Calytics provides SEPA payment and risk intelligence solutions for merchants and payment service providers. We focus on improving the reliability, security, and efficiency of bank-based payments across the SEPA region. CalyticsPay enables Pay by Bank (account-to-account) payments. Customers pay directly from their bank account using Strong Customer Authentication, without cards or intermediaries. Payments settle instantly and without chargebacks, offering a secure and cost-efficient alternative to card payments. Calytics DebitGuard is a risk intelligence solution for SEPA Direct Debit. It uses real-time account verification, ownership checks, and shared fraud intelligence across merchants to assess risk before a debit is initiated. This helps reduce failed payments, fraud, and return debits. Calytics also supports Direct Debit operations such as mandate management and collections. Calytics integrates via API and helps businesses reduce payment failures, fraud, and operational effort across SEPA payment flows.

Calytics is built for PSPs, platforms, and online merchants that either process SEPA payments at scale or want to introduce SEPA payments. Typical customers operate in regulated or high-volume environments and want to reduce payment failures, fraud, and operational effort.

Calytics is a technical payment and risk platform. We are not a bank or PSP. Pay by Bank payments are enabled through regulated partners, while Calytics provides the integration and intelligence layer. DebitGuard runs fully in the background, adding risk scoring for SEPA Direct Debit with zero customer friction.

No. Customers do not need to create an account, install an app, or download any software. For Pay by Bank, customers simply select their bank and authenticate using their existing online banking credentials via Strong Customer Authentication. For SEPA Direct Debit, all checks run in the background without any additional steps for the customer. Payments and verification happen using the customer’s existing bank setup, keeping the experience simple and frictionless.

Calytics integrates via API into existing payment flows and does not require replacing your current PSP or banking setup. Both CalyticsPay and DebitGuard are designed to plug into checkout, payment routing, or backend processes with minimal changes, working alongside your existing providers.

Integration is typically fast. Most customers go live within a few days to a couple of weeks, depending on the use case and setup. We provide sandbox access, clear API documentation, and technical support to ensure a smooth and efficient rollout.

Yes. CalyticsPay (Pay by Bank) and Calytics DebitGuard (SEPA Direct Debit risk scoring) can be used independently or combined, depending on your payment strategy and use case.

Yes. Calytics works closely with PSPs, platforms, and partners. Our solutions can be embedded, white-labeled, or offered as value-added services to merchants.