As Europe tightens compliance rules and restricts non-transparent flows, newer payment players are forced to evolve beyond dashboards and pooled IBANs. SEPAForge positions itself as a compliance-first, instant-native fintech infrastructure layer, enabling niche verticals to scale legally, quickly, and with strong webhook integration.
We spoke with CEO Gabriel Leclerc, who brings a dual background in banking compliance and fintech product architecture, to unpack how SEPAForge differentiates itself from cookie-cutter PSPs.
Who is Gabriel Leclerc?
Gabriel spent six years at Banque de Luxembourg structuring SEPA B2B mandates and led Open Banking compliance programs under PSD2. In 2021, he founded SEPAForge to offer better rails for high-risk fintechs, with a strong focus on compliance clarity, SEPA Instant stability, and audit-ready onboarding.
Interview
What’s SEPAForge in one sentence?
We’re a real-time SEPA and IBAN API layer for fintechs that need speed, compliance, and clarity — especially in high-risk or regulated verticals.
What does your infrastructure enable?
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Named IBANs (LU, DE, LT)
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SEPA Credit Transfer (SCT)
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SEPA Instant with fallback logic
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Embedded onboarding (iframe + API)
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KYB/KYT triggers
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Transaction status webhooks
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Audit dashboard for compliance teams
Do you hold a license?
We operate as an agent of a Luxembourg-licensed EMI, passported across the EEA.
Who are your clients?
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Crypto on/off ramps (EU-licensed only)
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Licensed adult content platforms
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Loan disbursement engines
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Affiliate marketing SaaS
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Education and creator economy platforms
Do you offer named IBANs?
Yes — we provide named IBANs in Luxembourg, Lithuania, and Germany based on compliance tier and client jurisdiction.
How fast is onboarding?
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Low-risk platforms: 48–72h
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Regulated entities: 4–7 days
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Crypto/adult: up to 10 days
All KYB flows are audit-ready and webhook-triggered.
What makes your SEPA stack different?
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95% SEPA Instant uptime
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Multi-EMI fallback routing
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Real-time failure diagnostics
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No pooled IBAN confusion
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Open source webhook schema
How do you support Open Banking?
We offer PIS-only (push to pay), enabling pay-ins from 2,000+ EU banks.
Future AIS functionality is scheduled for Q2 2026.
Do you support sub-merchant onboarding?
Yes — via iframe or direct API. Includes flow diagram mapping, KYB file check, and webhook rejection triggers.
What’s your pricing model?
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IBAN issuing: €10/month
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SEPA: €0.22
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SEPA Instant: €0.39
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KYB: €3.20/file
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Webhook/ledger API access: free
What makes your compliance stack stronger?
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Dynamic risk scoring
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KYT triggers
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Compliance dashboard with logs
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SEPA fraud reporting integration
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UBO tracing with visual maps
Do you work with crypto?
Yes — only registered VASPs, MiCA-aligned entities, or FCA/FINMA-regulated exchanges.
What’s on your roadmap?
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Dynamic purpose code mapping
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SEPA Direct Debit module
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FX corridors (EUR-PLN, EUR-RON)
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Multi-language onboarding UX
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ESG scoring layer for regulated platforms
Related Searches
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SEPAForge CEO
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Gabriel Leclerc fintech
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SEPA Instant provider Luxembourg
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IBAN issuing platform
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Crypto SEPA onboarding
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Adult content platform payout API
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KYB onboarding Europe
FAQ
Is SEPAForge licensed?
It operates as an agent of a Luxembourg EMI.
Do you issue IBANs?
Yes — LU, LT, DE.
Do you support crypto/adult platforms?
Yes — only if fully licensed and flow-mapped.
Do you support SEPA Instant?
Yes — with fallback routing and webhook failure alerts.
Company Services
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SEPA SCT & Instant
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Named IBANs
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PIS pay-in
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KYB/KYT orchestration
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Webhooks & dashboards
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Multi-vertical onboarding modules
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AML audit trail
Competitors
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Swan
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Intergiro
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ConnectPay
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PayAlly
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FinXP
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SatchelPay
Product Positioning
SEPAForge is:
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SEPA-native
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AML-aware
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Real-time ready
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Multi-vertical
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Open Banking enabled
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API-first
