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A future-oriented platform
for all payment and banking services

  • Own gateways
Our digital bridge for secure payment processing between company systems and financial institutions.
  • Intelligent data matching
Payment security is made possible by thorough identity checks for effective fraud prevention.
  • Real-time synchronization
Immediate 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 approval for direct debits, secures customer authorization and facilitates payments.

Payment Success products

IBAN account

Secure and easy-to-use account management and administration of new IBAN accounts via partner institutions

SEPA Direct Debit

Enables convenient recurring payments directly from the customer account

DATA Pay

Precise reconciliation of transactions, accounts and user identities

OK2PAY

Quickly close a sale 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 company 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 with which you can easily manage direct debits from your customers. You can enter direct debits manually and track the status of your transactions transparently.
Perfunctio is ideal for all companies that want to collect payments directly from their customers' bank accounts (pull-payments), especially B2B companies and those that manage recurring payments such as subscriptions and membership fees. Our platform is suitable for both start-ups and large international companies.
Perfunctio specializes in direct debit payments. However, credit card payments and instant payments are also possible via our system, as direct debits usually take 3-5 working days to reach the recipient. We will be happy to show you which alternatives are available.
The number of transactions you can process via Perfunctio is unlimited. However, there may be restrictions on the amount of individual transactions, depending on the regulatory and financial requirements that apply in your country and at your bank.

What our customers say

Matthias Kleinhand Perfunctio customer

With Perfunctio as our technology partner, we feel that we are ideally equipped to meet the requirements of modern payment transactions. Their commitment to creating individual solutions clearly sets them apart from other providers.

Manuela Jensen Perfunctio customer

Perfunctio's services have helped us to enter international markets with ease. Their service concept offers truly customized options and the results speak for themselves!

Helena Müller Perfunctio customer

We have been running our transactions through Perfunctio for several years now and have never had any problems. This is a service provider that we can fully trust.

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Call us: +49 40 637 93 018

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