# 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](https://www.europeanpaymentscouncil.eu/what-we-do/epc-payment-schemes/sepa-direct-debit/sepa-direct-debit-core-rulebook-and-implementation), 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. :::note [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](#available-countries). - **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 [!details] 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: - [:Repayment: 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") - [:WealthDown: Lower processing fees](# "Direct debit transactions have lower fees than card payments, making them cost-effective for recurring revenue models") - [:Card: No card required](# "Customers pay directly from their bank account - no card numbers, no expiry dates, no card network involvement") - [:RegionEurope: European market coverage](# "The SEPA region includes 36 countries, giving you access to a broad customer base across Europe") - [:OrderUpwards: Reduced churn for subscriptions](# "Unlike card payments, bank accounts don't expire, reducing failed payment rates for recurring billing") ## Why choose Revolut? - [:TimeAndMoney: Fast settlement](# "Funds settle into your merchant account within 24 hours - fast and easy settlement ensures a steady cash flow") - [:RatesConverter: 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") - [:Fees: Low and transparent fees](# "We charge you only per successfully processed transaction - no hidden costs, no monthly fees") [//]: # ' ' - [:LogoRevolut: Learn more about the benefits of accepting payments with Revolut](https://www.revolut.com/business/payment-gateway/ "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](/img/accept-payments/payment-methods/sepa-direct-debit/sepa-direct-debit.png 'SEPA Direct Debit on Web') - [:Browser: Check the web integration guide](/docs/guides/merchant/accept-payments/online-payments/sepa-direct-debit/web 'Integrate SEPA Direct Debit into your website checkout using the Revolut Checkout Widget') [//]: # ' ' :::note 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. ::: ## Alternative payment solutions In addition to SEPA Direct Debit, you can choose to integrate other payment solutions, such as: - [:LogoRevolut: Revolut Pay](/docs/guides/merchant/accept-payments/online-payments/revolut-pay/introduction "Learn more about accepting payments via Revolut Pay") - [:Wallet: Apple Pay and Google Pay](/docs/guides/merchant/accept-payments/online-payments/apple-pay-google-pay/introduction "Learn more about accepting payments via Apple Pay and Google Pay") - [:Card: Card payments](/docs/guides/merchant/accept-payments/online-payments/card-payments/introduction "Learn more about accepting card payments") - [:Bank: Pay by Bank](/docs/guides/merchant/accept-payments/online-payments/pay-by-bank/introduction "Learn more about accepting direct bank payments") These alternatives give your customers flexibility and help you capture more sales from different payment preferences. --- ## What's next - [:Browser: Web integration guide](/docs/guides/merchant/accept-payments/online-payments/sepa-direct-debit/web 'Accept SEPA Direct Debit on your website with the Revolut Checkout Widget') - [:CodeRepository: SEPA Direct Debit Web SDK reference](/docs/guides/merchant/accept-payments/online-payments/sepa-direct-debit/web 'Accept SEPA Direct Debit on your website with the Revolut Checkout Widget') - [:CloudStorage: Explore the Merchant API](/docs/api/merchant 'Create orders, manage payments, and handle refunds programmatically') - [:ArrowExchange: Order and payment lifecycle](/docs/guides/merchant/reference/order-lifecycle 'Understand how orders and payments are processed')