Accelerate your Payment Processes

📘

The Xpollens solution enables real-time processing of incoming, outgoing and intra-company payments.

It provides a fully  API-based infrastructure, including a personalised structure of payment accounts in your company’s name, with full connectivity to the European SEPA payment network.

Payment Accounts tailored to your needs

To receive and send payments, a euro payment account with an IBAN is opened in your company’s name after KYB verification. This account is fully controllable via API. You have real-time visibility to incoming transactions and can initiate outgoing payments to third-party accounts.

You can create multiple accounts to separate flows by activity, payment method, or direction, all clearly visible in your🔗Bank Statement

You can manage your funds  internally and instantly using instant transfers between your accounts:

🔗 Internal transfer method

Virtual IBAN

👍

You can generate and assign virtual IBANs to your clients -- for example, via email or an invoice. Each virtual IBAN is linked to a payment account at Xpollens and to your client in your internal systems.

🔗Virtual Iban Management

When funds are received on your payment account, you are notified in real time via callback.

🔗WebHook Manager

This enables immediate reconciliation and settlement of your client’s payments.Our solution supports euro SEPA and instant payments. Multi-currency reconciliation via international networks is currently being developed—please contact us for further details.

PayIN

👍

Each incoming payment —whether SEPA Credit Transfer (SCT), SEPA Direct Debit (SDD Core or B2B), or Instant SEPA—triggers a real-time notification:

🔗 PayIn methods

This allows you to  automate internal flows, depending on your sector and use case.

PayOUT

Your systems can trigger outgoing payments to suppliers, clients or partners using the  Xpollens API in real time.

These payments may be SEPA Credit Transfers (SCT), SEPA Direct Debits (SDD B2B) or Instant Payments (IP) .

🔗PayOut methods

Subscription Payment management

📘

Xpollens supports a range of payment methods to build and manage recurring billing flows adapted to your subscription-based model.

SDD CORE and B2B

You can automate payments from both individual and professional clients by using SEPA Direct Debits:

• SDD Core: Use your own Creditor Identifier (ICS) to manage mandates. Once the mandate is signed (or migrated), you can trigger recurring collections directly to your payment account: 🔗SEPA Direct Debit Mandates
• Error Handling: SDD Core may involve errors or refunds. Xpollens provides real-time details to help you quickly retry or switch to another payment method: SEPA Direct Debit
• SDD B2B: For business clients, SDD B2B offers stronger guarantees and lower refund risks, improving success rates.

Virtual IBAN and Instant Payment/SEPA classic

If your  customers (especially professionals and businesses) refuse direct debits or encounter issues, you can create and send them a virtual IBAN  by email or on an invoice. It is linked to your Xpollens account and your client in your own system. Once the payment is received, you are notified in real time through a callback, allowing you to confirm and reconcile the transaction.

🔗 Account management

All subscription payment solutions are available in euros and support direct debit and IP/SEPA payments across the SEPA zone.

🔗PayIn methods

Funds availability of funds and Accounting reports

👍

Funds are available immediately upon receipt in your account. You are notified of payment status in real time via our callbacks enabling accurate and efficient treasury management : 

🔗 WebHook Manager

Daily standard ISO 20022 accounts statements to synchronise your accounting system.

🔗Account management

Tracking and Managing of your activity

You can track and manage your activity via our WebDesk made available to you and presented here :

🔗 Back Office WebApp