SEPA direct debits

SEPA? The Single Euro Payments Area!

A simple, safe and effective instrument for presenting direct debits involving the 34 SEPA countries, with the same responsiveness and efficiency as national collections.

For any business model

Core mode

For companies that sell products or services to consumers.

B2B mode

For companies whose collections come from other companies.

Immediate liquidity

You can collect payment for your invoices as soon as they are issued, if your company needs liquidity.

Improve commercial risk

B2B mode improves non-payment risk for your company by reducing the return period to three days.

All in a single file and with a single account

Everything is easier. You can manage all the collections from a single remittance, including both national and SEPA country collections, using the same issuer.

Save time and admin costs

You can do everything electronically using our companies website.

Recovery service

Forget about chasing people up.

We help you manage the returns of your bills with our collection service. This is a new service that allows you to resend returned bills automatically.

File management service

All your orders, payments and collections in a single tool

A service that doesn't need downloads or additional software. A service that makes everything easier.
Find out more about file manager

Ver SEPA direct debit conditions SEPA direct debit conditions

Fees for the SEPA direct debit service are negotiated individually with each customer. Depending on the settlement method, these are:

Collections management facilities

  • Costs associated with the issue. This can be a percentage of the nominal value of the bill or a fixed amount.
  • Costs related to the return. This can be a percentage of the nominal value of the bill or a fixed amount.
  • Costs associated with the recovery service. This can be a percentage of the nominal value of the bill recovered or a fixed amount.

Postal costs may also be charged, if the duplicate paper bill service is used.

Lines of discount

  • Direct debit discounting conditions (reference + advance payment spread).
  • Costs related to the return. This can be a percentage of the nominal value of the bill or a fixed amount.
  • Costs associated with the recovery service. This can be a percentage of the nominal value of the bill recovered or a fixed amount.

Postal costs may also be charged, if the duplicate paper bill service is used.

Ver FAQs FAQs

What is SEPA?

The Single Euro Payments Area (SEPA) is an area in which the public, companies and other economic agents can make and receive payments in euros with the same terms and conditions, rights and obligations, regardless of where they are. The Single Euro Payments Area comprises the member states of the European Union and Iceland, Liechtenstein, Norway, Switzerland, Monaco and San Marino.

I don't work with foreign customers. How does SEPA affect me?

Since SEPA came into being, SEPA instruments have been used for all electronic payments and collections in euros, both national and cross-border.

Can I send direct debits for different countries in the same file?

Yes. As long as they are in euros and are in the SEPA area.

Can I send CORE and B2B direct debits in the same file?

No. You need a different file for each of these.