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

SEPA account-to-account payments are rapidly becoming a cornerstone of European digital commerce. To help payment service providers (PSPs), acquirers, and enterprise merchants fully capitalize on this shift, Yowpay and Akurateco have formed a strategic akurateco yowpay partnership that puts SEPA transfers at the heart of modern payment orchestration.

By integrating Yowpay’s SEPA orchestration layer natively into Akurateco’s white-label payment platform, the partnership enables businesses to activate SEPA transfers as a fully managed alternative payment method (APM) directly within their existing environment. The result is a powerful blend of lower payment costs, higher euro checkout conversion, and new monetization opportunities across the payment value chain.

Why SEPA A2A Payments Matter More Than Ever

The Single Euro Payments Area (SEPA) has transformed how money moves in Europe. SEPA account-to-account (A2A) transfers allow consumers and businesses to send and receive euro payments quickly and efficiently between participating banks across the region.

Today, SEPA is already the second most used payment method in Europe, and its importance continues to grow as:

• Consumers increasingly trust bank transfers and Open Banking flows for everyday and high-value purchases.
• Merchants seek to reduce their dependency on traditional card schemes and card interchange fees.
• PSPs and acquirers look for differentiated APM portfolios to win and retain merchants.

However, building SEPA A2A payments in-house can be complex. It involves handling bank integrations, multiple initiation flows, reconciliation, compliance, and operational workflows. This is exactly where the Yowpay and Akurateco partnership creates value.

About Yowpay: SEPA A2A and Orchestration, Built in Luxembourg

Yowpay is a Luxembourg-based SaaS specialist focused on SEPA account-to-account payments and payment orchestration. The company is dedicated to helping businesses optimize euro-denominated payment acceptance through a modular, API-driven SEPA stack.

Key capabilities of the Yowpay platform include:

• Business IBANs for each merchant and/or customer, enabling clear identification of incoming transfers and streamlined operational flows.
• Multiple SEPA payment initiation channels, including QR code payments, manual bank transfers, and Open Banking flows, so merchants can adapt to different customer preferences.
• Automated reconciliation and reporting, which drastically reduces manual back-office work and speeds up cash allocation.
• Support for both low-risk and high-risk merchant categories, helping PSPs and acquirers expand the range of businesses they can serve.
• Non-MoR model with direct access to funds, meaning Yowpay does not act as Merchant of Record and merchants receive funds directly from their customers.
• Modular SEPA API that integrates seamlessly into existing payment and financial infrastructures.

With these features, Yowpay allows organizations to reduce operational effort, improve cash flow speed, and confidently scale SEPA-based payment acceptance across the eurozone.

About Akurateco: A White-Label Payment Platform for Global Growth

Akurateco provides a full-scale white-label payment platform used by PSPs, enterprise merchants, and banks around the world. Its technology gives payment companies the tools they need to centralize and optimize their payment operations without compromising on flexibility or control.

Core strengths of Akurateco’s platform include:

• Advanced payment orchestration that unifies multiple acquirers, payment methods, and payment flows in a single, manageable layer.
• Smart routing and cascading to increase approval rates, decrease failed transactions, and optimize payment costs.
• Centralized management of multiple card-acquiring MIDs, giving PSPs and merchants a single pane of glass for complex multi-acquirer setups.
• A wide hub of alternative payment methods (APMs), allowing businesses to localize payments and respond quickly to consumer preferences in different markets.
• Merchant management tools and performance analytics to monitor risk, track conversions, and make data-driven decisions.
• Secure infrastructure designed for international payment operations and regulatory requirements.

This flexible architecture enables PSPs and banks to scale globally while maintaining full control over risk management, routing logic, reporting, and merchant lifecycle management.

The Partnership: Native SEPA Orchestration Inside Akurateco

The strategic collaboration between Yowpay and Akurateco natively embeds Yowpay’s SEPA orchestration layer into Akurateco’s white-label platform. This means that Akurateco clients can activate SEPA transfers as a fully managed APM with minimal effort and no need to re-architect their systems.

In practice, this integration delivers:

• Instant access to SEPA A2A payments for PSPs, acquirers, and enterprise merchants already using Akurateco.
• Unified management of SEPA transfers alongside cards and other APMs within the same interface and orchestration rules.
• Streamlined onboarding, as SEPA capabilities can be switched on and configured using existing Akurateco flows and tools.

The result is a combined solution that is greater than the sum of its parts: Yowpay brings deep SEPA expertise and automation, while Akurateco contributes smart routing, merchant management, and a robust APM hub.

Key Benefits of the Yowpay & Akurateco Integration

The partnership is designed to create clear, measurable value for payment companies and merchants. Below is a breakdown of the main benefits.

1. Expanded APM Portfolio with a Complete SEPA Layer

By adding Yowpay’s SEPA A2A payment capabilities, Akurateco significantly enriches its APM hub. PSPs and acquirers can now offer a fully managed SEPA transfer option to their merchants without building or maintaining the underlying banking and reconciliation infrastructure.

This expanded portfolio helps payment providers:

• Win new merchants that explicitly request SEPA transfers as a primary checkout method.
• Offer more localized and trusted payment experiences in eurozone markets.
• Position themselves as forward-looking providers with a strong A2A strategy.

2. Cost-Efficient Alternative to Card Payments

SEPA transfers typically involve lower fees than card schemes, especially for high-ticket or recurring payments. Combined with the orchestration capabilities of Akurateco, Yowpay’s SEPA layer gives merchants access to low-fee, real-time compatible euro payments that reduce overall payment costs.

Benefits for merchants include:

• Lower total cost of payment acceptance, particularly for euro transactions.
• Reduced exposure to interchange fees, chargeback costs, and scheme-related expenses.
• Improved profitability on each transaction, freeing up budget for growth initiatives.

