{"id":3109,"date":"2025-10-14T20:36:56","date_gmt":"2025-10-14T18:36:56","guid":{"rendered":"https:\/\/www.betaalvereniging.nl\/en\/?post_type=btv_wiki&#038;p=3109"},"modified":"2026-09-08T22:15:47","modified_gmt":"2026-09-08T20:15:47","slug":"sepa-payments","status":"publish","type":"btv_wiki","link":"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/account-to-account-payments\/sepa-payments\/","title":{"rendered":"SEPA payments"},"content":{"rendered":"\n<h2 id=\"h-what-are-sepa-account-to-account-payments\" class=\"wp-block-heading\">What are SEPA account-to-account payments?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">SEPA Account-to-account payments are electronic payments in which money is transferred digitally from one bank account to another. This is done via payment orders that are given remotely, for example via internet banking or a mobile app. The money is then processed by payment service providers and banks, without any physical cash being involved.<\/p>\n\n\n\n<h3 id=\"h-main-forms-of-sepa-account-to-account-payments\" class=\"wp-block-heading\">Main forms of SEPA account-to-account payments<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/account-to-account-payments\/sepa-credit-transfers\/\" type=\"link\" id=\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/account-to-account-payments\/sepa-credit-transfers\/\"><strong><u>European Credit Transfer<\/u><\/strong><\/a><br>The standard method for transfers within Europe. The payer issues the payment order and the amount is transferred from the payer&#8217;s payments account to the beneficiary&#8217;s payments account. Both payments accounts have an IBAN account number.<\/li>\n\n\n\n<li><a href=\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/account-to-account-payments\/sepa-direct-debits\/\" type=\"link\" id=\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/account-to-account-payments\/sepa-direct-debits\/\"><strong><u>European Direct Debit<\/u><\/strong><\/a><br>The payer gives a one-time authorization in advance to an organization to debit amounts from their payments account. This is suitable for recurring payments such as subscriptions, rent, energy bills, and taxes. However, the authorization can also be issued for a single direct debit, for example for a one-time donation or online purchase.<\/li>\n<\/ul>\n\n\n\n<h3 id=\"h-features-and-benefits\" class=\"wp-block-heading\">Features and benefits<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The different forms of SEPA account-to-account payments are distinguished on the basis of:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Initiator:<\/strong> the payer (transfer) or the recipient (direct debit).<\/li>\n\n\n\n<li><strong>Speed:<\/strong> from a few hours to seconds (instant payments).<\/li>\n\n\n\n<li><strong>Confirmation:<\/strong> immediate feedback possible with instant payments.<\/li>\n<\/ul>\n\n\n\n\t<div data-name=\"acf\/buttons\" class=\"mt-4 lg:mt-6\" >\n\t\t\n\t\t<ul class=\"flex flex-wrap gap-2 md:gap-6\">\n\t\t\t\t\t\t\t<li>\n\t\t\t\t\t\t\t\t\t\t\n\n\n\n<a\n\tdata-variant=\"primary\"\n\tdata-size=\"default\"\n\tclass=\"group inline-flex justify-center items-center gap-2 cursor-pointer text-sm md:text-md transition-[background,border-color,color] font-bold px-4 md:px-5 min-w-[52px] md:min-w-[60px] min-h-[52px] md:min-h-[60px] border-2 border-base-500 rounded-full bg-base-500 text-mint-500 underline-fade-in hocus:bg-mint-500 hocus:border-mint-500 hocus:text-base-500\"\n\n\t\n\t\t\thref=\"https&#x3A;&#x2F;&#x2F;factsheet.betaalvereniging.nl&#x2F;en&#x2F;&#x23;&#x3A;&#x7E;&#x3A;text&#x3D;Reverse&#x25;20card&#x25;20payments-,GIRO&#x25;2DBASED&#x25;20PAYMENTS,-Please&#x25;20note&#x25;3A\"\n\t\n\t\t\ttarget=\"_blank\" rel=\"noopener\"\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t>\n\t\n\t\t\t<span data-button-text>\n\t\t\tCheck out our factsheet on SEPA account-to-account payments\n\n\t\t\t\t\t\t\t<span class=\"sr-only\">Opent in een nieuw venster<\/span>\n\t\t\t\t\t<\/span>\n\t\n\t\t\t\t\t\t<span class=\" flex items-center justify-center w-[1em] h-[1em] icon \" aria-hidden=\"true\">\n\t\t\t<svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg>\n\t\t<\/span>\n\n\t\t\t\n\t<\/a>\n\t\t\t\t<\/li>\n\t\t\t\t\t<\/ul>\n\t<\/div>\n\n\n\n\t<div