CPG stands for independence in payments

We are a solution partner for national and international payment transactions of banks, municipalities and companies.

Products

Our products

Digitization is also forcing payment transactions to new ways of working. Together with our customers, we develop solutions for the smooth processing of transactions across system boundaries.

CBPay

SEPax

SCTInst

This is how you benefit from us

Banks Payment Service Provider and Collectors Public administrations Companies with high debit incomes Startups Mobile Payment Provider

Banks

Approved by the Bundesbank

Banks have to operate many functional modules around their core banking system. CBPay is a payment system approved by the Bundesbank and can be fully integrated into the IT environment of a bank due to its modern architecture.

Extensive conversion functions, test mechanisms, correction procedures and interfaces to external systems were developed and optimized on the basis of many years of experience. Thanks to the configuration options, CBPay can be used from the specialized conversion tool to the complete ZV system. Multilingualism and multi-currency capability are just as natural as modern interfaces to external systems e.g. Embargo, dispo etc. New requirements such as SCTInst have already been implemented and our development team is happy to develop individual solutions.

Payment Service Provider and Collectors

SEPA and SWIFT in online trading

Service providers for online retailers mostly focus on functions around credit cards and alternative payment methods. SEPA and SWIFT connections often have grown historically and are expensive to maintain.

CBPay can take on individual audit or conversion tasks or control and control all cash flows to traders, banks and wallets as a central system. Simple B2C direct debits can be implemented as well as complex runtime and fee-optimized multi-bank solutions. The system remains clear and transparent thanks to its modular design and configuration options.

Public administrations

Automated tasks

Offices and authorities have high requirements in terms of payments to connect to internal and external systems. The conversion of old and new formats often complicates the optimization of payment transactions.

CBPay can automate and monitor conversion, verification, and correction tasks in old, new, and in-house formats. Role and authorization management, log files (optionally in blockchain technology) and archive functions ensure the highest security standards.

Companies with high debit incomes

Multibank strategy

Utilities, insurance companies, telecommunication providers and clubs often have a very large amount of direct debits that they handle with their house bank. Although such a single bank strategy is technically simple, it also entails high cost and runtime disadvantages.

A special function of CBPay enables a simple way to implement a multi-bank strategy in direct debit processing, since all conversion, testing and correction tasks can be automated. Depending on the requirement, it is possible to optimize the duration or the bank charges. Clearing after minutes or a few hours while reducing the foreign bank charges by 50-90% can be achieved with this multi-bank strategy.

Startups

Scalable payment processing

Time to market is crucial for startup companies. But when it comes to payments, improvised solutions take their toll at the latest when the business model scales.

CBPay offers from the beginning a professional solution, e.g. via SaaS for all payment processing requirements. Usage-dependent conditions do not burden the budget and the modular structure keeps all functions available for international use as requirements increase. Our experts also help in all phases of business development in payment transactions and are happy to develop individual solutions, for example. around PSD2, AIS and Blockchain and AI.

Mobile Payment Provider

€ 0.0025 per transaction

The smartphone is about to replace the plastic card as a medium when paying in the store. Often, only the NFC function of the smartphone is replaced by that of the card, but in the background remains the well-known (card) payment method (e.g., credit card, girocard) with the known cost and regulatory requirements (e.g., PCI-DSS).

However, the advantages of the smartphone payment medium can also be combined with the SEPA infrastructure to create a very cost-effective, easily-regulated and secure alternative. This does not only apply to Germany, but to the entire euro area. The default risk of a payment can be minimized using the data from the smartphone and the actual payment process, there is only a single non-negotiable fee: 0.0025 € (!) For the Bundesbank.

Our clients

“The payment platform CBPay enables us to manage the bank's day-to-day business simply and efficiently. The system is an ideal component to further develop the bank's strategy in the areas of payments and transactions."

Florian S.
Bankhaus von der Heydt

"As part of the largest banking group in the eurozone, we have special requirements for our payment processes. The CPG team has been helping us to meet these challenges flexibly and reliably for several years now. We have a very cooperative and trusting business relationship."

Andreas K.
BNP Paribas S.A. Niederlassung Deutschland, Consorsbank / DAB BNP Paribas

"The payment transactions in our company are quite complex and require regular optimization. With CBPay from CPG in Munich, we can quickly and easily make adjustments ourselves and also put them into operation immediately. We appreciate this flexibility and transparency of the system very much. The stability of CBPay is also very high."

Stephan P.
Bankhaus Lampe KG

"As a specialized institute within the cooperative banking group, TEBA has to find and implement its own solutions for many IT requirements. Of course we also need efficient and reliable partners. For many years, we cooperate with the CPG in payments appreciate the expertise, reliability and flexibility of this team."

Manuel B.
TEBA Kreditbank

Events@CPG

At regular intervals we inform customers and interested parties about news in our industry. Together with our partners, we prepare regulatory, technical and business topics in a pleasant setting.

Next event:

October

FINANCIAL TRENDS AND SOLUTIONS
Hamburg Business-Meet

More details soon

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