3. Higher Conversion Rates for Euro Checkouts

Because SEPA transfers are widely adopted and trusted, they can significantly improve checkout conversion in markets where bank transfers are a preferred method.

The integration helps merchants:

• Offer familiar SEPA A2A flows at checkout, reducing friction and hesitation.
• Reduce cart abandonment by giving customers multiple initiation options such as QR payments, manual transfers, or Open Banking flows.
• Leverage Akurateco’s smart routing to fall back to other methods when needed, maximizing overall acceptance.

4. New Revenue Opportunities for PSPs and Acquirers

For PSPs and acquirers, SEPA A2A payments are not just a cost-saving tool for merchants; they are also an engine for new revenue streams.

With the Yowpay and Akurateco partnership, payment providers can:

• Monetize SEPA-based C2B and B2B payment flows through competitive fee structures.
• Onboard new merchant segments that prefer or require A2A payments, including sectors where card usage is limited or less efficient.
• Cross-sell SEPA A2A to their existing card-focused portfolio, strengthening customer relationships and increasing share of wallet.

5. Automated Reconciliation and Operational Efficiency

One of the biggest challenges of traditional bank transfers is manual reconciliation. Yowpay addresses this with automated reconciliation and reporting tied to dedicated business IBANs and intelligent payment identifiers.

When combined with Akurateco’s centralized management capabilities, this automation helps businesses:

• Reduce manual back-office workload and errors.
• Access accurate, real-time reporting on payment status and cash positions.
• Speed up settlement and financial closing processes.

6. Non-MoR Model and Direct Access to Funds

Yowpay operates a non-Merchant-of-Record (non-MoR) model, meaning that merchants maintain a direct relationship with their end customers regarding funds. This setup can be attractive for businesses that:

• Want direct settlement of funds to their own bank accounts.
• Prefer transparent, bank-to-bank transfers with clear ownership of payment flows.
• Need to align payment processes tightly with their own compliance and accounting policies.

How the Combined Solution Works in Practice

The integration is designed to feel natural to existing Akurateco users while discreetly leveraging Yowpay’s SEPA orchestration capabilities in the background.

Step-by-Step Overview

1. Activation: A PSP, acquirer, or merchant working with Akurateco requests SEPA A2A as a payment option. Yowpay’s services are enabled through the Akurateco platform, without the need for a separate core integration project.
2. Configuration: Payment flows, routing rules, and risk parameters are set up in Akurateco to determine when and how SEPA transfers are offered at checkout.
3. Checkout Experience: End customers see SEPA transfer options (including QR, manual bank transfer, or Open Banking flows) alongside cards and other APMs.
4. Processing: Yowpay orchestrates the end-to-end SEPA A2A transaction, from initiation to settlement, while Akurateco tracks the status centrally and applies its usual orchestration logic.
5. Reconciliation and Reporting: Yowpay automates reconciliation at the payment level, and Akurateco surfaces unified reporting so that PSPs, acquirers, and merchants retain full visibility of their performance.

Who Benefits Most from the Yowpay & Akurateco Partnership?

While the combined solution is broadly applicable, several profiles stand to gain particular value from native SEPA A2A integration.

European Merchants Focused on Euro Payments

Merchants that primarily process euro-denominated transactions can use SEPA A2A as a core payment method, not just an add-on. They gain:

• Lower transaction costs compared to a fully card-based model.
• Higher conversion rates with a payment experience aligned to local habits.
• Faster and more transparent reconciliation and cash management.

PSPs Expanding Their APM Portfolios

PSPs that want to differentiate in crowded markets can position themselves as reliable partners for SEPA-based strategies. They benefit by:

• Offering merchants a comprehensive mix of cards, wallets, and A2A payments through one unified platform.
• Reducing time-to-market for SEPA capabilities by relying on Yowpay’s specialized orchestration layer.
• Using Akurateco’s merchant management tools to scale SEPA adoption across their portfolio.

Acquirers Seeking Additional Revenue Streams

For acquirers, the partnership opens the door to new SEPA-based revenue channels without heavy upfront investment. They can:

• Serve more merchant categories, including those that rely heavily on bank transfers.
• Bundle SEPA A2A products with existing acquiring services to deepen client relationships.
• Leverage Akurateco’s analytics to identify where SEPA offers the strongest uplift in conversion or margin.

International Merchants Entering the EU Market

Global brands expanding into Europe often face fragmented payment preferences across countries. With the Yowpay and Akurateco integration, they can:

• Adopt a pan-European SEPA A2A strategy that works across the eurozone.
• Rely on a modern, compliant payment stack tailored to EU regulations and banking standards.
• Combine SEPA transfers with other local APMs orchestrated through a single platform.

Value at a Glance

The table below summarizes how the main features of the integration translate into business value.

A Future-Ready Payment Stack for European Commerce

The strategic partnership between Yowpay and Akurateco is more than a feature update; it is a step toward a future-ready payment stack built around bank-based payments, intelligent orchestration, and operational efficiency.

Together, the companies provide a resilient and scalable architecture designed for:

• European merchants processing euro-denominated payments at scale.
• PSPs expanding their payment method portfolios with high-impact, low-cost A2A options.
• Acquirers seeking additional revenue streams beyond traditional card acquiring.
• International merchants entering the EU market with a need for a robust, compliant, and modular payments layer.

By combining Yowpay’s SEPA specialization with Akurateco’s orchestration and white-label platform, businesses gain access to a modern infrastructure that keeps pace with the evolving needs of European commerce and the growing importance of account-to-account payments.

For payment providers and merchants alike, this partnership represents a powerful opportunity to modernize euro payments, unlock new revenue, and deliver seamless customer experiences across the SEPA region.