data-name=\"acf\/working-groups\" class=\"alignfull\" >\n\t\t<div class=\"ll-container\">\n\n\t\t\t\n\t\t\t<div class=\"space-y-4 @container\">\n\n\t\t\t\t\t\t\t\t\t<h2 class=\"mb-4 text-xl md:text-2xl break-words\">Working together to ensure reliable bank transfers<\/h2>\n\t\t\t\t\n\t\t\t\t<ul class=\"items-stretch grid-cols-1 gap-8   grid\">\n\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t<li class=\"@container\">\n\t\t\t\t\t\t\t\n<div data-component=\"teaser-post\" class=\"relative flex h-full bg-ocean-50 hover:bg-ocean-100 focus-within:bg-ocean-100 transition-colors flex-col @5xl:flex-row \">\n\t\t\t<div class=\"relative aspect-video image:absolute image:w-full image:h-full image:object-cover shrink-0 w-full @5xl:w-1\/2 @5xl:h-full\">\n\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/Samen-kijken-naar-bankzaken-aan-de-tafel-1874364250-1024x683.jpg\" class=\"attachment-large size-large\" alt=\"\" srcset=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/Samen-kijken-naar-bankzaken-aan-de-tafel-1874364250-1024x683.jpg 1024w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/Samen-kijken-naar-bankzaken-aan-de-tafel-1874364250-300x200.jpg 300w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/Samen-kijken-naar-bankzaken-aan-de-tafel-1874364250-768x512.jpg 768w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/Samen-kijken-naar-bankzaken-aan-de-tafel-1874364250-1536x1024.jpg 1536w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/Samen-kijken-naar-bankzaken-aan-de-tafel-1874364250-2048x1365.jpg 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>\n\t\t<\/div>\n\t\n\t<div class=\"flex flex-col p-6 grow @4xl:p-10 @5xl:gap-8 @5xl:justify-between w-full  @5xl:w-1\/2\">\n\t\t<div class=\"flex flex-col gap-2 @4xl:gap-4\">\n\t\t\t<h3 class=\"order-2 font-normal break-words text-md @md:text-lg @4xl:text-xl\">\n\t\t\t\t<a href=\"https:\/\/www.betaalvereniging.nl\/en\/working-groups\/account-to-account\/\" class=\"absolute-link underline-fade-in\">\n\t\t\t\t\tAccount-to-account Working Group\n\t\t\t\t<\/a>\n\t\t\t<\/h3>\n\n\t\t\t\t\t\t\t<p class=\"order-3 text-sm @md:text-base\">\n\t\t\t\t\tThe Account-to-account Working Group manages and improves joint agreements, procedures, and standards for Dutch account-to-account payments. Payment service providers collaborate within the group to ensure secure, efficient, and reliable daily payments.\n\t\t\t\t<\/p>\n\t\t\t\t\t<\/div>\n\t<\/div>\n<\/div>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<\/ul>\n\n\t\t\t\t<ul class=\"grid items-stretch grid-cols-1 gap-4 hidden\">\n\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t<li class=\"@container\">\n\t\t\t\t\t\t\t\n<div data-component=\"teaser-post\" class=\"relative flex h-full bg-ocean-50 hover:bg-ocean-100 focus-within:bg-ocean-100 transition-colors flex-col @5xl:flex-row \">\n\t\t\t<div class=\"relative aspect-video image:absolute image:w-full image:h-full image:object-cover shrink-0 w-full @5xl:w-1\/2 @5xl:h-full\">\n\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/Samen-kijken-naar-bankzaken-aan-de-tafel-1874364250-1024x683.jpg\" class=\"attachment-large size-large\" alt=\"\" srcset=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/Samen-kijken-naar-bankzaken-aan-de-tafel-1874364250-1024x683.jpg 1024w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/Samen-kijken-naar-bankzaken-aan-de-tafel-1874364250-300x200.jpg 300w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/Samen-kijken-naar-bankzaken-aan-de-tafel-1874364250-768x512.jpg 768w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/Samen-kijken-naar-bankzaken-aan-de-tafel-1874364250-1536x1024.jpg 1536w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/Samen-kijken-naar-bankzaken-aan-de-tafel-1874364250-2048x1365.jpg 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>\n\t\t<\/div>\n\t\n\t<div class=\"flex flex-col p-6 grow @4xl:p-10 @5xl:gap-8 @5xl:justify-between w-full  @5xl:w-1\/2\">\n\t\t<div class=\"flex flex-col gap-2 @4xl:gap-4\">\n\t\t\t<h3 class=\"order-2 font-normal break-words text-md @md:text-lg @4xl:text-xl\">\n\t\t\t\t<a href=\"https:\/\/www.betaalvereniging.nl\/en\/working-groups\/account-to-account\/\" class=\"absolute-link underline-fade-in\">\n\t\t\t\t\tAccount-to-account Working Group\n\t\t\t\t<\/a>\n\t\t\t<\/h3>\n\n\t\t\t\t\t\t\t<p class=\"order-3 text-sm @md:text-base\">\n\t\t\t\t\tThe Account-to-account Working Group manages and improves joint agreements, procedures, and standards for Dutch account-to-account payments. Payment service providers collaborate within the group to ensure secure, efficient, and reliable daily payments.