Payment option · Eurozone

Accept SEPA payments

Accept SEPA transfers from every eurozone country at one IBAN. Cheap for buyers, final on arrival, no processor account.

Runs on the same checkout as 56 crypto assets, the other bank rails, and cards. No processor account needed for the manual rail.

SEPA at a glance

Countries
Germany, France, Spain +17
Currencies
EUR
Mode
Manual
Buyer reference
Unique per order

What the buyer sees

The coordinates your checkout shows, with the exact field labels from the U.CASH Pay dashboard.

IBANyour account number
SWIFT/BICthe routing code
Bank nameyour bank or provider
Account holderthe receiving name

Plus a unique payment reference per order (B-XXXXXX) the buyer includes on the transfer; you match it in Payments with one click.

How to accept SEPA payments

From signup to settled order.

Step 01

Create your checkout

Sign up at U.CASH Pay and create a checkout that offers SEPA alongside cards and crypto.

Step 02

Enter your IBAN

Fill in the IBAN, SWIFT/BIC, bank name, and account holder exactly as printed on your bank statement.

Step 03

Buyer sends the transfer

The buyer initiates a euro credit transfer to your IBAN from any eurozone bank and includes the unique payment reference.

Step 04

Confirm and settle

The euros land the next banking day, or in seconds on SEPA Instant. Match the reference in Payments and mark the order paid.

Fees and settlement

U.CASH charges nothing on the SEPA rail. SEPA credit transfers cost buyers little or nothing at eurozone banks, and SEPA Instant, where the banks support it, settles in seconds. Standard transit is one banking day. Orders hold for 30 days.

Currencies and countries

EURGermanyFranceSpainItalyNetherlandsAustriaBelgiumPortugalFinlandIrelandLithuaniaLuxembourgLatviaSlovakiaSloveniaEstoniaGreeceCyprusMaltaCroatia

Related payment options

SWIFT

International. Manual rail.

UK Faster Payments

United Kingdom. Manual rail.

PIX

Brazil. Automatic and manual flows.

SEPA: FAQ

How fast is SEPA?
Standard SEPA credit transfers settle the next banking day. SEPA Instant, available between participating banks, settles in seconds around the clock.
Do I need a separate IBAN per country?
No. One IBAN receives SEPA transfers from the entire euro area. That single-coordinate reach is the rail's whole point.
SEPA or SWIFT for European buyers?
SEPA for euro senders: cheaper and faster. Keep SWIFT enabled for buyers outside the eurozone or sending other currencies.
Get started

SEPA, live in minutes

Offer it beside cards, crypto, and every other rail on one non-custodial checkout.