SEPA facilitates payments across 36 European countries.

SEPA processings 20 billion transactions a year.

SEPA Direct Debit has proven more popular than SEPA Credit transfer for corporate purchases across europe where corporate cards have a low market penetration rate.

What Is SEPA Direct Debit?

Take Direct Debits seamlessly and quickly across the Single Euro Payments Area, aka – SEPA. With direct bank-to-bank communication, SEPA direct debit communicates directly with the bank and outside of card networks to pull payments from a customers’ bank.

Responsible for more than 20 billion transactions a year across 36 European countries; SEPA is a leading method of payment online in the Netherlands, Belgium, France, Germany and Poland.

View More In Our Developer Documentation

Payment TypeCommerce ChannelChargebacksRecurringRefunds

Payment Type

Bank Transfer

Commerce Channel

E-commerce

Chargebacks

Recurring

Refunds

How Does It Work?

1
Step 1

The customer chooses to checkout with SEPA Direct Debit.

2
Step 2

A customer sets up a Direct Debit mandate with their banking credentials.

3
Step 3

The customer is notified that their payment is complete.

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Frequently Asked Questions

To get a merchant account, all you need to do is send us an application. You’ll be partnered with one of our banking partners in order to provide you with the best merchant account options that are cost-effective and suit your business best.
A merchant account is a business bank account. It’s used to receive payments from debit and credit cards for your products or services. Payments are held in your merchant account until they are settled into your bank account.
The cost of your merchant account will depend on various factors such as the type of industry and/or the level of risk involved in your business. For example, a high-risk merchant account would cost more than a low-risk merchant account.