Many advanced and easy-to-use features

The funds are secured in a digital safe until the transaction is approved by the buyer and seller. The ring-fencing of funds is ideally suited to the sale of goods and services on marketplaces and adverts sites to secure exchanges and generate more trust.

The buyer's funds are paid directly to the seller without any intermediate blocking period. Immediate payment is particularly suitable for payments for options, licences, and purchases on e-commerce platforms or in physical shops.

The buyer's funds are secured and then paid to the seller once the seller has shipped the order.

The buyer's funds are secured until the order is received by the buyer. Once the order is delivered, the seller is paid.

Secure funds directly on a user's bank account via their bank card, for 7 days or 30 days.

The buyer's funds are secured and then paid to the seller once the seller has shipped the order.

The buyer's funds are secured until the order is received by the buyer. Once the order is delivered, the seller is paid.

Accept payments with the cards most commonly used by your customers to facilitate and multiply your number of transactions in a simple and secure way with mandatory 3DS authentication.

Allow your customers to pay by bank transfer from £200 upwards to settle a transaction or fund their e-wallet in anticipation of a payment. Bank transfers are ideal for large payments and provide an additional and popular payment option for your customers.

When your customers have funds in their e-wallet after a purchase or sale, they can reuse it for a new transaction. With balance-based payment, you encourage the reuse of funds and increase your number of transactions.

Offer payment facilities with immediate acceptance or rejection of financing, communication of the payment schedule and full payment by the seller. In this way, you improve the purchasing power of your customers, encourage higher average baskets and increase your conversion rate to increase your revenue.

Through Obvy's integrated carrier partners or your own carriers, integrate delivery to enable remote transactions.

For transactions that involve the buyer and seller meeting, Obvy API offers payment by QR CODE scan or encrypted code entry.

In addition to payment by scanning a QR CODE or entering an encrypted code, transactions with in-store collection allow the location and time of collection of the order to be entered in order to organise appointments at the point of sale.

Service transactions allow for the establishment of a security period to define a period during which only the seller can cancel the transaction.

This option is ideal for combating untimely cancellations, no-shows, and attempts at non-payment when the service has been completed.

Allow your customers to create a complete shopping cart, which can mix several items of different natures (goods and services), with different delivery modes (hand delivery, delivery, click & collect...) with several sellers.

Mondial Relay, Obvy's partner carrier, is one of the leaders in parcel distribution in France and Europe with a network of nearly 11,000 relay points in France and more than 58,000 in Europe.

Chronopost, Obvy's partner carrier natively integrated into the solution, is the French leader in express parcel delivery to individuals and companies with 39,000 Pickup relays in Europe.

Colissimo, Obvy's partner carrier natively integrated into the solution, is La Poste's delivery service for private individuals and offers several delivery options: in a post office (10,000), in a Pickup Relay (15,000), in a left-luggage office (500) or at home.

Cocolis, an Obvy partner that is natively integrated into the solution, is a service that puts people in touch with each other for the transportation of goods in France.

If you already have contracts with transport companies that are not Obvy partners, you can synchronise events between your carrier information system and Obvy API to benefit from the solution's features and services.

If the buyer and seller agree to the return of the order, allow for a return label to be issued. Once the package is delivered, the transaction is released and the buyer is credited to their e-wallet.

Allow your buying and selling customers to add visual evidence or documents to generate more confidence in transactions.

For example, the video evidence system is optimal when the seller films the good and its packaging, and the buyer films the unpacking of the package and the good he received.

Other resources (photos, documents...) can also be exchanged. All this evidence is hosted by Obvy.

All the elements of these pages (colours, texts, logos, redirection links, options...) are customisable in order to offer interfaces in line with your company.

Access to pages where sensitive actions can be carried out (identity verification, withdrawal, transaction finalisation) are equipped with a double authentication system by sending a security code by SMS.

To enable your users to make payments, we provide you with our customisable payment pages, where the payment methods displayed are configured by your company.

