Can I pay out to my customers via SEPA?

Yes. You can send SEPA Credit Transfers and SEPA Instant payments to any euro IBAN — typically arriving within seconds for SCT Inst, or T+1 for standard SCT.

What is the difference between dedicated and virtual IBANs?

A dedicated IBAN is issued in your company name; virtual IBANs are sub-accounts under a master IBAN, useful for per-customer or per-invoice reconciliation.

Are IBAN accounts always available?

Availability depends on jurisdiction, merchant profile, and partner infrastructure. KYB review is required.

Solution

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.

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Overview

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.

Capabilities

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.

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.

Process

How It Works

Onboarding is structured around documentation review and partner availability. Activation is subject to onboarding and partner review.

01
Application
02
KYB Review
03
IBAN Issuance
04
Activation

Technology

Technology Layer

Applicable infrastructure components powering this solution.

SEPA SCT
SEPA SCT Inst
SEPA Direct Debit
S2S API
Webhooks
Transaction Monitoring

FAQ

Frequently Asked Questions

All 36 SEPA-zone countries for SEPA Credit Transfer and SEPA Direct Debit, including all 27 EU states plus the UK, Switzerland, Norway, Iceland, Liechtenstein, Monaco, Andorra, San Marino and Vatican City.

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Speak with a BoxCharge payment specialist to discuss your requirements.

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SEPA Coverage

Pay 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.

AustriaBelgiumBulgariaCroatiaCyprusCzechiaDenmarkEstoniaFinlandFranceGermanyGreeceHungaryIrelandItalyLatviaLithuaniaLuxembourgMaltaNetherlandsPolandPortugalRomaniaSlovakiaSloveniaSpainSwedenUnited KingdomSwitzerlandNorwayIcelandLiechtensteinMonacoAndorraSan MarinoVatican City