Yowpay and Akurateco Join Forces to Unlock Scalable SEPA A2A Payments Across Europe

The European payments landscape is moving rapidly toward account-to-account (A2A) experiences, tighter margins, and smarter orchestration. In this context, akurateco yowpay have formed a strategic partnership that gives payment service providers (PSPs), acquirers, and enterprise merchants a powerful new way to activate SEPA transfers as a fully managed alternative payment method (APM) inside their existing payment stacks.

By natively integrating Yowpay’s SEPA orchestration layer into Akurateco’s white-label payment platform, the collaboration unlocks business IBANs, multiple SEPA initiation options, automated reconciliation, a non-merchant-of-record (non-MoR) model with direct funds access, and smart routing for euro-denominated flows. The outcome is a markedly more efficient, conversion-focused, and scalable payment infrastructure tailored for European growth.

Why This Partnership Matters for European Payments

SEPA is already one of the most widely used payment methods in Europe. As consumers and businesses embrace bank-to-bank transfers and Open Banking experiences, A2A payments are becoming a strategic priority for PSPs, acquirers, and merchants that want to:

• Reduce dependency on traditional card schemes.
• Cut payment processing costs and protect margins.
• Improve checkout conversion and reduce abandonment.
• Standardize euro-denominated payments across multiple markets.

The Yowpay–Akurateco partnership directly answers these needs by making SEPA transfers as easy to deploy and manage as any other APM on Akurateco’s white-label platform. Instead of building complex SEPA infrastructure internally, PSPs and merchants can tap into a ready-made orchestration layer purpose-built for European A2A payments.

Who Are Yowpay and Akurateco?

Yowpay: SEPA A2A and Orchestration Specialist

Yowpay is a Luxembourg-based SaaS company focused exclusively on SEPA account-to-account payments and payment orchestration. Its technology is designed to help businesses accept, route, and reconcile euro payments with maximum efficiency.

Key capabilities of the Yowpay platform include:

• Business IBANs dedicated to each merchant and, where needed, to each end customer, simplifying reconciliation and cash allocation.
• Multiple SEPA initiation channels including QR-based payments, traditional manual transfers, and Open Banking flows.
• Automated reconciliation and reporting that map incoming transfers to the correct orders and customers, reducing operational workload.
• Support for both low-risk and high-risk merchant categories within a compliant SEPA framework.
• A non-MoR, direct-funds model where merchants have direct access to their money rather than relying on an aggregated merchant-of-record structure.

With a modular SEPA API and strong reconciliation tools, Yowpay is built to accelerate cash flow, minimize manual back-office work, and optimize A2A payment acceptance in the eurozone.

Akurateco: White-Label Payment Platform for Global PSPs and Banks

Akurateco provides a full-scale white-label payment platform used by PSPs, acquirers, enterprise merchants, and banks worldwide. Its technology is designed to centralize and orchestrate a wide range of payment methods, processors, and merchant accounts from a single control layer.

Akurateco’s payment stack offers:

• Advanced payment orchestration to manage complex routing and processing logic across providers and payment methods.
• Smart routing and cascading to maximize approval rates while keeping costs in check.
• Centralized management of multiple card-acquiring MIDs across regions and providers.
• A wide hub of alternative payment methods (APMs) to meet local customer preferences.
• Merchant management tools and analytics for performance monitoring, risk oversight, and lifecycle management.
• Secure, compliant infrastructure designed for international payment operations.

With a flexible, white-label architecture, Akurateco enables PSPs and banks to scale quickly in new markets while retaining full control over branding, risk management, routing strategies, and merchant relationships.

What the Native Integration Delivers

The partnership connects Yowpay’s SEPA orchestration layer directly into Akurateco’s platform. This means that for PSPs, acquirers, and merchants, SEPA A2A payments become a plug-and-play option inside the same environment they already use for cards and other APMs.

