secupay: regulated payment and escrow infrastructure for crowdfunding platforms
secupay offers a ZAG-compliant payment infrastructure designed specifically for crowdfunding and crowdinvesting platforms. It enables secure fund collection, escrow management, automated disbursements, and long-term investor payouts — covering the full lifecycle from onboarding to final repayment.
End-to-end payment flows for crowdfunding and crowdinvesting
secupay operates under German and EU financial regulations, ensuring insolvency-proof escrow accounts, compliant fund handling, and reliable automation for both donation-based crowdfunding and investment-driven models.
- Key capabilities that secupay offers include:
- Insolvency-proof escrow accounts (ZAG-compliant)
- Automated onboarding and investor identification via API
- Fund collection with project-specific IBANs
- Payment splitting for platform fees, commissions, and stakeholders
- Automated disbursement, refunds, and repayment handling
- Interest and principal payments with tax (KapESt) processing
- Data portal (secuOffice) with API access for reporting and exports
- Escrow accounts
- Payment splitting
- Automated disbursements
- Interest & principal payments
- Tax handling (KapESt)
- Best for Germany & EU-regulated platforms