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Scheme manager for SEPA Credit Transfer, Direct Debit and Instant.
Standard euro-area bank transfer, settled next business day at a flat fee.
Priced in 11 markets · Headline rate 0% · Next day · Personal & business
Euro-area recurring debit with an eight-week no-questions-asked refund right for consumers.
Priced in 11 markets · Headline rate 0.35% · Up to a week · Business
| Market | Listed fee | Channel | Status | In force since | Details |
|---|---|---|---|---|---|
 Czechia | 0.35% + CZK 0.25, capped at CZK 127.00 | Online | Estimate | View | |
 Denmark | 0.35% + DKK 0.25, capped at DKK 39.10 | Online | Estimate | View | |
 France | 0.35% + €0.25, capped at €5.23 | Online | Estimate | View | |
 Germany | 0.35% + €0.25, capped at €5.23 | Online | Estimate | View | |
 Ireland | 0.35% + €0.25, capped at €5.23 | Online | Estimate | View | |
 Italy | 0.35% + €0.25, capped at €5.23 | Online | Estimate | View |
Euro-area instant account-to-account transfers, settled in under ten seconds. The 2024 Instant Payments Regulation requires banks to price it no higher than a standard credit transfer.
Priced in 6 markets · Headline rate 0% · Instant · Personal & business
Messaging layer that lets a merchant request an instant SEPA payment, used to build A2A checkout across the euro area.
Priced in 11 markets · Headline rate 0% · Instant · Personal & business
It depends on the product and the market. SEPA Credit Transfer, headline rate 0% in 11 markets; SEPA Direct Debit, headline rate 0.35% in 11 markets; SEPA Instant Credit Transfer, headline rate 0% in 6 markets; SEPA Request-to-Pay, headline rate 0% in 11 markets. The headline rate is the percentage part only; fixed fees, minimums and caps are listed per market.
Fee data on UnifyPay is indicative reference information, not a quotation. Rates change without notice, vary by contract, volume, risk profile and card mix, and many local rails publish no rate card at all. Always confirm against your provider's own pricing before making a commercial decision.
Its products here are payment methods businesses accept at checkout.
Its products are priced in 16 markets here. A market missing from the list has not been recorded yet, which does not mean European Payments Council is absent there.
Each rate shows the date it took effect and whether it is published by European Payments Council, reported or estimated. The newest change shown took effect on 24 Jan 2025. Check with European Payments Council before relying on a figure.
Netherlands
Spain
Austria
Belgium
Finland