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Empowering secure SEPA payments

Secure, compliant SEPA payments powered by real-time verification, risk intelligence, and reliable pay-by-bank flows

Business and technology use cases showing how Calytics secures digital payments with real-time verification

We enable intelligent, secure, & efficient SEPA payments

Financial institutions, PSPs, and fintech platforms rely on accurate, secure, and compliant payment flows. Calytics strengthens your SEPA operations with real-time verification, AI-driven risk intelligence, and reliable pay-by-bank infrastructure

Stronger merchant offering

Deliver smoother, more reliable account-to-account payments across your entire portfolio - helping your merchants reduce friction, improve success rates, and strengthen their customer experience

Lower cost & fees

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

Enhanced risk & compliance

Strengthen your SEPA payment flows with real-time verification, secure bank authentication, and intelligent risk signals - lowering fraud, disputes, and compliance 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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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

Financial service providers operate in high-stakes payment environments where performance, compliance, and merchant expectations intersect. This creates growing challenges:

Fraud exposure across multiple merchant verticals

Inconsistent payment outcomes across portfolios

Growing fees & workload from failed or disputed payments

Merchant churn driven by unstable payment performance

Increasing scrutiny from card schemes and regulators

Digital user interacting with secure online services in a modern payment environment

How Calytics protects your revenue

Expand your payment offering

Reduce network-wide fraud exposure

Accelerate merchant onboarding

Improve merchant retention

Reduce operational workload

Use cases

PSPs & Payment Processor

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Payment processing infrastructure enabling stable and predictable SEPA payment performance at scale

Enhance your SEPA offering with more stable, predictable payment performance - helping your merchants reduce failures, lower costs, and deliver smoother customer experiences across all payment flows

FinTech Apps & Wallets

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FinTech app using a reliable SEPA backbone for secure deposits, payouts, and account funding

Power safer deposits, payouts, and account funding with a more reliable SEPA backbone - improving trust, reducing friction, and supporting cleaner, more scalable user journeys

Embedded Platforms

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Embedded payment journeys supported by dependable SEPA infrastructure and low failure rates

Support embedded payment journeys with a more dependable SEPA infrastructure - ensuring seamless transactions, lower failure rates, and friction-free experiences across diverse end-user touchpoints

BaaS Providers

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Banking-as-a-Service platform strengthening payment layers with consistent SEPA quality and visibility

Strengthen your platform’s payment layer with consistent SEPA quality, portfolio-wide visibility, and reduced operational overhead - enabling your partners to launch and scale financial products with confidence

Commerce Platforms

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Commerce platform ensuring reliable checkout and settlement through secure SEPA payment flows

Enable a stronger SEPA payment experience across your entire merchant base - reducing payment failures, lowering support effort, and improving conversion for platform-wide checkout flows

More reliable SEPA payment performance

Simple API-based payment integration enabling fast setup without changes to existing checkout flows

Fully compliant

Built on PSD2-licensed and regulated open-banking infrastructure, ensuring secure bank connections without extra compliance work for you

Real-time IBAN verification using bank signals to assess account validity and payment risk in the background

European Bank Coverage

One API connects you to thousands of banks across Europe, monitored 24/7 for maximum availability

AI-driven fraud intelligence combining real-time risk scoring with shared payment fraud signals across merchants

Unbeatable security

By moving from card rails to verified A2A, you reduce transaction fees and settlement latency

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 displaying 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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