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How to Accept SEPA Direct Debit Payments

The Single Euro Payments Area (SEPA) is an initiative of the European Union to simplify payments within and across member countries. They established and enforced banking standards to allow for the direct debiting of every Euro-denominated bank account within the SEPA region, facilitating more than 20 billion transactions every year.

In order to debit an account, you must collect your customer’s name and bank account number in IBAN format. As part of the payment confirmation, customers must accept a mandate that authorizes you to debit the account.

Payment Method TypeBank debit
Relevant Payer GeographyAustria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Monaco, Netherlands, Norway, Poland, Portugal, Romania, San Marino, Slovakia, Slovenia, Spain, Sweden, Switzerland, United Kingdom
Presentment CurrencyEUR
Country AvailabilityAustralia, Austria, Belgium, Bulgaria, Canada, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hong Kong, Ireland, Italy, Japan, Latvia, Lithuania, Luxembourg, Malta, Mexico, Netherlands, New Zealand, Norway, Poland, Portugal, Romania, Singapore, Slovakia, Slovenia, Spain, Sweden, Switzerland, United Kingdom, United States
Recurring PaymentsYes
RefundsYes
DisputesYes
Payment Completion6 business days
Payment method properties

Enable SEPA

Embedded and Overlay Forms

Enable SEPA Direct Debit in the “Payment Methods” custom field within the “Form Fields” tab of your Payment Form. 

Accept SEPA on-site
Stripe Checkout

Enable SEPA Direct Debit in the “Stripe Checkout” tab of your Payment Form. 

Accept SEPA with Stripe Checkout

SEPA Payment Flow

View our SEPA Direct Debit demo payment forms to further understand the payment flow.

Transaction fees are assessed per successful payment. See Stripe's pricing for details.

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Updated on May 6, 2022