Payment is a mature market

For over a decade, the payment market has been dominated by a handful of major players. Global payment providers have emerged, building infrastructures capable of reliably and efficiently processing millions of transactions. Over time, uses have become standardized, integrations easier, and interfaces more refined. Payment has become a technological commodity accessible to all.

And yet, one category remains underserved: platforms

Marketplaces, franchise networks, healthcare and insurance brokers, ... all these models appear very different on the surface, but they have one thing in common: they operate financial flows on behalf of third parties, in complex environments, often across multiple countries, and are subject to stringent regulatory requirements. These are not merely merchants collecting payment for sales, but distributed financial infrastructures with payment at their core.

Platforms don't just collect payments. They have very specific requirements:

• Complying with ever-changing regulations (KYC, AML/CFT, PSD2, GDPR), where each new rule impacts the core of their business;
• Managing complex payment lifecycles, combining onboarding, identity verification, pay-ins, payouts, disputes and reconciliations;
• Ensuring the security and traceability of all financial flows to meet their audit obligations;
• Developing multi-stakeholder, multi-country and multi-method processes;
• Offering a seamless experience to their customers and partners while securing every stage of the payment cycle;
• Sustaining complex and hybrid business models where revenues and profits depend on the very structure of financial flows.

This is precisely where current payment solutions, however effective they may be, reach their limits.

Why? Because they were designed to meet the use cases of merchants – not to orchestrate complex, distributed financial flows.

This means platforms must compromise when managing payments:

• Between growth and compliance: how can they accelerate the onboarding of their sellers and partners without exposing themselves to regulatory risks?
• Between offering a wide range of features and ensuring easy integration: how can they offer a rich set of features – such as scheduled payouts, internal wallets or multi-entity management – without creating overly complex integration pipelines or parallel systems for their IT teams to maintain?
• Between innovation and security: how can they offer differentiated services – such as installment payments or pay by link – without compromising traceability or anti-fraud monitoring?
• Between speed to market and control: how can they quickly launch a new vertical or expand internationally without creating technical or regulatory debt?
• Between service depth and support: how can they benefit from a cutting-edge payment technology infrastructure while relying on a trusted partner who understands their business, product and compliance challenges?

What these platforms need is a new type of player. Not a new module from an existing payment provider, not a bank with an API, but a payment infrastructure designed natively for platforms and capable of:

• Handling compliant onboarding within 24 hours in France and internationally;
• Integrating all the payment methods they need (payment cards, localized payment methods, BNPL, Tap to Pay, payment links sent via text message or email, etc.);
• Making compliance easy to understand and delegate;
• Automating payouts according to precise and configurable rules;
• Securing their financial flows and combatting fraud using bets-in-class tools;
• Streamlining accounting through automatic reconciliation and multi-level entity management;
• Guaranteeing flow traceability;
• Providing management tools that integrated with their existing monitoring systems;
• Offering a modular architecture that integrates into complex systems and aligns with their business logic to simplify technical deployment;
• Supporting product, finance, and compliance teams with human, expert, and committed support;
• Providing a robust and sovereign technological foundation with data hosted in Europe in strict compliance with regulations.

Our payment infrastructure speaks the language of platforms, understands their business needs, and anticipates their technical and regulatory challenges, ensuring that payment is no longer an obstacle but a lever for differentiation, attractiveness and performance.

1POINT6: the payment infrastructure for platforms that want it all

We are not seeking to replace existing solutions, but to provide a clear, concrete and tailored response to a blind spot in an already mature market.

Combining the support of BNP Paribas with the agility of a fintech company, 1POINT6 provides an infrastructure designed to handle the complexity, speed and requirements of platforms to help them regain control over their financial flows and accelerate their development, without compromise.