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A future-oriented platform
for all payment and banking services

  • Our own gateways
Our digital bridge for secure payment processing between enterprise systems and financial institutions.
  • Intelligent Data Matching
Payment security is ensured through thorough identity verification, which effectively prevents fraud.
  • Real-time synchronization
Instant credit and identity checks to ensure the security and reliability of every transaction.
  • Documentation of Sales Transactions
Ensures automated capture, legal compliance, and control of SEPA mandates and other relevant documentation.
  • Generation of SEPA mandates
Enables electronic consent for direct debits, ensures customer authorization, and simplifies payments.

Payment Success Products

IBAN account

Secure and easy-to-use account management and maintenance for new IBAN accounts through partner institutions

SEPA Direct Debit

Enables convenient recurring payments directly from the customer's account

DATA Pay

Precise matching of transactions, accounts, and user identities

OK2PAY

Complete the sale quickly with just one click and generate a SEPA mandate

E-mandates

Management of account access mandates runs digitally and is stored by us for you

About Us

  • Efficiency and Security in Payment Processing

Perfunctio is a subsidiary of the owner-managed investment firm MEGALON GROUP AG, based in Hamburg.

Perfunctio has many years of expertise in the payment process and in technical solutions and is the ideal partner for everything to do with transaction processing, mediation to financial institutions, acquirers and payment institutions.

Perfunctio specializes in ensuring the processing of SEPA direct debit mandates and their documentation and management.

This creates interfaces between partner banks and customers.

Increase your payment security with OK2Pay

Direct debits optimize your cash flow and make it easier for your customers to pay invoices. But how do you verify account ownership and consent for direct debit collections? OK2Pay integrates electronic mandate management and real-time account holder checks directly into the purchasing process - securely and efficiently. Find out more about how OK2Pay makes your direct debit process less risky.

FAQ – Frequently Asked Questions

Perfunctio offers a user-friendly interface that makes it easy to manage direct debits from your customers. You can enter direct debits manually and track the status of your transactions in real time.
Perfunctio is ideal for any business that wants to collect direct payments from its customers’ bank accounts (pull payments), particularly B2B companies and those that manage recurring payments such as subscriptions and membership fees. Our platform is suitable for both startups and large international companies.
Perfunctio specializes in direct debit payments. However, credit card payments and instant payments are also available through our system, as direct debits typically take 3–5 business days to reach the recipient. We’d be happy to show you what alternatives are available.
There is no limit to the number of transactions you can process through Perfunctio. However, there may be restrictions on the amount of individual transactions, depending on the regulatory and financial requirements in your country and at your bank.

What our customers say

Matthias Kleinhand Perfunctio Customer

With Perfunctio as our technology partner, we feel fully equipped to meet the demands of modern payment processing. Their commitment to creating customized solutions clearly sets them apart from other providers.

Manuela Jensen Perfunctio Customer

Perfunctio's services have helped us tap into international markets with ease. Their service model offers truly tailored solutions, and the results speak for themselves!

Helena Müller Perfunctio Customer

We’ve been processing our transactions through Perfunctio for several years now, and we’ve never had any issues. It’s a service provider we can fully trust.

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Give us a call: +49 40 637 93 018

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