{"id":16297,"date":"2024-03-20T09:12:22","date_gmt":"2024-03-20T08:12:22","guid":{"rendered":"https:\/\/docs.centralpay.com\/documentation\/merchant-accounts-and-sales-channels\/em-accounts\/"},"modified":"2026-08-12T15:12:35","modified_gmt":"2026-08-12T13:12:35","slug":"em-accounts","status":"publish","type":"docs","link":"https:\/\/docs.centralpay.com\/en\/documentation\/merchant-accounts-and-sales-channels\/em-accounts\/","title":{"rendered":"EM Accounts"},"content":{"rendered":"\n<pre class=\"wp-block-preformatted\">\u2139\ufe0f Reserved exclusively for DME agents and their sub-merchants.<\/pre>\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p class=\"wp-block-paragraph\">EM (Electronic Money) accounts are used to store and exchange funds in a CUSTOM currency (a currency dedicated to a DME agent). A DME agent may request the creation of EM accounts for the sub-merchants in its network and then carry out EM fund transfers between these accounts. <\/p>\n\n<p class=\"wp-block-paragraph\">The holder of an EM account may only receive payments and use their electronic money through the DME agent. However, they may request a refund of their electronic money at any time and will receive their funds in an ISO currency: either to their bank account via SEPA transfer, or to their bank card, depending on their account settings. <\/p>\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p class=\"wp-block-paragraph\">You can view the details of your EM accounts via the following access points:<\/p>\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-fill\"><a class=\"wp-block-button__link has-small-font-size has-custom-font-size wp-element-button\" href=\"https:\/\/test-backoffice.centralpay.net\/admin\/actor\/account#wallet_tab\" target=\"_blank\" rel=\"noreferrer noopener\"><code>Recette<\/code> Merchant Portal &#8211; Electronic money accounts<\/a><\/div>\n<\/div>\n\n<div style=\"height:10px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-fill\"><a class=\"wp-block-button__link has-small-font-size has-custom-font-size wp-element-button\" href=\"https:\/\/backoffice.centralpay.net\/admin\/actor\/account#wallet_tab\" target=\"_blank\" rel=\"noreferrer noopener\"><code>Production<\/code> Merchant Portal &#8211; Electronic money accounts<\/a><\/div>\n<\/div>\n\n<h2 class=\"wp-block-heading\">1. Usage<\/h2>\n\n<p class=\"wp-block-paragraph\">EM accounts are mainly used to enable individuals to easily receive and exchange funds in the following contexts:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>C2C marketplaces for products or services<\/li>\n\n\n\n<li>Storage and use of gift values within a network of independent merchants<\/li>\n<\/ul>\n\n<h2 class=\"wp-block-heading\">2. Specifics<\/h2>\n\n<p class=\"wp-block-paragraph\">The CMF (Monetary and Financial Code) sets out specific conditions for electronic money. As such, there are two types of EM accounts at CentralPay: <\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>Anonymous EM account: <\/strong>This account may be opened without verifying the holder\u2019s identity, provided it is issued to an individual and is limited to a balance or collections of \u20ac150 over 30 days. This type of account is particularly useful for occasional use by its holder, or simply to simplify onboarding with the DME agent. <\/li>\n\n\n\n<li><strong>Verified EM account:<\/strong> An anonymous account may subsequently be verified by CentralPay\u2019s compliance teams (KYC procedure) to increase the limits imposed on it; it then becomes &#8220;verified&#8221;.<\/li>\n<\/ul>\n\n<h2 class=\"wp-block-heading\">3. Creating EM accounts<\/h2>\n\n<p class=\"wp-block-paragraph\">If you are a CentralPay DME agent, you can request the creation of EM accounts for your sub-merchants.<\/p>\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n","protected":false},"excerpt":{"rendered":"<p>\u2139\ufe0f Reserved exclusively for DME agents and their sub-merchants. EM (Electronic Money) accounts are used to store and exchange funds in a CUSTOM currency (a currency dedicated to a DME agent). A DME agent may request the creation of EM accounts for the sub-merchants in its network and then carry out EM fund transfers between [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":16281,"menu_order":5,"comment_status":"open","ping_status":"closed","template":"","doc_tag":[],"doc_badge":[136],"class_list":["post-16297","docs","type-docs","status-publish","hentry","doc_badge-wallet","no-post-thumbnail"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>EM Accounts - CentralPay Documentation<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/docs.centralpay.com\/en\/documentation\/merchant-accounts-and-sales-channels\/em-accounts\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"EM Accounts - CentralPay Documentation\" \/>\n<meta property=\"og:description\" content=\"\u2139\ufe0f Reserved exclusively for DME agents and their sub-merchants. 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