While many payment providers chase volume through e-commerce and card acquirers, Payfront is quietly building B2B infrastructure for high-trust verticals — SaaS, B2B marketplaces, and compliance-heavy platforms — focusing on reliability, regulatory clarity, and performance SLAs.
We spoke with Elodie Marchal, Payfront’s Chief Operating Officer, about how they scale real-time SEPA payments, reduce onboarding friction, and win clients that need much more than a generic EMI dashboard.
Who is Elodie Marchal?
Elodie has over 12 years of experience in regulated payments and operations. She led B2B operational scaling at SlimPay and later joined Treezor as Head of Ops. In 2021, she co-founded Payfront to tackle a pain point she knew firsthand: enabling high-trust B2B flows with fully auditable, compliant infrastructure.
Interview
What is Payfront’s elevator pitch?
We’re a back-end payments partner for platforms that need SEPA flows, IBAN issuing, and onboarding orchestration — especially in B2B and regulated verticals.
What’s your role as COO?
Everything between the API and the bank:
-
Onboarding
-
Risk scoring
-
Ops performance
-
Banking partner SLAs
-
Flow integrity
-
Compliance reviews
And making sure product, legal, and clients stay aligned.
What products do you offer?
-
SEPA SCT / SCT Instant payouts
-
Named IBANs (FR, DE, LT)
-
Virtual account mapping
-
Open Banking PIS
-
Onboarding orchestration (KYB, KYT)
-
Treasury dashboards
-
Notification webhooks + payment references
Are you licensed?
Payfront is a registered agent of an EMI licensed by the ACPR in France.
Which verticals do you serve best?
-
SaaS platforms with subscription payouts
-
Regulated marketplaces (EU only)
-
Consulting and coaching collectives
-
Fintechs with internal ledger logic
-
Crypto/DeFi interfaces (EUR in/out rails only)
-
Lending and factoring platforms
What differentiates you from other providers?
-
High transparency: onboarding timelines, pricing, and compliance policies
-
Sub-merchant onboarding orchestration
-
Performance SLAs on SEPA payouts
-
Multiple IBAN issuing partners = faster routing
-
Webhook-driven reconciliation & flow controls
What’s your SEPA connectivity model?
-
SCT: direct routing via partner banks
-
Instant: via French and Lithuanian instant clearing hubs
-
API fallback logic based on counterparty bank availability
What onboarding times can clients expect?
-
Standard SaaS: 2–4 business days
-
Crypto or platform models: 5–10 business days with documentation
-
Sub-merchant onboarding (iframe): live in 5–7 days after integration
What are your IBAN capabilities?
-
Named IBANs
-
Virtual IBANs (for reconciliation)
-
Available in FR, DE, LT formats
-
Lifecycle management via API
How do you handle compliance?
-
Human + automated file reviews
-
UBO tracing
-
Risk scoring engine with KYB audit logs
-
KYT flow mapping
-
MiCA + AML6-ready controls
Do you work with crypto platforms?
Yes — we support EUR in/out rails only, and only for licensed EU VASPs or MiCA-compliant entities.
What does your PIS module do?
-
Push-to-pay SEPA credit initiations
-
Smart redirect UX
-
Retry and fallback triggers
-
Compatible with 2,800+ banks across EU
How do you price?
-
IBANs: €7–12/month
-
SEPA: €0.25
-
SEPA Instant: €0.45
-
PIS: €0.12/initiation
-
KYB: €2.50 per file
Volume-based discounting applies
What’s coming on your roadmap?
-
SEPA Direct Debit module
-
Dual-EMI routing
-
Real-time rejection monitoring
-
ESG transaction scoring
-
CEE expansion with onboarding in PL, CZ
Related Searches
-
Payfront payments France
-
B2B IBAN provider
-
Elodie Marchal Payfront
-
KYB orchestration fintech
-
SEPA API for SaaS
-
Crypto fiat rails Europe
-
Open Banking payout API
FAQ
Is Payfront licensed?
It operates as an agent of an ACPR-licensed EMI, with EU passporting.
Do you support crypto or adult businesses?
Yes — only licensed, with strict onboarding and flow documentation.
Can I issue IBANs?
Yes — named and virtual IBANs in multiple jurisdictions.
Do you support SEPA Instant?
Yes — routed via multiple instant clearing hubs, with fallback to SCT.
Company Services
-
SEPA & SEPA Instant
-
IBAN issuing
-
PIS payment initiation
-
KYB orchestration
-
Compliance controls
-
Notification APIs
-
White-label onboarding
Competitors
-
Swan
-
Lemonway
-
Mangopay
-
ConnectPay
-
FinXP
-
Intergiro
Product Positioning
Payfront is:
-
B2B native
-
API-first
-
Compliance-driven
-
Onboarding-transparent
-
Crypto-tolerant
-
Open Banking enabled
