Payment methods

Accept SEPA – Simplifying banking across Europe

Seamless, quick and cost-effective direct debits across 36 European countries. SEPA facilitates more than 20 billion transactions a year.

Key benefits

Quick and affordable European payments

SEPA provides a Europe-wide Direct Debit system, facilitating quick and affordable euro bank transfers for millions of customers. All within a guaranteed time-frame.

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Suits your business

Flexibly supports one-click, one-time and recurring payments.

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Slick transaction flows

Ensure a smoother checkout with this quick and convenient payment method.

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Simple cross-border payments

Convenience and standardization across Europe – avoid cross-border fees.

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Expand your reach

Access to over 520 million potential customers across 36 countries.

Add SEPA to your payments flow

Let's get you up and running with SEPA so you can get more value from every transaction. Reach out to our local experts today.

Payment method features

Accept SEPA with Checkout.com

Expand your reach and drive better conversion with the payments methods your customers love. Wherever they are.

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Payment type

Direct debit

Merchant countries *

Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Switzerland, United Arab Emirates, Saudi Arabia, Kuwait, Oman, Bahrain, Qatar, Egypt, Jordan, Pakistan, Australia, China, Hong Kong, Malaysia, New Zealand, Singapore, United Kingdom, United States, Argentina, Brazil, Chile, Colombia, Ecuador, Mexico, Paraguay, Peru, Uruguay

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Business countries for SEPA

  • Austria
  • Belgium
  • Bulgaria
  • Croatia
  • Cyprus
  • Czechia
  • Denmark
  • Estonia
  • Finland
  • France
  • Germany
  • Greece
  • Hungary
  • Iceland
  • Ireland
  • Italy
  • Latvia
  • Liechtenstein
  • Lithuania
  • Luxembourg
  • Malta
  • Netherlands
  • Norway
  • Poland
  • Portugal
  • Romania
  • Slovakia
  • Slovenia
  • Spain
  • Sweden
  • Switzerland
  • United Arab Emirates
  • Saudi Arabia
  • Kuwait
  • Oman
  • Bahrain
  • Qatar
  • Egypt
  • Jordan
  • Pakistan
  • Australia
  • China
  • Hong Kong
  • Malaysia
  • New Zealand
  • Singapore
  • United Kingdom
  • United States
  • Argentina
  • Brazil
  • Chile
  • Colombia
  • Ecuador
  • Mexico
  • Paraguay
  • Peru
  • Uruguay

Customer countries

Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Switzerland, Monaco

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Consumer countries for SEPA

  • Austria
  • Belgium
  • Bulgaria
  • Croatia
  • Cyprus
  • Czechia
  • Denmark
  • Estonia
  • Finland
  • France
  • Germany
  • Greece
  • Hungary
  • Iceland
  • Ireland
  • Italy
  • Latvia
  • Liechtenstein
  • Lithuania
  • Luxembourg
  • Malta
  • Netherlands
  • Norway
  • Poland
  • Portugal
  • Romania
  • Slovakia
  • Slovenia
  • Spain
  • Sweden
  • Switzerland
  • Monaco

Min transaction amount

Bank dependent

Max transaction amount

Bank dependent

Processing currency

EUR

Settlement currency **

EUR

Refunds

yes

Partial refunds

yes

Recurring payments

yes

Disputes

yes

Implementation channels

Desktop and mobile

Processing model

Full service (gateway + collecting)

* Subject to service agreements, legal entity location and presence, and company compliance approval. ** Settlement currencies vary based on merchant agreement

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