equens

Since 1 January 2002 all consumers and companies within the 15 Euro countries are able to do cash payments with the same currency Euro. Now it is time for the next step realising one borderless Europe making it possible for everybody within SEPA (27 E.U.-members + Iceland, Liechtenstein, Norway and Switzerland) to make giro payments with the same rules and costs and under the same circumstances. SEPA (Single Euro Payments Area) has been born.

The goal of SEPA is to promote the European Integration through a competitive and innovative retail payments market within SEPA which will lead to better service levels, more efficient products and cheaper alternatives for payment transactions.

SEPA is about:

• One single currency (all SEPA transactions have to be in Euro)
• One range of payment products (Credit Transfer, Direct Debit and Card payments)
• Efficient processing structures for Euro payments
• Technical standards
• Joint operating procedures
• Harmonised legal basis
• Continue development of new client-oriented services 

SEPA leads to a competing market on European level where banks and processors can realise large-scale advantages.

Equens will be an important processor in SEPA. Our large number of transactions results in cost advantages for you. We have over 40 years of experience and therefore we can offer you a very high level of quality and reliability. 

With our state-of-the-art-IT-platform, efficient processes and large-scale transactions we can process all payment, debit- and creditcard transactions for you in SEPA.

• SEPA Payments Credit Transfer
• SEPA Payments Direct Debit
• SEPA Cards