Local rail · Europe

SEPA Transfers

Receive and pay in euros across the entire SEPA area with a single rail. Cover European pay-ins and payouts with SEPA Credit Transfer and SEPA Instant, without the slowness of correspondent banks.

Liquidação localAo vivo
EU
SEPA
Euro Area
Moeda de liquidaçãoEUR
DisponibilidadeSingle payments area
Países atendidos

Onde o SEPA liquida.

Receba e pague em EUR nos países da rede, pelos trilhos locais mais rápidos disponíveis.

DE

Germany

Euro payments to any German IBAN via SEPA Credit Transfer or Instant.

FR

France

Euro settlement to French accounts, with a structured reference for reconciliation.

ES

Spain

Pay-ins and payouts in euro to any Spanish bank on the SEPA network.

NL

Netherlands

Euro transfers to Dutch IBANs with same-business-day settlement.

PT

Portugal

Euro to Portuguese accounts, practical for businesses operating between Brazil and Portugal.

IT

Italy

Euro settlement to any Italian account within the SEPA area.

Como funciona

Do pagamento à liquidação no SEPA.

01

Provide the beneficiary IBAN

Submit the destination IBAN within the SEPA area and the structured reference that should travel with the payment.

02

Choose the SEPA rail

Use SEPA Credit Transfer for next-business-day settlement or SEPA Instant for settlement in seconds when the beneficiary bank supports it.

03

Track and reconcile

The structured reference comes back in the statement and the webhook, tying the euro paid or received to the corresponding order.

Conciliação

Structured reference on every euro.

SEPA carries a structured reference end-to-end. You reconcile European pay-ins and payouts without hunting for orphaned payments on the statement.

  • SEPA structured reference on every transaction
  • Webhook on receipt or settlement of the euro payment
  • Support for SEPA Credit Transfer and SEPA Instant
  • Full audit trail for accounting close
Liquidação localAo vivo
EU
SEPA
Euro Area
Moeda de liquidaçãoEUR
DisponibilidadeSingle payments area
Limites & disponibilidade

O que esperar do trilho.

36

Countries on the network

The SEPA area covers euro-zone countries and several associated European nations.

< 10s

SEPA Instant

When the beneficiary bank supports SEPA Instant, settlement happens in seconds, 24/7.

1 day

SEPA Credit Transfer

Standard credit settles within one business day inside the SEPA area.

FAQ

Perguntas frequentes.

Conecte o SEPA à sua operação.

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