![](https://www.novalnet.com/wp-content/uploads/2022/05/bnr-escrow-accounts.jpg)
Insolvency proof
A life-saver when it comes to mitigating financial risk. Funds from transactions always remain in an insolvency-proof escrow account until they are paid out to you.
Zero risk
Your funds are 100% protected against any risk of non-payment, with disbursements made directly from the escrow account.
100% compliance
Fully compliant with all regulatory requirements, which are regularly verified and documented by BaFin, German Bundesbank and auditors.
![](https://www.novalnet.com/wp-content/uploads/2022/04/Layer-11-1.png)
Why an escrow account?
- Our main focus is your peace of mind. Escrow accounts help funds from all your transactions remain guarded from any misappropriation or insolvency.
- All transaction amounts go directly to the escrow account where the funds stay until they’re paid out to you directly according to the agreed schedule.
- We can also open escrow accounts for the resellers, partners or affiliates of a merchant.
More ways we protect your money
![](https://www.novalnet.com/wp-content/uploads/2022/04/icons8-artificial-intelligence-49.png)
AI-based fraud prevention
We secure your business proactively, stopping payment fraud and chargebacks before they damage your business’ integrity.
![](https://www.novalnet.com/wp-content/uploads/2022/04/icons8-filing-cabinet-50.png)
Receivables management
Novalnet’s automated receivables management system keeps your cash inflow at its optimum, and helps you keep a close watch on your receivables.
![](https://www.novalnet.com/wp-content/uploads/2022/04/icons8-headset-50-1.png)
Debt collection
Any debts are automatically transferred to our partner debt collection agencies who will take care of processing and tracking your claims.
Start accepting payments in 3 steps
![Sign Up](https://www.novalnet.com/wp-content/themes/wp-bootstrap-starter/images/signup-icon.png)
1. Create account
Register your details to access the payment dashboard.
![E-sign](https://www.novalnet.com/wp-content/themes/wp-bootstrap-starter/images/e-sign-icon.png)
2. E-sign
Complete and e-sign our simple contract and upload a minimal set of documents.
![Integrage](https://www.novalnet.com/wp-content/themes/wp-bootstrap-starter/images/integrate-icon.png)
3. Integrate
Start accepting payments instantly with easy integration