Introduction to SEPA Direct Debit

As a Revolut Business customer with an active Merchant account, you can accept payments directly from your customers' EUR-denominated bank accounts using SEPA Direct Debit. Revolut supports the SEPA Direct Debit Core scheme, which covers both personal and business bank accounts across the SEPA region.

SEPA Direct Debit is a popular choice for subscriptions, recurring billing, and any flow where your platform manages payment mandates - customers authorise a direct debit mandate once, and you collect payments on a schedule without requiring them to re-enter their details.

Availability

Before implementing SEPA Direct Debit, be aware of the following:

Not enabled by default: SEPA Direct Debit must be enabled on your merchant account. Contact your account executive to request enablement.
Country availability: SEPA Direct Debit is available in 34 of the 36 SEPA countries - all except Portugal and Ireland. See the full country list.
EUR only: All SEPA Direct Debit payments are denominated in EUR.
No sandbox: SEPA Direct Debit is not available in the sandbox environment. Testing requires a production merchant account with SEPA Direct Debits enabled.

Available countries

SEPA Direct Debit is available in the following 34 countries:

Country	Code	Country	Code
Andorra	AD	Latvia	LV
Austria	AT	Liechtenstein	LI
Belgium	BE	Lithuania	LT
Bulgaria	BG	Luxembourg	LU
Croatia	HR	Malta	MT
Cyprus	CY	Monaco	MC
Czech Republic	CZ	Netherlands	NL
Denmark	DK	Norway	NO
Estonia	EE	Poland	PL
Finland	FI	Romania	RO
France	FR	San Marino	SM
Germany	DE	Slovakia	SK
Greece	GR	Slovenia	SI
Hungary	HU	Spain	ES
Iceland	IS	Sweden	SE
Italy	IT	Switzerland	CH
Vatican City	VA	United Kingdom	GB

Why offer SEPA Direct Debit?

SEPA Direct Debit brings several advantages for merchants operating in the European market:

Ideal for subscriptions and recurring billing

Customers authorise a mandate once, and you can collect payments on a schedule without requiring re-authorisation for each payment

Lower processing fees

Direct debit transactions have lower fees than card payments, making them cost-effective for recurring revenue models

No card required

Customers pay directly from their bank account - no card numbers, no expiry dates, no card network involvement

European market coverage

The SEPA region includes 36 countries, giving you access to a broad customer base across Europe

Reduced churn for subscriptions

Unlike card payments, bank accounts don't expire, reducing failed payment rates for recurring billing

Why choose Revolut?

Fast settlement

Funds settle into your merchant account within 24 hours - fast and easy settlement ensures a steady cash flow

25+ currencies

While SEPA Direct Debit payments are EUR-only, your Revolut Business account supports 25+ currencies. Hold the original currency until you decide to spend or convert it

Low and transparent fees

We charge you only per successfully processed transaction - no hidden costs, no monthly fees

Learn more about the benefits of accepting payments with Revolut

Discover how Revolut's payment gateway can help grow your business

Our solutions

To cater to the diverse needs of merchants, we provide the following solutions for accepting payments via SEPA Direct Debit.

Web integration

You can embed the SEPA Direct Debit widget on your website using our web SDK to give your customers a seamless checkout experience. The widget collects the customer's IBAN and mandate consent, creates the order, and submits the payment - all within a pop-up on your checkout page.

SEPA Direct Debit on Web

Check the web integration guide

Integrate SEPA Direct Debit into your website checkout using the Revolut Checkout Widget

Before implementing SEPA Direct Debit, be aware of the following:

Prerequisites: You need a valid SEPA Creditor ID and must have SEPA Direct Debits enabled on your merchant account by your account executive.
Regulatory responsibilities: You are responsible for sending pre-debit notifications and managing mandate records as required by SEPA rules. Revolut collects mandate consent through the widget but does not store mandates or send pre-notifications on your behalf.