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SEPA payment providers

SEPA: companies, offers and requests that work with this method.

23 requests

GridList
SHOKRAN seeks vIBAN, SEPA / FPS and a card programme for the EU and UKRequestMerchant· October 13, 2026GoodPay invites banks, EMIs and payment institutions into its A2A networkRequestPayment provider· October 13, 2026Two Cyprus service companies need accounts, SEPA/SWIFT, cards and payrollRequestMerchant· October 13, 2026Canadian MSB needs individual euro collection IBANs with SEPA InstantRequestMerchant· October 13, 2026Bank or fintech needed for B2B inflows from sweepstakes operators and corporate cardsRequestMerchant· October 13, 2026Fintech startup seeks BaaS with ACH, cards and KYC/KYB via APIRequestMerchant· October 13, 2026Europe teams for IBAN and SEPA Instant (EUR)RequestPayment provider· October 5, 2026European platform: multi-currency accounts and payment linksRequestPayment provider· August 28, 2026Payment infrastructure for institutional and digital-asset companiesRequestPayment provider· July 16, 2026Canadian platform for international business paymentsRequestPayment provider· July 9, 2026UK platform: EUR/GBP business accounts, FX and payments APIRequestPayment provider· July 8, 2026UK EMI: EUR/GBP IBANs, Faster Payments and merchant acquiringRequestPayment provider· June 30, 2026European EMI: EUR accounts, SWIFT and EEA payment collectionRequestPayment provider· June 29, 2026Consumer lender needs pay-ins and payouts in Argentina, Colombia, Peru and RomaniaRequestMerchant· June 24, 2026UK EMI: client IBANs, SEPA/SWIFT and Visa issuing programmesRequestPayment provider· June 22, 2026UK streamer platform seeks GBP acceptance and mass payoutsRequestMerchant· June 21, 2026Instant SEPA P2P via Zen Bank: 7.5% pay-in, 3.5% pay-outRequestPayment provider· June 1, 2026Named EUR IBAN and crypto on/off-ramp via a Swiss payment institutionRequestPayment provider· May 7, 2026

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.