Ezus Pay collects, attaches and updates your files. A bank transfer stops at collecting.
Let's say it up front: a transfer received on your account costs you almost nothing, and no payment solution competes on that. The cost is elsewhere. It is in the bank details emailed over, the reference copied wrong, the reminder sent three weeks later and the statement matched by hand.
- Card and SEPA transfer
- Automatic matching to the file
- Payouts to your own account
In short
This comparison is about collecting by transfer to your bank account, the most common method in agencies. On cost per transaction, the bank is unbeatable. What it does not do is take a card, send a link from the file, track the outstanding amount and attach each payment to the right service. Ezus Pay does that, and pays the funds out to the same bank account.
Ezus Pay
Ezus Pay is the right fit if…
- You spend time chasing clients who have not made their transfer yet.
- You match your payments by hand on your bank statement.
- You want to offer card alongside transfer, so a signature is never held up.
Bank transfer
Direct transfer is still the right fit if…
- Your collection costs must stay at the bare minimum: a transfer received costs almost nothing.
- Your clients transfer on their own, on time, with no chasing needed.
- You want no intermediary between your client and your account.
Ezus Pay does not replace your bank: the funds are paid out to your usual account. And nothing stops you from still accepting direct transfers from the clients who prefer them.
A transfer costs nothing, the waiting does
Both end up crediting your account. What changes is the route, and what it asks of you.
The client has to act
To make a transfer, the traveler has to open their banking app, add a beneficiary, type an IBAN and copy a reference. Every step is a chance to put it off.
You send bank details, then you wait. And you chase.
You send a link. The traveler pays by card in seconds, or by SEPA transfer if they prefer.
A bank statement knows nothing about your files
On a statement, a transfer is called “TRANSFER MR SMITH”. It is up to you to work out which file it belongs to, and which instalment.
You match the statement by hand, line by line, against your files.
Every payment arrives attached to the right file and the right service. The outstanding amount updates itself.
The traveler does not know where they stand
A file is often settled in three instalments over several months. With no dedicated space, the traveler writes to you to ask what they have already paid.
The traveler only has their own statements, and calls you to check.
They find their dates, their travelers, what they have paid and what is left, on a page in your colors.
Ezus Pay and bank transfer, point by point
What each one covers for an agency selling tailor-made trips.
| Feature | Ezus Pay | Bank transfer |
|---|---|---|
| Collecting for a trip | ||
| Card payment | ✓ | ✗ |
| SEPA transfer payment | ✓ | ✓ |
| Payment link sent from the file | ✓ | ✗ |
| Deposit and balance followed on the same file | ✓ | ✗ |
| No IBAN or reference for the traveler to type | ✓ | ✗ |
| Tracking and accounting | ||
| Payment attached automatically to the file | ✓ | ✗ |
| Synchronization with Ezus | ✓ | ✗ |
| File status updated with no action | ✓ | ✗ |
| Outstanding amount tracked per file | ✓ | ✗ |
| Accounting export | ✓ | ✓ |
| Traveler experience | ||
| Payment page in your colors | ✓ | ✗ |
| Client space with the trip summary | ✓ | ✗ |
| Immediate confirmation to the traveler and the agency | ✓ | ✗ |
| Cost and setup | ||
| Near-zero fee per transaction | ✗ | ✓ |
| No provider between the client and your account | ✗ | ✓ |
| Funds arriving on your account | Daily or weekly payout | Directly |
This comparison is about collecting by transfer to your bank account. It does not compare rates, for two reasons: a transfer received costs almost nothing, and the online payment solutions sold by banks are negotiated agency by agency, with no published rate card. For those, see the dedicated question below.
Ezus Pay or bank transfer
Because the commission is only part of what collecting costs. Against it you have to put the time spent chasing, the statement matching, the references copied wrong and the files that drag on for want of payment. Do the sum on your own payment delays: it is the only one that counts.
Yes. Ezus Pay pays the funds out to your usual bank account, daily or weekly depending on what you choose. Nothing changes there.
That is a different comparison. Those solutions require a distance-selling contract, a monthly subscription and a setup delay, and their rates are negotiated agency by agency with no published card. Fundamentally they take a card but know nothing about your files: the matching and the outstanding tracking are still yours to do by hand. Ask for their proposal and compare it on your volume.
Yes, in two ways. Your clients can always transfer straight to your account. And Ezus Pay offers SEPA transfer, charged 0,3 % + 0,30 €, with the payment attached automatically to the file.
Payouts are daily or weekly, depending on what you choose.
No. They pay from the link or from their client space, with no account to create, and the 3DS authentication is their bank's.
A few minutes. Your account is already connected to Ezus and there is nothing to build. Four one-minute videos explain the rest at docs.ezuspay.io.
Other comparisons
Compare Ezus Pay with the other ways of collecting payments.