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Find out how the SEPA enables fast and secure cashless euro payments across Europe, including payment instruments, countries and the legal framework.#Those would include debit cards, credit cards, and those prepaid cards which give the option of registering (online or by phone) as the card's owner. Please note that some prepaid cards do not accept payments for subscription transactions.$Automate SEPA payments and collections with AccessPay. Secure SEPA transfers, direct debits and Euro payments across 36 countries in the Eurozone._from 31 October 2016, all credit transfers and direct debits in euro to be made under the same format also in non-euro Member States; from 1 February 2017, the abolition of multilateral interchange fees 1 for direct debits; from 1 February 2016, an end to compulsory use of the BIC.|GoCardless is the online Direct Debit specialist. Merchants can collect and manage their SEPA Direct Debit payments from any of the countries in the SEPA zone, using our online dashboard or simple REST API.@Countries applying the SEPA schemes The area in which the EPC SEPA payment schemes (for euro credit transfers and direct debits) are available is broader than the European Union.#The Single Euro Payments Area initiative harmonises payments across 36 European countries. SEPA enables seamless credit transfers and direct debits in euros, serving over 520 million citizens. The scheme's instant payment capability, launched in 2017, has dramatically reduced the cost of intra-European payments. SEPA is an EU initiative. 8.