With our secure, adaptable payment solutions, confidently. Accept all payment types and scale your business smoothly.
Platforms, SaaS companies, marketplaces and fintechs want to embed financial services directly into their product without building the entire technical and regulatory infrastructure in-house. Tractial assembles the required components according to each project’s scope.
Payment networks: SEPA, cards
Each component in the diagram links to its detailed page.
Our solutions
Tractial provides a regulated fintech infrastructure, licensed as a Payment Institution by the ACPR, to connect your business journeys to payment accounts, financial flows and related services.
Embed payment accounts and IBANs into your SaaS, marketplace or fintech platform. Regulated infrastructure, licensed Payment Institution (ACPR).
Collection, transfers, payouts, commissions: structure your platform’s financial flows with a regulated payment infrastructure.
Embed identity verification (KYC), business verification (KYB), controls and supervision into your financial journeys, within a regulated framework.
The payment institution agent status allows you to embed certain payment services into your business, within a supervised framework. Eligibility and steps.
Deploy payment accounts, IBANs, flows and compliance in your own environment: API integration, grey label or white label depending on your project.
Connect euro payments, payment accounts, wallets and digital assets in embedded journeys, within the applicable regulatory framework.
Use cases
B2B SaaS, e-invoicing, marketplaces, fintechs, crowdfunding platforms: each model has its own fund flows and compliance requirements. The use-case pages detail what Tractial puts in place for each one.
Add payment accounts, IBANs, collection and reconciliation directly inside your business software. Cut your clients’ manual work.
See the use caseAdd payment accounts, IBANs, collections, transfers and reconciliation to your Accredited Platform or e-invoicing solution.
See the use caseCollect, split and track flows between buyers, sellers and partners: commissions, payouts, seller KYB and reporting, within a regulated framework.
See the use caseLaunch an account, payment or IBAN offering without building the regulatory infrastructure: PI agent, white label or API, depending on your project.
See the use caseCollection, tracking, payouts and reporting for crowdfunding service providers: a payment infrastructure built for regulated flows.
See the use caseTractial’s services are operated through Payment.net, the company’s proprietary technology platform, and connect to your product via APIs.
Payment.net is the proprietary technology platform developed by Tractial. It orchestrates the services exposed to partners: payment account management, incoming and outgoing flows, reconciliation and reporting data, API integrations.
APIs connect Payment.net’s financial components to a SaaS, marketplace, fintech or platform.
Unsure about a technical term? Browse the glossary
Tractial is licensed as a Payment Institution and operates its payment services under the supervision of the ACPR.
Licences and regulatory frameworkTractial is listed on REGAFI, the register of financial agents maintained by the Banque de France, where the licence can be publicly verified.
Tractial is listed on Euronext Growth Paris (ticker ALTRA, ISIN FR0014014ZV8), with the disclosure obligations that entails.
Investor relationsTractial, formerly BD Multimedia, has been active in payment services since 1986.
First embedded finance pilot integrating Tractial payment services with a partner. Embedded financial services become the core of the offering.
Joining the Circle Alliance program and structuring a fintech infrastructure around euro-denominated stablecoins.
Launch in H2 2025 of a Bitcoin treasury strategy, based on progressive, structured accumulation, distinct from the payment institution business.
Capital increase: share capital raised to EUR 5,267,336 (BODACC notice of 25 December 2025).
The company adopts the Tractial name and refocuses its development on its payment institution business and embedded financial services.
Deployment of our secure prepaid card solution, accessible without a bank account to facilitate online and in-store transactions.
Payment institution licence obtained. Launch of our Payment.net platform to ensure the compliance and protection of online financial transactions.
Learn moreLaunch of StarPass, an innovative micropayment solution for fast, secure payments for online services and digital content.
Initial public offering on the Marché Libre. Listing transferred to Alternext in 2011. The company is now listed on Euronext Growth Paris under the ticker ALTRA.
Learn moreAfter developing telematics (Minitel, Audiotel) and multimedia content, BD Multimedia expanded into the Internet and became an Internet service provider.
BD Multimedia was created with the vision of offering value-added services using information technology.
Thanks to this platform, our payment management has become child’s play: fast, reliable and hassle-free.
With their 24/7 support and seamless integration, we can focus fully on our growth.
Exceptional customer service and simple solutions that meet the exact needs of our digital business.
Services are offered subject to eligibility, compliance validation and contractual agreement.