SEPA
Who accepts SEPA?
SEPA is for euro bank rails: one-off transfers and recurring Direct Debit. Use this when invoices or subscriptions should leave the customer’s bank account, not a card form. Card acquirers are the wrong first filter.
| Provider | Accepts | Best for | Starting take (public) |
|---|
Mollie and Stripe list SEPA Direct Debit at a low fixed fee. Wise Business is a bank-transfer rail, not card acquiring. Mandate and failure handling still sit with you.
Dutch checkout is often iDEAL, not SEPA. Cross-border settlement without a bank can be USDC.