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SEPAEurozone · low-fee · 36 countries

Bank transfers,
without the fees.

SEPA is the cheapest way to accept payments across the Eurozone. Send a payment link, your customer authorises a bank transfer or direct debit mandate, and you keep almost all of the money. Perfect for invoices and recurring subscriptions.

Create your linkFree generator
Free to start Setup in 2 minutes Via Mollie · Stripe
pay.payrequest.io/agency-retainer
N
North Agency
Monthly retainer · December
Total
€2,400.00
SEPA
Pay with SEPA
Selected
Pay €2,400.00
€0.20
per transfer
36
SEPA countries
~0%
of value in fees
1×
mandate, ∞ payments
Definition

What is SEPA Direct Debit?

SEPA Direct Debit is the Eurozone's bank-debit standard — a low-fee mandate-based pull payment that runs across 36 European countries.

SEPA Direct Debit (SDD) is part of the Single Euro Payments Area, a regulatory framework that unifies bank transfers and direct debits across 36 European countries. Your customer signs a SEPA mandate once — typically inside the hosted checkout from your SEPA payment link — and from that moment you can pull funds from their IBAN on a recurring schedule.

With PayRequest, SEPA mandates are captured by sharing a payment link. Subsequent charges run automatically with PayRequest's dunning automation retrying any failed pulls at the right intervals. The same flow handles one-off invoices, monthly retainers, hosting subscriptions, agency contracts and any other recurring B2B billing.

SEPA is by far the cheapest payment method in Europe — typically €0.20 per pull via Mollie, or 0.8% capped at €5 via Stripe. Versus 1.4% card fees on a €2,400 invoice, that's tens of euros saved per transaction. PayRequest charges 0% on top.

Why SEPA

Everything you need. Nothing extra.

Lowest fees in Europe
From €0.20 per transfer — no percentage, no surprises. Massive savings on big invoices.
Recurring on autopilot
Customer signs a SEPA mandate once. After that you collect every month, automatically.
Bank-grade trust
SEPA is regulated by the European Central Bank — your customers know and trust it.
All Eurozone countries
36 countries: NL, DE, FR, ES, IT, BE, AT, IE and more — one method, whole continent.
Made for B2B
Companies prefer SEPA over cards: fewer chargebacks, predictable cash flow, IBAN reconciliation.
Failed payment retries
Auto-retry SEPA pulls when they fail, with smart timing built in.
SEPA payment link

One link. SEPA ready.

  • Email a link, get paid via bank transfer — no chasing, no manual reconciliation
  • Set up SEPA Direct Debit once for recurring invoices and subscriptions
  • Combine with PayRequest's payment matching to auto-link incoming transfers to invoices
  • Stripe and Mollie supported — pick your provider
  • Great fit for retainers, hosting subscriptions, agency invoices, B2B contracts
Start free
3 steps
01
Create your link
Set the amount, add a description, choose SEPA as a payment method.
02
Share anywhere
WhatsApp, email, SMS, QR — copy the link, paste anywhere.
03
Get paid
Customer taps the link, pays with SEPA, money lands in your account.
Popular for
AgenciesHosting providersB2B SaaSBookkeepersConsultantsMembershipsWholesalersService businesses
FAQ

SEPA payment links

What is a SEPA payment link?
A SEPA payment link lets your customer pay you via bank transfer or set up a direct debit mandate inside the Eurozone. They click the link, fill in their IBAN, confirm — done. Perfect for B2B invoices and subscriptions.
What's the difference between SEPA Credit Transfer and SEPA Direct Debit?
Credit Transfer = your customer pushes the money to you (one-off invoices). Direct Debit = you pull money from their account on a schedule (subscriptions, retainers). Both are supported via PayRequest payment links.
How much does SEPA cost?
SEPA is the cheapest payment method in Europe. Mollie charges around €0.25 per transfer; Stripe charges 0.8% capped at €5 for direct debits. PayRequest itself charges 0%. Massive savings on invoices over a few hundred euros.
How long does a SEPA payment take?
SEPA Instant (newer, supported by most banks) settles in under 10 seconds. Standard SEPA settles within 1 business day. SEPA Direct Debit pulls funds within 2-3 business days of the scheduled date.
Which countries support SEPA?
All 36 SEPA member states: every Eurozone country plus Switzerland, UK, Norway, Iceland, Liechtenstein, Monaco and others. Coverage is essentially the entire European economic area.

Send a SEPA link in 60 seconds

Free to start. No card required. Connect your provider, share a link, get paid.

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