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  1. Home
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  4. SEPA
Payment Methods

The Default Way Europe Pays Recurring Bills

SEPA Direct Debit via Stripe, compliant across the EU.

Add SEPA for My EU Customers

Why It Matters

  • Preferred method for EU recurring billing
  • Lower decline rates than cards for EU customers
  • Mandate compliance handled correctly
  • Reduces churn from expired EU cards

What's Included

  • SEPA mandate collection & storage
  • Multi-currency EU support
  • Longer-cycle dunning logic
  • Compliance with EU mandate regulations

Common Industries

SaaS
Finance

Frequently Asked Questions

Optional, but strongly recommended — it materially reduces churn compared to card-only billing in the EU.

Stripe handles the mandate text and storage requirements; we wire the collection UI into your checkout flow.

Related Services

ACH

ACH bank debit via Stripe — built for B2B and large invoices.

Learn more

Bank Transfers

Bank transfer collection via Stripe — built for B2B and enterprise invoices.

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Stripe Billing

Full Stripe Billing implementation — plans, upgrades, dunning, all handled.

Learn more

Apple Pay

Apple Pay via Stripe, fully verified and production-ready.

Learn more

Related Reading

Stripe Guides

ACH, SEPA, and Bank Transfers: Choosing the Right Rail for High-Value Stripe Payments

Card fees make sense for small transactions and stop making sense fast as transaction size grows — here's when to switch rails.

Feb 9, 2026Read
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Add SEPA for My EU Customers

Get a scoped estimate within 24 hours, no obligation to proceed.

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