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Smarter payments for digital commerce

Calytics helps digital commerce businesses offer faster, safer and more reliable payments, so customers complete their purchase with confidence

Digital checkout and payment processes combining cards and pay-by-bank for online businesses

More revenue. Less fraud.

Digital commerce businesses lose revenue every day through failed transactions, fraud attempts, and unnecessary friction at checkout. Calytics helps you keep more of what you earn by making SEPA payments smoother, safer, and more reliable - without adding steps for your customers

Boost sales & conversion

Deliver smoother, faster payment experiences that reduce friction and drop-off - helping more customers complete their purchase or subscription

Lower operational cost & fees

Reduce operational and payment-related costs by improving payment efficiency, minimizing failures, and shifting transactions to more cost-effective rails

Reduce fraud & payment risk

Strengthen your payment flow with real-time verification, secure bank authentication, and intelligent risk signals - lowering fraud, disputes, and operational overhead

Our solutions

Calytics provides intelligent solutions to improve SEPA payment performance. Discover each product and how it can support your business

Mobility and transport use case representing reliable payments for on-the-go services

DebitGuard

Make SEPA Direct Debits safer. Reduce failed payments and protect your business with real-time account checks and intelligent risk signals.

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DebitGuard verifies IBANs, account status and payer risk instantly - preventing fraud, cutting return debits, and making SEPA Direct Debits more reliable for your customers.

✔ Increase conversions

✔ Reduce fraud & failed payments

✔ Lower payment & operational costs

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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

CalyticsPay

Give customers a fast, frictionless way to pay directly from their bank with instant settlement and trusted bank security.

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CalyticsPay goes beyond standard Pay by Bank by adding built-in identity and fraud checks, conversion routing, and automated post-payment operations - reducing payment costs while eliminating card fraud and chargebacks.

✔ Higher conversions

✔ Zero chargebacks & reduced fraud

✔ Lower payment & operational costs

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Pay-by-bank transaction initiated at checkout using a secure account-based payment flow

Why Calytics matters

Digital commerce grows only when payments are fast, reliable, and trusted. When they fail or introduce friction, businesses face:

Revenue loss from failed or incomplete payments

Weaker customer experience & lower repeat purchases

Weaker customer experience & lower repeat purchases

Online merchant managing orders and payments using secure pay-by-bank and SEPA solutions

How Calytics protects your revenue

Fewer failed payments

Lower fraud & payment abuse

Higher conversion, no UX friction

Lower costs & less manual work

Use cases

E-commerce

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E-commerce order fulfillment supported by reliable pay-by-bank payments and reduced checkout friction

Support smoother online purchases by improving payment reliability, reducing friction at checkout, and preventing avoidable payment issues that disrupt orders

Marketplaces

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Marketplace platform managing secure buyer payments and reliable vendor payouts

Protect marketplace transactions by ensuring buyers are legitimate, payments are reliable, and vendor payouts operate smoothly across a diverse ecosystem

D2C Brands

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Direct-to-consumer brand operations relying on secure payments to reduce losses and increase trust

Help brands reduce payment-related losses and increase customer trust through more reliable transactions and better protection against misuse or failed charges

Retail Platforms

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Large-scale retail platform enabling consistent and secure digital payment experiences

Enable large-scale retail platforms to offer consistent, secure, and user-friendly payment experiences that reduce operational overhead and support growth

Where better SEPA payment performance begins

Fully compliant open banking infrastructure built on PSD2 regulation for secure bank connections

Fully compliant

Calytics operates on fully PSD2-compliant rails, uses bank-grade authentication flows, and follows strict European security, privacy, and data-handling standards across all products

Optimized SEPA payment flows improving transaction success rates and reducing processing costs

Reliable infrastructure

API-first architecture with high availability, fast response times, 24/7 monitoring, and automated failover - designed to support large transaction volumes without performance loss

Real-time payment verification and network-based fraud prevention during digital checkout

Seamless experience

Deliver fast, intuitive payment journeys with fewer disruptions - helping you convert more shoppers and keep them coming back

Integration

Seamless integration. Zero friction.

Calytics connects to your existing payment flow through a simple API. No major process changes, no additional user steps, and no disruption to your checkout.

Calytics dashboard showing real-time IBAN verification and payment risk intelligence for SEPA payments

See how Calytics works

Integrate Calytics through one API and unlock a full suite of verification, risk, and fraud intelligence tools. Designed to fit seamlessly into your existing flow - boosting trust, efficiency, and conversion across every SEPA transaction.

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