Unknown to the general public, but solicited internally for several years, Iliad’s fintech created by Xavier Niel, Stancertakes off and sets out to conquer merchants and freelancers with its payment solution, not without a small dose of revolution, as always.
Stancer arrives in France, at least in the eyes of the general public. This subsidiary of the Iliad group, independent, is to be presented as a payment establishment, determined to break the codes of a market in constant evolution. The fintech, which already manages millions of payments (we will talk about it later), now wants to appeal to merchants, small businesses and the self-employed. It revolves around three key words: Accessible », « Transparent ” and ” Innovative in that it is based on an offer, called StancerPay, which is relatively simple, competitive and entirely manageable from a single dashboard. Let’s get into the details.
Stancer, a new player in payment solutions, already has real know-how
A launch when it all started in 2018: does it make sense? Yes, because Stancer has now been managing millions of payments for four years, in this case those of the Iliad telecommunications group, owned by Xavier Niel. We are talking about 200,000 daily transactions, 6 million monthly subscription payments and a billion euros processed for its customers in one year. Enough to develop a certain know-how when launching an offer aimed at a wider audience.
“ Make physical and online payment simpler and more accessible. »
” That’s why we’re here today. To hatch the Stancer brand, which is a payment institution that will offer payment solutions for merchants, traders, independents “Summarizes George Owen, CEO of an ambitious fintech. The solution’s infrastructure was developed by a certain Aurélien Beaujean, a payment specialist engineer who worked for Iliad for more than 20 years.
At a time when the steps and other fees for managing and processing payments can be painful for a small merchant, Stancer is therefore revealing to us, on September 27, its very first offer: StancerPay. Its mission is simple: Make physical and online payment simpler and more accessible. A kind of French square.
StancerPay, what is it concretely?
StancerPay is a payment solution available for merchants and freelancers who want to cash their customers, in store and/or online. The service, on which you can very simply register, is particularly competitive, with prices studied to correspond to all activities and for all types of payment.
” You can make payments by credit card, SEAP direct debits, transfers, instant transfers. All this is available in the API and from the dashboard », Explain George Owen and Aurélien Beaujean. This dashboard brings together all the payment flows, which are then visible in real time. The service is therefore omnichannel and offers physical payment with a Verifone mobile payment terminal and/or online, as we said, via an API.
” For transactions below 7 euros, we give up our fixed commission. »
As we have specified, this payment solution is made at very competitive rates. ” For transactions below 7 euros, we give up our fixed commission, which allows you to pay with a bank method. With StancerPay, the impossibility of paying with your credit card in a bakery that does not accept payments below 10 euros, it’s over “Explains the boss of Stancer. In other words, if the StancerPay service retains its variable commission (0.7%), it squarely gives up its fixed commission when the merchant uses a payment terminal, even outside the European Economic Area. Online, it remains 0.15 euro, and 0.07 euro in physical for transactions over 7 euros.
Today, a merchant who collects an amount of 30 euros via the StancerPay solution could achieve a cost savings of around 50%, and up to 80% for a physical payment of a small amount of 2 euros. For example, Square charges the merchant €0.10 per payment made via a bank card (contact or contactless). At PayPal, the fixed commission reaches 0.25 euro.
design and storage made in France
Stancer has two other advantages, in the spirit of Free and Iliad: the use of its services remains without obligation, without subscription, and without hidden costs. To benefit from the advantages of the Stancer offer, merchants must nevertheless justify a minimum of 150 transactions per month. So what about the small independents who don’t make as many flows?
” They will be able to use a payment link sent by e-mail or SMS to be able to be paid without the need for a terminal. A QR code is displayed: the payer scans it and is redirected to a classic payment page “, adds Aurélien Beaujean. Stancer seems to have thought of everything so as not to disadvantage any of his potential clients.
Where StancerPay can win over more customers is where its technology comes from, ” 100% French design, developed in-house ” and which ” the data is 100% hosted in our data centers in France adds the technical manager.
How to get started with StancerPay?
Signing up can be done in minutes through Stancer.com. Once registered, the customer has access to the payment solutions and the necessary documentation. On this point, ” we have developed simple documentation “, adds George Owen, who confirms that the solution will be compatible with the most famous CMS, WordPress & co. ” We wanted to go through this simplicity, so that the small developer could set up and deploy this solution on a CMS. »
” Our solution is robust, reliable. »
Once registered, the merchant chooses his payment method(s), which may be a terminal for physical payment, an API for online payment or a payment link for remote payment (via SMS, social networks, email or QR code). He can then manage everything via a dashboard. Support has been set up by Stancer and is, according to the company, accessible via email.
Let’s end with a word on security, a subject that is close to our hearts at Clubic. ” We serve one of the largest French companies, Iliad, so our solution is robust, reliable », teaches us George Owen. Aurélien Beaujean adds that ” every year, we are audited, and we have all the necessary certifications “.
As for the future, Stancer obviously does not refrain from developing new services and forming strategic partnerships. The secret is well kept, but one can imagine that Free Pro and other companies in the Iliad sphere or partners of the company could serve as a relay for the Stancer offer.
Source: Clubic
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