• ARM for SEPA

Our client

PayPal, a leading global payments company, allows any business or individual with an email address to securely, conveniently and cost effectively send and receive payments online. The company’s network builds on the existing financial infrastructure of bank accounts and credit cards to create a global, real time payment solution. PayPal delivers a product ideally suited for small businesses, online merchants, individuals and others currently underserved by traditional payment mechanisms.

The challenge

PayPal was receiving payments with incomplete or inconsistent payment information, which hampered its ability to automate allocation and reconciliation. While some payments can be reconciled through a manual process, others have to be returned.

The solution

We developed Accounts Receivable Manager (ARM) for SEPA with PayPal.  ARM is a corporate cash management solution designed to help global organisations streamline and simplify the complexities of receivables management.

ARM is a fully automated payer identification solution that enables auto reconciliation of incoming SEPA credit transfers, while significantly reducing the need to maintain multiple bank accounts for separate lines of businesses.


ARM helps PayPal manage their euro receivables across Europe using a single consistent reconciliation process, while also reducing administrative costs and increasing customer satisfaction.


The solution enables PayPal to use millions of IBANs (International Bank Account Numbers) for its customers, allowing fully automated payer identification without the need to match existing client data, and improving auto reconciliation rates for PayPal by up to 100%.


Katja Lehr, Director EU Core Payments Management at PayPal, said:

“We connected with Deutsche Bank, a trusted partner we have been working with for many years, to develop the Accounts Receivable Manager. As a global organisation, it is important to us to have a single solution which works throughout Europe, while also providing the look and feel of a local solution to our users.”