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SEPA (Single Euro Payments Area) refers to a single euro payments area, the aim of which is to harmonise means of payment (direct debit, payment, bank card) in 36 European countries and territories. SEPA was developed by the EPC (European Payment Council), which brings together European banks and their respective federations. This initiative was born … Continued

Instant Payment is a new European means of payment, available to individuals and businesses from 2018 onwards, which enables instant bank transfers (approximately 10 seconds). Instant Payment is a project that has involved many European institutions since 2015, including the European Retail Payment Board (ERPB), the European Payment Council (EPC) and the European Banking Authority … Continued

E-money facilitates the emergence of new payment solutions and may soon replace more expensive means of payment. The European Parliament and the Council adopted Directive 2009/110/EC of 16 September 2009 to foster the development of electronic money. This new legislation, which will be transposed into French law in 2013, puts an end to banks’ monopoly … Continued

The Know You Customer procedure is one of the measures put in place as a result of European directives. It is mandatory for banks and electronic money institutions such as Treezor. Payment supervision and responsibilities of payment service providers A licensed electronic money institution offers the possibility to store money, but also to carry out … Continued

Contactless payment is a fast payment method that allows you to pay for a purchase with your CB or smartphone without having to enter a secret code or signature. Thanks to NFC (Near Field Communication) technology, you can now do without traditional card readers, which required to be connected to a fixed telephone line to … Continued

The SDD Core Direct Debit applies to all payers and is mandatory for banks in the SEPA zone. Introduced on 1 August 2014, the SEPA Direct Debit does not pass through the bank card networks but is made from bank to bank, which reduces transaction costs. The SDD Core Direct Debit applies to all payers and … Continued

The SCT (SEPA Credit Transfer) was launched in January 2008, with the aim of replacing national credit transfers within the SEPA zone. The transition to SEPA strengthens the single market and facilitates the development of trade in Europe. Indeed, the SEPA Credit Transfer is based on the harmonisation of money transfers in terms of pricing, … Continued

The SEPA business-to-business direct debit, also known as SEPA B2B or SDD B2B, is intended for professionals. It enables a single or regular euro invoice to be paid in euros, with no upper limit on the amount, to a creditor within the SEPA zone, and to set up a payment schedule if necessary. Since 1 … Continued

The SEPA Creditor Identifier (SCI) is necessary and mandatory for a company to collect direct debits from its creditors in the SEPA area. The SCI is a unique and unchangeable number that identifies the issuer of the direct debit. Definition of the SEPA Creditor Identifier The SEPA Creditor Identifier is a unique and mandatory reference … Continued

Discover the main missions and the role played by BIN Sponsorship companies, such as Treezor, to support their customers in their payment card issuing project. What is BIN Sponsorship? On a credit card is usually 13 to 16 digits, called the PAN (Primary Account Number), which correspond to the customer’s account number. It represents a … Continued

Marketplaces have become key players in e-commerce: wide choice of multi-brand products, competitive prices… A short reminder of the essential information and the next legal framework that will surround the online payment of Marketplaces. A sales model in full boom The Marketplace is a platform for sales, services or announcements. Its objective: to put a … Continued