Payment accounts & IBANs

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

In brief

A payment account with an IBAN lets a platform receive, track and transfer funds in a digital journey. It is held by a payment institution. It is not a bank deposit account.

Payment accounts with dedicated IBANs let a platform structure financial flows within a digital journey: receiving funds, sending transfers, tracking balances and reporting. With Tractial, these accounts can be embedded into SaaS, fintech or marketplace journeys, depending on the project scope and the applicable regulatory framework.

Anatomy of an embedded payment account

  1. Holder

    User, client or merchant, depending on the partner journey.

  2. IBAN

    Identifier used to receive transfers. It does not make the account a bank account.

  3. Balance and operations

    Tracking of incoming funds and outgoing transfers.

  4. Statuses and statement

    Operational states and reporting, according to scope.

  5. API and permissions

    Integration assessed during technical scoping.

    See the page

Teaching view. Permissions and account holders depend on the project.

Possible uses

  • B2B SaaS

    Collection, payment tracking and reconciliation directly inside business software.

  • Marketplace

    Dedicated accounts, collection, commissions and payouts between parties.

  • Fintech

    Launching an account offering embedded in a proprietary user experience.

Features

  • Payment accounts
  • Dedicated IBANs
  • Incoming funds
  • Outgoing transfers
  • Balance tracking
  • API integration

Typical uses

SaaS, marketplace or fintech: the account sits inside the partner product. Opening goes through a verification journey.

  • Receiving funds
  • Outgoing transfers
  • Balance tracking
  • Reconciliation, depending on the project

Framework of use

Services are provided under Tractial’s Payment Institution licence (ACPR), subject to project eligibility, compliance validation, contractual agreement and the applicable regulatory framework.

FAQ

Is Tractial a bank?

No. Tractial is licensed as a Payment Institution by the ACPR. It provides payment services and payment accounts, which are not bank deposit accounts.

What is a payment account?

A payment account is used to execute payment transactions (receiving funds, making transfers) within a regulated framework. It is held by a payment institution, unlike a bank account held by a credit institution.

Who is this solution for?

Platforms, SaaS companies, fintechs, marketplaces and businesses looking to embed payment accounts into their own journeys.

Can IBANs be integrated via API?

Integration can be assessed based on the technical, operational and regulatory scope of the project.

Related pages