IBAN & SEPA Settlement Solutions
Collect and pay out across the SEPA zone via dedicated IBANs — EUR settlement, SEPA Instant where supported, and SEPA Credit Transfer to any euro-area beneficiary.
What This Solution Supports
Dedicated and virtual IBANs for SEPA pay-in and pay-out, multi-currency settlement, and structured payout flows for businesses operating across the SEPA zone (36 countries) and wider international corridors.
SEPA collections and payouts need clean reconciliation, not just an account number. BoxCharge IBAN solutions help merchants issue dedicated or virtual IBANs, accept SEPA pay-ins, send SCT and SCT Inst payouts, and reconcile every credit and debit with statements and webhooks — subject to KYB and partner availability.
Key Capabilities
SEPA Pay-in
Accept SEPA Direct Debit and SEPA Instant Credit Transfer into your IBAN, with auto-reconciliation by reference.
SEPA Pay-out
Send SEPA Credit Transfers (SCT) and SEPA Instant (SCT Inst) to any euro IBAN — T+0 where supported, T+1 standard.
Dedicated & Virtual IBANs
Issue per-merchant or per-customer IBANs for clean reconciliation and segregated flows.
Multi-Currency Settlement
Settle in EUR, GBP, USD and more through partner relationships where available.
Reporting & Reconciliation
Daily statements, transaction-level reporting, and webhook events for every credit and debit.
Partner Connectivity
Account infrastructure powered by regulated EU and UK banking partners.
How It Works
Onboarding is structured around documentation review and partner availability. Activation is subject to onboarding and partner review.
- 01Application
- 02KYB Review
- 03IBAN Issuance
- 04Activation
Technology Layer
Applicable infrastructure components powering this solution.
Frequently Asked Questions
Related solutions & resources
Continue exploring payment services, technology layers, and guides that connect to this solution.
SEPA, local rails, and crypto disbursement options.
International merchant enablement that pairs with settlement.
Acquiring connectivity for multi-market businesses.
Ask about IBAN issuance and SEPA coverage for your entity.
Start Your Payment Conversation
Speak with a BoxCharge payment specialist about merchant accounts, gateway connectivity, or settlement requirements.
Request ConsultationPay In & Pay Out Across 36 SEPA Countries
Send SEPA Credit Transfers (SCT) and SEPA Instant (SCT Inst) to any euro IBAN — typically arriving within seconds for SCT Inst, or T+1 for standard SCT. EUR settlement direct to your IBAN.