Through this integration, Akurateco’s ecosystem gains:

• SEPA transfers as a fully managed APM that can be switched on inside existing payment flows.
• Business IBANs assigned at the merchant level, and optionally per customer or use case, simplifying incoming payment tracking.
• Multiple SEPA initiation options such as QR codes, manual bank transfers, and Open Banking-based flows.
• Automated reconciliation and reporting that match incoming euro transfers to orders and invoices with high accuracy.
• A non-MoR direct-funds model where funds settle directly to merchant-controlled accounts.
• Smart routing of SEPA transactions as part of broader orchestration strategies, ensuring optimal path selection per transaction.

All of this is available without requiring PSPs or merchants to build or maintain their own SEPA infrastructure. Yowpay handles the SEPA complexity; Akurateco provides the orchestration and presentation layer; and clients benefit from a seamless, integrated experience.

How It Works in Practice

While the technical setup is handled by Akurateco and Yowpay, the merchant and PSP experience can be summarized in a few simple steps:

1. The PSP or acquirer enables Yowpay’s SEPA A2A option in Akurateco’s configuration for selected merchants.
2. Merchants add SEPA transfers as an additional payment option in their checkout or billing flows.
3. At checkout, customers choose SEPA transfer and are offered the most convenient initiation method (QR, manual transfer instructions, or an Open Banking flow).
4. The customer authorizes or initiates the transfer directly from their bank account to the merchant’s dedicated business IBAN.
5. Yowpay and Akurateco automatically reconcile the incoming payment with the correct order, while the merchant and PSP see the status in their usual dashboards.

The result is an A2A payment experience that feels streamlined for the customer, while remaining operationally light for merchants and PSPs.

Key Benefits for PSPs, Acquirers, and Merchants

The integration is engineered to deliver measurable business outcomes across three main stakeholder groups: PSPs, acquirers, and merchants. The table below highlights how each group benefits.

Expanded APM Portfolio with a Strong SEPA A2A Layer

Akurateco already aggregates a broad selection of APMs. By integrating Yowpay’s SEPA capabilities, its clients now gain a full-featured A2A rail that is:

• Natively embedded in the same orchestration engine that powers cards and other APMs.
• Fully managed by Yowpay, removing the burden of building and maintaining SEPA infrastructure.
• Ready to deploy for PSPs and merchants that want to activate SEPA quickly across multiple European markets.

This expanded APM line-up helps PSPs and acquirers respond to merchant demand for more local, bank-based payment methods, without lengthening project timelines or stretching internal resources.

Lower Fees Compared to Card Schemes

Cost efficiency is a central driver in the shift to A2A payments. Traditional card schemes often involve multiple fee components and layers of intermediaries. By contrast, SEPA A2A transfers typically follow a more streamlined cost structure.

With the Yowpay–Akurateco integration, merchants gain access to low-fee, SEPA-based euro payments that can help:

• Reduce overall payment acceptance costs by moving suitable volumes from cards to SEPA transfers.
• Protect margins in industries with tight unit economics or high transaction volumes.
• Enable more competitive pricing or better customer incentives thanks to savings on processing costs.

Because the solution is deeply integrated into an orchestration platform, merchants and PSPs can gradually rebalance their payment mix, steering transactions to SEPA when it offers a better cost-to-performance ratio while still keeping cards available where needed.

Higher Checkout Conversion Across Eurozone Markets

In many European countries, SEPA transfers are familiar, trusted, and widely used in both consumer and business contexts. Giving customers a bank-to-bank option they recognize can be a powerful conversion lever.

The partnership supports higher checkout performance by combining:

• Local payment preferences via SEPA transfers, which are already a dominant method across the eurozone.
• Multiple initiation flows (QR, manual, Open Banking) to match the customer’s preferred way of paying.
• Smart routing logic that ensures the most suitable path is used, helping reduce declines and abandoned transactions.

For merchants, this means fewer lost baskets, especially in markets where customers are comfortable executing transfers directly from their bank accounts. For PSPs and acquirers, it translates into stronger performance metrics and better merchant retention.

