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.

In brief

Tractial assembles payment accounts, flows, compliance and integration according to the project. Services are subject to eligibility, compliance validation and a contract. This page points to the closest component or use case.

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.

Four infrastructure layers

  1. Accounts

    Payment accounts and IBANs embedded in the platform.

    See the page
  2. Flows

    Collection, transfers, payouts and reconciliation.

    See the page
  3. Compliance

    KYC, KYB, controls and supervision in the journey.

    See the page
  4. Integration

    APIs, webhooks and Payment.net orchestration.

    See the page

Each layer links to the relevant pages. Nothing is switched on without a project review.

The solutions

Payment accounts & IBANs

Enable your users, clients or merchants to receive, hold and transfer funds through payment accounts embedded in your environment.

Incoming and outgoing payments

Structure your financial flows: collection, transfers, payouts, commissions, operational tracking and reporting.

KYC, KYB and compliance

Embed the verification, eligibility and control steps required for financial services operated within a regulated framework.

Payment institution agent

A supervised framework to embed certain payment services into your business, under Tractial’s ACPR licence, after eligibility review and compliance validation.

White label / grey label

Deploy accounts, payments, IBANs or compliance journeys in your own environment, with an integration model suited to your project.

Wallets and digital assets

Connect euro payments, payment accounts, wallets and digital assets in simple, embedded journeys suited to the applicable regulatory framework.

Who is it for?

B2B SaaS and business software

Add payment accounts, IBANs, collection and reconciliation directly inside the tools your business clients already use.

E-invoicing

Tractial lets Accredited Platforms, compatible solutions and invoicing vendors embed payment accounts, IBANs, collections, transfers and reconciliation directly in their journeys.

Marketplaces

Collect, split and track financial flows between buyers, sellers, providers or partners.

Fintechs

Build an account, payment or IBAN offering faster by relying on an existing regulated infrastructure.

Crowdfunding platforms

Manage your crowdfunding platform’s financial flows: collection, tracking, payouts, reporting and compliance.

Start from a need

  • Launch an offering

    Fintech, PI agent or white label.

    See the page

  • Collect and pay

    Marketplaces and incoming / outgoing payments.

    See the page

  • Identify

    KYC and KYB journeys.

    See the page

  • Connect digital assets

    Wallets and stablecoins, within the applicable framework.

    See the page

Regulatory framework

Tractial is licensed as a Payment Institution by the ACPR. Services are offered subject to eligibility, compliance validation and contractual agreement.

Licences and regulatory framework