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Consumer initiates a bank transfer
The customer sends a transfer from their personal bank using a dedicated IBAN (or a business IBAN with structured reference), following standard online banking instructions.
Secure Consumer-to-Business IBAN collection infrastructure designed for EU & UK regulated merchants, PSPs, and platforms.
C2B IBAN Solutions provide regulated customer-to-business bank transfer infrastructure for EU and UK payment collections. DebitBit enables secure SEPA and Faster Payments flows using virtual IBANs, transaction monitoring, and compliant settlement to merchants.
A C2B (Consumer-to-Business) IBAN solution enables regulated, bank-transfer collections from individuals into a business settlement flow—typically using SEPA (EUR) and, where applicable, UK Faster Payments (GBP), with reconciliation-ready mapping for finance and compliance teams.
In practice, the solution assigns a dedicated IBAN (often virtual) to a merchant, customer, order, or reference. Incoming transfers are automatically identified and matched, enabling clean reconciliation, reduced manual operations, and a controlled compliance perimeter.
C2B collection models must clearly define the roles of the business, the issuing/partnering financial institution, and the compliance responsibilities—particularly for AML/CTF, transaction monitoring, and permitted use cases. A well-structured C2B IBAN setup reduces ambiguity and supports defensible audit trails.
Fast, secure, and compliant onboarding tailored for your business
A C2B IBAN flow is designed to make consumer bank transfers operationally clean for merchants and platforms: clear payment rails, structured identifiers, automated reconciliation, and a compliance-ready audit trail.
The customer sends a transfer from their personal bank using a dedicated IBAN (or a business IBAN with structured reference), following standard online banking instructions.
Transfers are processed on established payment schemes—typically SEPA for EUR collections in the EU/EEA and, where applicable, Faster Payments for GBP collections in the UK.
Incoming funds are identified via virtual IBAN assignment and/or structured references. This enables deterministic matching to a merchant, customer, invoice, or order—without relying on manual review.
The system reconciles transactions automatically and maintains an audit trail. Monitoring rules may be applied depending on jurisdiction, risk profile, and onboarding outcome (e.g., AML/CTF screening and transaction monitoring).
Funds are settled according to the agreed model (e.g., scheduled settlement or threshold-based), with reporting that supports finance operations. Settlement timing and limits depend on rails, banking partners, and compliance terms.
C2B IBAN infrastructure reduces manual matching, improves reconciliation quality, and provides a consistent framework for controlled consumer collections across supported jurisdictions.
In the next section, we summarize supported countries and payment rails, including EU/EEA SEPA coverage and UK GBP rail options.
C2B IBAN collection accounts are available to approved businesses and platforms only.
Eligibility depends on factors such as jurisdiction, business model, expected transaction volumes,
and applicable compliance requirements. Onboarding typically includes an initial eligibility review
followed by standard verification and partner approval, where applicable.
The assistant below provides general eligibility guidance prior to submitting a formal request.
Eligibility checks are indicative only and do not constitute approval.
Coverage is structured by jurisdiction and scheme. EU/EEA collections typically run on SEPA (EUR), while UK collections may run on Faster Payments (GBP), subject to onboarding and compliance review.
Our C2B IBAN infrastructure is aligned to regulated European collection models. We support operational frameworks for:
Practical answers to common questions from EU/UK buyers. Availability, limits, and onboarding requirements are determined during compliance review and may vary by jurisdiction and use case.
The following trust signals reflect operational expectations commonly applied in EU and UK payment environments. Availability and scope depend on jurisdiction, permitted use case, and onboarding outcome.
C2B IBAN collections operate on established bank transfer schemes, providing familiarity for consumers and operational clarity for businesses.
C2B IBAN collection models are structured to operate within regulated frameworks. Responsibilities are clearly defined between participating entities, with onboarding and monitoring aligned to jurisdictional requirements and partner policies.
Structured IBAN and reference models support traceability and reconciliation, helping finance and compliance teams maintain clear operational oversight.
Data handling for EU and UK flows is typically aligned with privacy and security expectations, including purpose-limited processing, controlled access, and retention aligned to regulatory and contractual requirements.
Coverage, limits, and operational structure are confirmed during onboarding based on jurisdiction, business model, and expected volumes.
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