New Monetization Opportunities for PSPs and Acquirers

Beyond cost savings and conversion, the Yowpay–Akurateco collaboration opens up new revenue opportunities around SEPA-based flows.

PSPs and acquirers can:

• Monetize SEPA C2B and B2B payments by adding value-added services on top of the A2A rail.
• Onboard new merchant categories that are more aligned with bank transfer payments than cards.
• Differentiate their offering by delivering a robust SEPA stack alongside traditional card acquiring.

Because the solution is delivered via a white-label platform, PSPs and acquirers keep full control over pricing, bundling, and go-to-market strategies. Yowpay and Akurateco provide the underlying technology; partners build the commercial models that best fit their portfolio and markets.

Streamlined Operations with Automated Reconciliation

One of the historic challenges with bank transfers has been reconciliation: matching incoming payments to the correct customer, order, or invoice. Yowpay’s reconciliation engine directly addresses this pain point and is now made available natively within Akurateco’s ecosystem.

Through business IBANs, structured references, and automated matching logic, the integration helps merchants:

• Eliminate manual matching of transfers and the associated back-office workload.
• Reduce errors and payment disputes caused by misapplied or unidentified funds.
• Gain real-time visibility into which orders are paid and which remain outstanding.

For finance and operations teams, this means more accurate reporting, faster month-end closing, and a clearer view of cash positions.

Non-MoR Model with Direct Access to Funds

Many merchants prefer direct access to their funds rather than working through an aggregated merchant-of-record model. Yowpay’s non-MoR architecture respects this preference.

With the integrated SEPA layer:

• Funds are directed to merchant-controlled accounts linked via dedicated business IBANs.
• Cash flow is more transparent because transfers arrive directly from the customer’s bank account.
• Merchants retain a clear ownership structure over incoming payments, which can support internal governance and compliance needs.

This setup can be particularly attractive for larger or more regulated merchants that require clean settlement flows and full visibility into their payment accounts.

A Future-Ready, Compliant Stack for European Expansion

SEPA is the backbone of euro payments. For businesses expanding into the eurozone or scaling their presence within it, building a future-ready payment stack inevitably involves SEPA A2A capabilities.

The Yowpay–Akurateco partnership delivers such a stack, optimized for:

• European merchants processing euro-denominated payments across multiple countries.
• PSPs and acquirers looking to strengthen their European portfolios with a modern SEPA offering.
• International merchants entering the EU market who need a scalable, compliant, and modular payment infrastructure from day one.

Because both Yowpay and Akurateco are focused on compliance, resilience, and modularity, the combined solution is built to evolve with regulatory changes, market shifts, and new payment behaviors across Europe.

Who Stands to Benefit the Most?

Any organization involved in processing euro payments can benefit from this integration, but certain profiles are especially well positioned to gain value:

• Growing PSPs that want to quickly add SEPA A2A without committing large engineering resources.
• Acquirers searching for additional, non-card revenue streams and a stronger APM story.
• Enterprise merchants with significant euro-denominated volumes and a strong focus on conversion, cost control, and operational efficiency.
• Vertical-specific platforms (for example, B2B marketplaces or recurring billing providers) that want to embed SEPA transfers as a native payment option for their own merchants.

For all of these players, the Yowpay–Akurateco partnership offers a shortcut to a mature SEPA A2A capability, backed by proven payment orchestration and automation.

Building the Next Generation of European Payments

As Europe continues to embrace account-to-account payments, Open Banking, and real-time settlements, having a solid SEPA backbone is no longer optional for serious payment players. It is a prerequisite for staying competitive, profitable, and relevant.

By bringing together Yowpay’s specialized SEPA A2A infrastructure with Akurateco’s white-label payment platform, this partnership delivers exactly that backbone. PSPs, acquirers, and merchants gain a powerful, fully managed SEPA layer that reduces costs, boosts conversion, and simplifies operations, all within a scalable and compliant architecture.

The result is a future-ready payment stack designed for the realities of European commerce today and the opportunities of tomorrow.