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Empowering Instant and Secure Payments in Brazil

SEPA, short for Single Euro Payments Area Instant Credit Transfer, is a pan-European instant payment scheme that enables individuals and businesses to make real-time electronic payments across countries within the European Union and associated countries. SEPA aims to enhance the speed, accessibility, and efficiency of cross-border and domestic payments within the SEPA region.

% of coverage
  • Region

    European Union and associated countries

  • Population

    Varies by country

  • Digital Payment Adoption

    High, reflecting Europe's advanced financial infrastructure

% of coverage
  • Domestic Credit Card


  • Traditional Bank Transfers


  • Other Digital Payment Methods


Payment Method Overview
  • Type:Pan-European Real-Time Payment Scheme
  • Currency:Euro (EUR) and other currencies supported by SEPA participants
  • % of coverage:Expanding as more financial institutions join the SEPA Instant network
  • Refunds:Subject to the policies of participating banks and financial institutions
  • Chargebacks:Limited due to real-time nature, assessed on a case-by-case basis

About payment system

SEPA  stands at the forefront of Europe’s drive to modernise its payment infrastructure and enhance the speed of cross-border transactions. The scheme offers users the ability to transfer funds in real-time, 24/7, within the SEPA region, eliminating delays associated with traditional bank transfers.

Users initiate SEPA payments through their bank’s digital platforms, selecting the SEPA option when making transfers. Funds are credited to the recipient’s account instantly, allowing individuals and businesses to experience the benefits of swift and efficient transactions.

SEPA significance is particularly evident in its ability to support real-time cross-border payments. By harmonising payment standards and processes across participating countries, SEPA simplifies the complexities of cross-border transactions, fostering economic integration and trade within the European region.

The scheme’s commitment to speed and efficiency is complemented by its focus on security and compliance with regulatory standards. As SEPA continues to gain traction and expand its network, it plays a pivotal role in shaping how individuals and businesses engage in financial transactions across Europe, emphasising the potential of real-time payments to transform the way we interact with money.

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Payment flow

The customer selects Visa as their payment option and enters their credit card details to complete the payment.

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