Single Euro Payments Area

Unified Euro Payments Across EU 
​SEPA allows you to make and receive payments in euros under the same basic conditions, rights, and obligations, regardless of location.

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Electronic and Cash Payments

Simplify Your Payment Processes EU rules on payments ensure that electronic transactions are easy and cost-effective. Banks must charge the same rate for payments in euros across the EU, equivalent to national transactions.

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Late Payment

Manage Your Credit and Debt Calculate your credit or debt using the current interest rate to ensure you stay on top of your financial obligations and receivables.


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Cross-Border Debt Recovery

Efficient Debt Recovery Across Borders 
If your business is owed money by a company based in another EU country, the European Account Preservation Order (EAPO) procedure allows courts to freeze funds in the debtor’s bank account.

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