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Real-time SEPA Direct Debit verification - with zero user friction
DebitGuard enables merchants and PSPs to reduce failed SEPA Direct Debits, prevent fraud, and improve collection rates through instant account checks via live bank signals and our shared payment intelligence. All automated in the background - no additional UX steps, no checkout friction
Stop fraud & defaults
We detect risks & stop invalid payments in advance
✔ Instant checks via bank signals
✔ Check against Fraud Intelligence
✔ Risk scoring against default risks
Lower costs
Avoid return debits & expensive manual rework
✔ No penalty fees from the bank
✔ Reduced support effort
✔ Saves approx. 10-15€ per error
Zero friction for users
Maximum security that runs 100% invisibly in the background
✔ No pop-ups or hurdles
✔ Runs completely in the background
✔ Increases trust & conversion
Total impact per failed Direct Debit
+5-8€
due to external payment fees
+5-10€
due to internal handling & support effort
+XX€
lost revenue & acquisition costs
= >10-15€
financial impact excl. lost revenue & acquisition costs
Failed SEPA Direct Debits are expensive - fees, handling effort, lost revenue, and reputational impact. The costs above reflect what most merchants face before using DebitGuard.
Why DebitGuard
SEPA Direct Debit is "blind" until settlement. DebitGuard changes that:
Prevent fraudulent or invalid IBANs
Reduce costly return debits (incl. “insufficient funds” returns)
Lower operational workload
Improve user trust & conversion
Works silently in the background - no UX impact
Go live quickly with one simple API
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How it works?
Calytics integrates seamlessly into your existing payment ecosystem - delivering smarter, safer SEPA transactions from day one.
API Request
Merchant sends the IBAN and basic transaction data to Calytics for real-time evaluation
1
Instant Verification
We validate the IBAN, check account assignability, and analyze bank & risk signals within milliseconds
2
Shared Fraud Intelligence Match
The request is compared against Calytics’ shared fraud intelligence to detect repeat offenders and suspicious patterns
3
Risk-Score
DebitGuard returns an instant recommendation - Approve, Block, or Review - before the debit is executed
4
Industry solutions
One integration, many connections
Real-time insight where it matters most - before the money moves. Our DebitGuard product enables real-time verification with enriched data from our Shared Fraud Intelligence platform with zero UX friction and no changes to your payment flow
SEPA countries
36
Time to verify in sec
<1
API-integration
1
Stop failed Direct Debits before they happen
Fast, simple integration
Integrate via a single API. No UX impact. No process changes. Go live in days & see ROI from day 1
Real-time verification
Validate IBAN structure, existence, assignability, and risk signals instantly via bank signals - fully automated in the background
AI-driven Calytics Fraud Intelligence
AI-driven risk scoring enriched with our proprietary Calytics Fraud Intelligence, a shared fraud database for cross-merchant fraud detection
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