient payments embedded within a modern orchestration framework.

Together, the two companies provide a payment stack that is:

• Resilient— By diversifying away from card-only setups and embracing SEPA A2A.
• Scalable— Built on white-label, API-driven infrastructure capable of supporting high volumes across many merchants and geographies.
• Monetizable— Opening new revenue channels for PSPs and acquirers through SEPA-based flows.
• Conversion-focused— Aligning payment methods with what European customers already trust and use.
• Operationally efficient— Thanks to automated reconciliation, business IBANs, and integrated reporting.

For PSPs, acquirers, and merchants looking to grow in euro-denominated markets, the Yowpay – Akurateco partnership delivers a powerful, future-ready answer: a modern SEPA A2A payment layer, fully managed, embedded, and ready to drive both conversion and profitability across Europe.