\n\t\t\t\t<\/p>\n\t\t\t\t\t<\/div>\n\t<\/div>\n<\/div>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<\/ul>\n\n\t\t\t\t\t\t\t\t\t<div class=\"flex justify-end\">\n\t\t\t\t\t\t\n\n\n\n<a\n\tdata-variant=\"link\"\n\tdata-size=\"default\"\n\tclass=\"group inline-flex justify-center items-center gap-2 cursor-pointer text-sm md:text-md transition-[background,border-color,color] min-w-[52px] md:min-w-[60px] min-h-0 md:min-h-0 px-0 md:px-0 pt-2 pb-1 border-b-2 font-bold border-b-transparent text-base-500 hocus:border-b-current\"\n\n\t\n\t\t\thref=\"https&#x3A;&#x2F;&#x2F;www.betaalvereniging.nl&#x2F;en&#x2F;working-groups&#x2F;account-to-account&#x2F;\"\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t>\n\t\n\t\t\t<span data-button-text>\n\t\t\tMore about the Account-to-account Working Group\n\n\t\t\t\t\t<\/span>\n\t\n\t\t\t\t\t\t<span class=\"transition-transform group-hover:translate-x-2 group-focus-visible:translate-x-2 flex items-center justify-center w-[1em] h-[1em] icon \" aria-hidden=\"true\">\n\t\t\t<svg aria-hidden=\"true\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n<path d=\"M21.3105 10.9395L21.4141 11.0537C21.8942 11.6429 21.8596 12.5115 21.3105 13.0605L13.5 20.8711L11.3789 18.75L16.6289 13.5H2.25V10.5H16.6289L11.3789 5.25L13.5 3.12891L21.3105 10.9395Z\" fill=\"currentColor\"\/>\n<\/svg>\n\n\t\t<\/span>\n\n\t\t\t\n\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n","protected":false},"excerpt":{"rendered":"<p>SEPA Account-to-account payments involve digital payments between payments accounts, without the use of payment cards. These include traditional transfers, instant payments, and direct debits. Account-to-account payment orders are usually sent digitally, via online banking and mobile banking, and bundled into digital files by companies.<\/p>\n","protected":false},"featured_media":3444,"parent":3108,"menu_order":0,"template":"","meta":{"_acf_changed":true,"editor_notices":[]},"btv_subject_tax":[30],"class_list":["post-3109","btv_wiki","type-btv_wiki","status-publish","has-post-thumbnail","hentry","btv_subject_tax-account-to-account-payments"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin  - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>SEPA payments - Dutch Payments Association<\/title>\n<meta name=\"description\" content=\"SEPA payments enable secure account-to-account transfers and direct debits across Europe, with fast processing and clear standards.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/account-to-account-payments\/sepa-payments\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"SEPA payments\" \/>\n<meta property=\"og:description\" content=\"SEPA payments enable secure account-to-account transfers and direct debits across Europe, with fast processing and clear standards.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/account-to-account-payments\/sepa-payments\/\" \/>\n<meta property=\"og:site_name\" content=\"Dutch Payments Association\" \/>\n<meta property=\"article:modified_time\" content=\"2026-09-08T20:15:47+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/Vrouw-achter-haar-computer-die-haar-administratie-doet-477199696-scaled.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2560\" \/>\n\t<meta property=\"og:image:height\" content=\"1707\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:site\" content=\"@NLbetalen\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.betaalvereniging.nl\\\/en\\\/knowledge-base\\\/account-to-account-payments\\\/sepa-payments\\\/\",\"url\":\"https:\\\/\\\/www.betaalvereniging.nl\\\/en\\\/knowledge-base\\\/account-to-account-payments\\\/sepa-payments\\\/\",\"name\":\"SEPA payments - 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