In order to allow your users to carry out identity verification (natural or legal person), all the steps related to the KYC (Know Your Customer) procedure are already set up and ready to use.

When your users have funds in their e-wallet, for example as a result of a sale, a commercial gesture or a refund, they can transfer these funds to their bank account via this interface.

Whether it is a transaction of goods or services, in person or by delivery, we provide you with the interfaces for finalising the buyer and seller transaction, the methods of which depend on the type of transaction (validation button, encrypted code to be entered, QR CODE scan).

If you want to avoid the development of API integration for delivery management, this can also be managed by buyers and sellers directly on our hosted pages. Buyers and sellers can choose their carrier, package format, enter their delivery information, generate their delivery note and track their package.

For delivery transactions, offer suitable dispute resolution options to get out of a contentious situation without the buyer or seller feeling aggrieved.

Returned parcels

If the buyer and seller agree to the return of the order, allow for a return label to be issued. Once the package is delivered, the transaction is released and the buyer is credited to their e-wallet.

Price changes

Instead of returning the package, the seller can offer a discount on the original selling price to the buyer. When the offer is accepted, the seller receives the new selling price and the buyer is credited with the difference to their e-wallet.

In the case of a hand-delivered, click & collect or service transaction, the buyer and seller can negotiate the sale price until the transaction is finalised.

In a delivery transaction, the buyer and seller can negotiate the selling price until the transport label is issued, and then in the event of a dispute via the price change.

You can make commercial gestures by crediting a customer's e-wallet.

You can choose the type of transfer to be made:

• Either the money credited can be withdrawn by the customer.
• Either the money credited cannot be withdrawn and can only be used for payment in a future transaction.

Allow your users to instantly withdraw their funds after a sale. Your customers can transfer them to their bank account, which is credited in seconds. You can add instant withdrawal fees, in fixed and/or variable values.

Based on more than 30 control points, the Obvy API anti-fraud system is natively integrated into the solution and allows to identify abnormal behaviour and isolate the customers concerned.

Performed via a customised page hosted by Obvy, identity verification allows users to be identified and thus meet regulatory requirements. With two turnkey verification paths depending on the type of customer (individual or business), which can be coupled with dynamic facial recognition, the Obvy API identity verification system provides a seamless and secure experience.

All sensitive information is hosted by Obvy. So you don't have to plan for secure storage or make new investments.

Commissions on payments

Set your fee tiers to fixed and/or variable values, customise them according to the type of customer, individual or professional, and easily create special fee tiers according to your customer cohorts to offer them specific rates.

Commissions on deliveries

Define the freight charges paid by your customers for the different carriers offered, and customise them according to the type of customer, private or professional, and easily create special charge levels according to your customer cohorts to offer them specific rates.

Access your users' information, analyse their activities and purchase behaviour, and act on their opportunities to act.

Monitor your customer's transactions by viewing all associated information, and act on it if necessary.

Visualise analytical data about your customers, their transactions and their behaviour. You can also export this data for use in your analytics and data visualisation software.

Create your invoice template for editing and sending to your customers, access accounting information related to transactions, and export it for analysis, injection to your specific software or for sharing with your accounting firm.

Rely on our ready-to-use transactional emails and customise them to automate communications with your users, so that they receive important information about managing their accounts and transactions.

Automate the collection of documents from businesses by entering their SIRET number (France). You can then greatly simplify verification of the identity of professionals and optimise their authentication process.

Create promotional code campaigns via our no-code generator integrated into your administration interface and maximise your customer acquisition.

You can define the name, value, and type of promo code you want to create (multiple or single use), and set up your campaigns with the choice of the maximum budget allocated as well as the validity period of the generated codes. Once your codes have been created, you can monitor their performance and edit them.

Reward and retain your customers via our matching tool. Funds added to a user's balance cannot be withdrawn, but can only be used on your platform. This way, you can easily encourage your customers to make new transactions. Credits can be made manually or automatically.