Sentenial

Sentenial is a pioneer of European A2A processing, SEPA Direct Debit, instant accounts and open banking infrastructure for PSPs and corporates. It started in 2003, works from London and Dublin, and belongs to the EML and GoCardless group.

Services The product list includes open banking pay-by-bank, SEPA and Bacs Direct Debit, instant virtual accounts and a white-label option for PSPs. The infrastructure is oriented toward recurring and instant account-to-account payments, an alternative to card acceptance for businesses that collect regular payments.

Customers and markets Target clients are PSPs, payment gateways, insurance, telecom and fintech. Countries are the United Kingdom, Ireland, France and Germany, plus the wider EU.

Pricing A wholesale per-transaction tariff for PSPs and merchants. Providers considering a white-label launch should ask which schemes and countries are covered under which licence, and how mandates and failed collections are handled.