SEPA payment providers
SEPA: companies, offers and requests that work with this method.
SHOKRAN seeks vIBAN, SEPA / FPS and a card programme for the EU and UK
SHOKRAN vIBAN accounts and cards are needed for the EU and UK so the company can embed financial services in a consumer app. The group website names ShokranPay Inc. and Finvoka Payments Inc. What is…
Looking for:Payment providers
GoodPay invites banks, EMIs and payment institutions into its A2A network
GoodPay is building an A2A payment network and invites banks, e-money institutions (EMIs) and payment institutions. Members connect to an API to receive and send transfers, while funds are held and…
Looking for:Payment providersTeams
Two Cyprus service companies need accounts, SEPA/SWIFT, cards and payroll
Two service companies in Cyprus are looking for corporate banking in Cyprus: current accounts, international transfers, cards and staff payroll. The requester stresses that neither company holds…
Looking for:Payment providers
Canadian MSB needs individual euro collection IBANs with SEPA Instant
A Canadian money service business (MSB) is looking for named EUR vIBANs to collect payments from Europe. Each payer should get a dedicated virtual IBAN, with funds arriving via SEPA and SEPA Instant…
Looking for:Payment providers
Bank or fintech needed for B2B inflows from sweepstakes operators and corporate cards
The requester is looking for sweepstakes business banking: a bank or fintech that will open a corporate account to receive B2B payments from sweepstakes operators. On top of the account…
Looking for:Payment providers
Fintech startup seeks BaaS with ACH, cards and KYC/KYB via API
A founder is looking for a fintech BaaS provider for a product they are building in-house. They need a provider for issuing cards, sending and receiving ACH transfers, opening accounts with dedicated…
Looking for:Payment providers
Europe teams for IBAN and SEPA Instant (EUR)
In October 2026 the author opened recruitment of SEPA Instant teams with European IBAN accounts. Settlement is in euros, and no specific European countries are listed. Method SEPA Instant is the euro…
Looking for:Teams
Security deposit: from 500 USDT
Bank transferSEPA
IN 9%
RespondEuropean platform: multi-currency accounts and payment links
A European platform combines multi-currency accounts, corporate cards and tools for collecting money. A separate option offers EUR IBANs and fiat conversion to eligible crypto companies. The offer…
Looking for:Merchants
Payment infrastructure for institutional and digital-asset companies
Payment infrastructure for companies in the digital-asset space: PSPs, VASPs, crypto exchanges, custodians and other institutional digital-asset businesses. The offer was published in July 2026…
Looking for:Merchants
Canadian platform for international business payments
A Canadian platform gives companies accounts in several currencies and local account details in three regions at once: Canada, Europe and the United Kingdom. It claims coverage of more than 180…
Looking for:Merchants
UK platform: EUR/GBP business accounts, FX and payments API
A UK platform opens euro and sterling accounts for companies that deal with customers and suppliers in several countries. The offer was posted in July 2026 and is aimed at fintech, SaaS, e-commerce…
Looking for:Merchants
UK EMI: EUR/GBP IBANs, Faster Payments and merchant acquiring
A UK EMI combines dedicated EUR and GBP IBANs, domestic and international transfers and merchant acquiring, meaning card acceptance from shoppers, in a single package. The offer was published at the…
Looking for:Merchants
European EMI: EUR accounts, SWIFT and EEA payment collection
A European EMI opens EUR SEPA IBANs and multi-currency accounts for regulated companies that settle internationally. The offer appeared in June 2026 and targets PSPs, EMIs, fintechs and licensed…
Looking for:Merchants
Consumer lender needs pay-ins and payouts in Argentina, Colombia, Peru and Romania
IceTree Ltd. is looking for payment providers for a consumer lender: the client issues loans in several countries and needs local rails both to collect repayments and to disburse loans. The lender…
Looking for:Payment providers
UK EMI: client IBANs, SEPA/SWIFT and Visa issuing programmes
A UK EMI with direct Visa membership offers licensed fintech companies and PSPs the infrastructure for their own payment products. The core of it is card issuance and white-label card programmes. The…
Looking for:Merchants
UK streamer platform seeks GBP acceptance and mass payouts
A UK platform for creators and streamers is designing its payment architecture and looking for a provider. The request was published in June 2026; according to the author the company is registered as…
Looking for:Payment providers
Instant SEPA P2P via Zen Bank: 7.5% pay-in, 3.5% pay-out
A provider offers payment acceptance through Instant SEPA on a P2P basis. Transfers go through Zen Bank, and the merchant is settled in USDT on the day of the transaction. The SEPA terms were posted…
Looking for:Merchants
SEPA
IN 7.5%
RespondNamed EUR IBAN and crypto on/off-ramp via a Swiss payment institution
This offer targets companies that need a EUR IBAN in their own name plus a link to crypto. The account comes with a Maltese domicile, and the provider is a licensed payment institution under Swiss…
Looking for:Merchants
By country
What SEPA payments are
SEPA (Single Euro Payments Area) is the euro bank transfer system covering the EU, EEA and several other countries including the UK and Switzerland. It has three main schemes: SEPA Credit Transfer (SCT, usually next business day), SEPA Instant (SCT Inst, seconds, 24/7) and SEPA Direct Debit (see direct debit). For merchants SEPA is a low-cost way to collect euro payments and to pay out to IBANs.
How to accept SEPA payments
- Virtual IBANs: the provider issues a unique IBAN per customer or per invoice and reconciles incoming transfers automatically.
- Pay-by-bank via open banking: the customer authorises a SEPA Instant transfer from their bank app — no manual typing of IBANs.
- Payment page with bank transfer instructions: simplest, but reconciliation is slower.
SEPA payouts and API
A SEPA payout API lets you send refunds, affiliate commissions or marketplace payouts to any IBAN in the zone. Check whether payouts go through SCT Inst, what the cut-off times are, and how failed transfers are returned. For mass payouts see payouts providers.
Fees, limits and risk
SEPA fees for merchants are typically a flat amount per transfer rather than a percentage, which makes it attractive for large tickets. SEPA Instant has a per-transaction limit set by the scheme and individual banks. Credit transfers cannot be charged back like cards, but SEPA Direct Debit can be reversed by the payer for weeks. Risk teams still look at the source of funds, especially for iGaming, forex and crypto.
Choosing a SEPA provider
- Licence: EMI or bank, safeguarding of client funds.
- Named vs pooled virtual IBANs, country of the IBAN (some customers prefer local prefixes).
- SEPA Instant availability for both pay-ins and payouts.
- Accepted verticals and onboarding time.
{count} companies here work with SEPA. Related: SEPA in the UK, SWIFT, EMI and payment institutions, business accounts. Check the Offers tab or post a request.