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PayCEC assists you on your journey towards acquiring the SEPA Credit Transfer - a tool that will help you keep up with the rushing pace of innovation in the sector of payments. With PayCEC’s Credit SEPA Transfer, making payments within the eurozone is so easy.

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SEPA mainly consists of

SEPA mainly consists of:

27 Member States of the European Union (EU).

Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden.

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3 countries of the European Economic Area (EEA).

Liechtenstein, Iceland, Norway.

6 non-EEA countries, to which the geographical scope has been extended.

Andorra, Monaco, San Marino, Switzerland, United Kingdom, Vatican City State.

Non-EEA Territories

Saint-Pierre-et-Miquelon, Guernsey, Jersey, Isle of Man.

How long does a SEPA Credit Transfer take?

The length of time for a SEPA Credit Transfer to be completed takes 1-3 business days.

How long does a SEPA Credit Transfer take?

Open account in minutes
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SEPA transfer charges

  • Withdrawal fee: €0
  • Minimum withdrawal amount: €50

Contact our expert for a tailored offer.

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SEPA transfer charges

SEPA Transfer Limit to other bank accounts

You can transfer funds from your PayCEC’s merchant account to other bank accounts quickly and seamlessly with the optimal transfer amount limit.

Transaction type Default limit per day (€) Daily limit set by user (€)
Transfer to other local EU bank 50,000 Up to 500,000
Transfer to international account - via SWIFT 50,000 Up to 500,000

IBAN (International Bank Account Number)

IBAN (International Bank Account Number)
  • IBAN is a standard international system for identifying individual bank accounts.
  • IBAN numbers consist of up to 34 characters. The first 2 letters indicate the bank's home country, the next 2 are "check digits", then a series of numbers identifies the bank and account.

Merchant Benefits

PayCEC delivers SEPA transfer solution that drive your business’s revenue and profitability.

Ready-made payment gateway for access to SEPA without any intermediary bank.

Ready-made payment gateway for access to SEPA without any intermediary bank.

Issuing unique EURO SEPA IBANs.

Issuing unique EURO SEPA IBANs.

IBANs supporting SEPA Credit Transfer.

IBANs supporting SEPA Credit Transfer.

Get paid quickly with Internet banking transfer payment.

Get paid quickly with Internet banking transfer payment.

Fees that are lower than international bank transfers.

Fees that are lower than international bank transfers.

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Protect against fraud in SEPA payments

  • Merchants can check their IBAN number, and verify if it is the correct account number and account owner through the IBAN checker system.
Merchants can check their IBAN number, and verify if it is the correct account number and account owner through the IBAN checker system. Merchants can check their IBAN number, and verify if it is the correct account number and account owner through the IBAN checker system.
SCA (Strong Customer Authentication) for extra fraud protection, ensuring the safety and security of payments. SCA (Strong Customer Authentication) for extra fraud protection, ensuring the safety and security of payments.
  • SCA (Strong Customer Authentication) for extra fraud protection, ensuring the safety and security of payments.
  • Your customers' data will always be transferred SSL-encrypted (the address starts with https:// rather than http://). This guarantees a secure connection to SEPA.net.
Your customers' data will always be transferred SSL-encrypted (the address starts with https:// rather than http://). This guarantees a secure connection to SEPA.net. Your customers' data will always be transferred SSL-encrypted (the address starts with https:// rather than http://). This guarantees a secure connection to SEPA.net.
Every bank offers transfer limits to protect the customers from hackers in the huge transaction without permission of account holders. Every bank offers transfer limits to protect the customers from hackers in the huge transaction without permission of account holders.
  • Every bank offers transfer limits to protect the customers from hackers in the huge transaction without permission of account holders.

Start collecting SEPA payments

Protect against fraud in SEPA payments

For payee checkout input:

  • Name of the merchant or your company (Beneficiary name).
  • The purpose of payment (please note your order details, such as order number, sender name… )
  • International bank account number (IBAN) of the merchant.
  • Country that the customer wishes to send the money to.
  • Business identifier code (BIC) (if any).
  • Supporting documents (if any due to high volume of orders).
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Frequently Asked Questions

SEPA's purpose is to improve cross-border payment efficiency, and to merge formerly fragmented national markets of Euro payments into a single domestic market. 

SEPA allows customers to make cashless Euro payments to any banking account and anywhere as long as they are inside SEPA's supported territory. 

PayCEC offers the lightning-fast and most secure SEPA payment gateway with hassle-free integration for merchants to accept SEPA payments from customer's accounts in 36 SEPA countries and associated territories.

There are currently 36 SEPA member states: 

  • EU/EEA SEPA Countries: Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden.
  • Non-EEA SEPA Countries: Andorra, Monaco, San Marino, Switzerland, United Kingdom, Vatican City State.
  • Non-EEA Territories: Saint-Pierre-et-Miquelon, Guernsey, Jersey, Isle of Man.
  • IBAN (International Bank Account Number) is an international account code established by the International Organization for Standardization (ISO) and the European Committee for Banking Standards to facilitate international transactions and eliminate errors during money transfers.
  • The IBAN consists of a code that identifies the nation in which the account is located, the account holder's bank, and the account number. 
  • IBAN simplifies and expedites the processing of cross-border payments. IBAN numbers were solely used for money transfers between European countries. IBAN, on the other hand, is trusted by many countries around the world because of its convenience and accuracy.

IBAN numbers consist of up to 34 characters. The first 2 letters indicate the bank's home country, the next 2 are "check digits", then a series of numbers identifies the bank and account.

Transaction type Default limit per day (€) Daily limit set by user (€)
Transfer to other local EU bank 50,000 Up to 500,000
Transfer to international account - via SWIFT 50,000 Up to 500,000

The SEPA Credit Transfer takes 1 - 3 business days.

Yes. PayCEC’s SEPA Credit Transfer allows customers to make cashless Euro payments to any banking account and anywhere as long as they are inside SEPA's supported territory.

  • Withdrawal fee: €0 
  • Minimum withdrawal amount: €50
  • Contact our expert for a tailored offer.

Contact Now

Visit our website https://www.paycec.com and social media channels Facebook Linkedin Youtube Twitter instagram for more information, or you can contact our expert for details. We have a highly engaged in-house team that is standing by ready to serve you.

With PayCEC payment gateway comes along with dedicated support, you can boost your online business by providing a flexible and secure crypto payment gateway with no worries, and your customers will no longer go away because their favorite payment methods are accepted now!

Our team of dedicated experts is on hand 24/7 to assist with any technical queries, and offer practical assistance and guidance via live chat, phone, ect. whenever you need it.

Do you plan on collecting money across borders?

Ready to get started?
Ready to get started?

Ready to get started?

We would love to help you get started and support you along the way.

Are you ready to take off your business?

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About us

who we are

about us

We are honored to serve as your reliable business partner and financial service provider in the industry and other business-related services. With the help of our professional staff, to help merchants to achieve their goals for the development and expansion of the international business market.

Our payment flow has developed in the e-commerce world to perform seamlessly and effectively across all platforms and devices. We take pleasure in combining technology with customer service, to solve your concerns at the moment.

PayCEC is a fully worldwide payment network that not only allows merchants to be paid immediately and securely, but also allows them to withdraw money in multiple currencies to their company accounts.

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