aRTICLES & ressources

SEPA 101

Discover the intricacies of the Single Euro Payments Area and the different payment methods it offers to companies.

Latest publications

SEPA rulebook digest for 2023: what to look for

Every year, the European Payments Council (EPC) updates their SEPA payment schemes rulebooks, which are the set of rules, practices, and standards to achiev ...

The main differences between SEPA Direct Debit Core and B2B

SEPA Direct Debit Core and SEPA Direct Debit B2B both enable regular payments for recurring obligations such as bills, rent, and subscriptions. Functionally ...

SEPA messages: what they are and how they work

What kind of SEPA messages exists? What are their syntax and format? How ISO 20022 sets the standards of messages used by SEPA direct and indirect participa ...

Local payment schemes in the UK: CHAPS, BACS, FPS and ATP explained

Though the United Kingdom is within SEPA, the UK relies extensively on local payment schemes because its currency - the pound sterling – is not supported by ...

SEPA payments by the numbers

How do SEPA payments compare to other common payment methods in the eurozone? How quickly do the newer SEPA methods progress in the area? ...

R transactions for SEPA indirect participants

In addition to regular SEPA payment flows, SEPA indirect participants have access to additional payment flows. These flows are known as R-transactions. ...

SEPA Instant Credit Transfer

Instant payments in Europe in 2022 are at an inflection point. The SEPA Instant Credit Transfer scheme finally has broad adoption throughout Europe and planned regulation is aiming to remove remaining frictions.

Payment operations teams are presented with a unique opportunity to build better experiences and make treasury workflows finally real-time.

Download the Guide

Download the Guide

The different stakeholders involved in SEPA

In this article, we outline the key organisations behind SEPA. We examine the role each organisation plays and look at how those actors involved in a SEPA p ...

The different SEPA payment schemes

The first SEPA payment scheme was introduced in 2008, called SEPA Credit Transfer. Since then, SEPA’s functionality has since expanded significantly. Today, ...

Common characteristics of a SEPA payment

SEPA payments are highly standardised, with scheme rules set by the European Payments Council (EPC). Though every SEPA scheme has unique characteristics, th ...

SEPA, its history, and its members

Since 2008, the Single European Payments Area (SEPA) has made euro-denominated bank payments simpler and faster. In 2021, SEPA payments accounted for more t ...

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