SEPA (Single Euro Payments Area) Direct Debit was introduced by the European Payments Council to create a standardized payments infrastructure within the EU. With SEPA Direct Debit, businesses can process one-off or recurring payments for EU customers, making it a key payment method for businesses looking to expand across Europe. Benefits include: 

  • Settlement within 2 days
  • Simplified processing for cross-border payments
  • Improved cost efficiency
  • Easy access to European markets

How it works on desktop

Select SEPA DD

Shopper selects SEPA DD from the list of payment options.

Enter details

Shopper provides the account holder name and IBAN.



Shopper can review and confirm the payment.

How it works on mobile

Select SEPA Direct Debit

Shopper chooses SEPA Direct Debit from the list of payment methods.

Enter details

Shopper provides account holder name and IBAN.


As a final step the shopper needs to agree with the digital signature in order to submit the payment.

Accept SEPA DD with Adyen

With Adyen's integration of SEPA, businesses can create recurring contracts for one or more payments linked to a unique shopper.

Market Europe
Settlement currency


Channel Ecommerce
Processing currencies EUR
Recurring transactions Yes
Refunds Yes
Partial refunds Yes
Payouts Yes
Settlement delay 2 days
Chargebacks Yes


We charge a processing fee + payment method fee per transaction.

Commission per transaction, may differ per region.

Different commissions apply depending on the payment method.

The Adyen platform supports all key payment methods globally.

See the full list

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