ENUA
Fast. Transparent. Beneficial with WinEXa.

SEPA payments for businesses and individuals

36+
SEPA countries
8 hours
average payment processing time
%
Competitive rates
10,000+
transactions monthly
Contact a manager
SEPA transfers at the following rates:
- 0.2% + €50 per payment order
⏱ Execution time: up to 48 hours
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🔥 Promotion until July 15 🔥
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What is SEPA and how does it work?

SEPA — Single Euro Payments Area — is a unified European payment zone that connects 36+ countries and allows euro transfers to be processed under standardized rules.

👉 SEPA is the standard for euro payments within Europe.

This means:

  • unified payment details via IBAN
  • predictable processing times
  • significantly lower fees compared to SWIFT

Types of SEPA transfers

  • SCT — SEPA Credit Transfer
    A standard euro transfer between banks within the SEPA zone.
  • SCT Instant — SEPA Instant Credit Transfer
    An instant transfer that can be processed in up to 10 seconds, depending on bank availability.
  • SDD — SEPA Direct Debit
    Recurring payments and automatic debits, commonly used for subscriptions and regular billing.

How long does a SEPA transfer take?

The average processing time for a SEPA payment is 8 to 24 hours.

👉 For comparison: SWIFT transfers usually take 2–5 business days.

Several factors may affect the timing:

Банк
Banking hours

Payments are processed during banks’ working hours.

Годинник
Cutoff time

Payments sent after the cutoff time may be processed on the next business day.

Щит
Security checks

Additional compliance or security checks may affect processing time.

Календар
Other factors

Weekends, public holidays, bank workload, and technical procedures may also influence the timeline.

How much does a SEPA transfer with WinEXa cost?

Bank → higher fees + less transparency

WinEXa → cost control + savings

Transparent pricing model:

Відсоток
Fixed processing fee + % of the transaction amount
Купюра + відсоток
No hidden fees
Людина
Individual terms for regular clients
👉 You always know how much you will pay
Get my SEPA quote

Where SEPA payments are used

SEPA is an efficient solution for regular international euro payments across Europe. The format works well for both business needs and private transfers.

  • B2B payments to partners and suppliers in the EU
  • Salaries and payouts to freelancers, teams, and contractors
  • Payments for goods, logistics, and car auctions in Europe
  • Subscriptions, SaaS services, and recurring payments
  • Tuition, rent, and service payments
  • Payouts from marketplaces and e-commerce platforms
  • Euro transfers between individuals
Suitable for:
  • Businesses and sole proprietors
  • IT companies and agencies
  • E-commerce projects
  • Freelancers
  • Private individuals
Not suitable for:
  • Cash transactions
  • Payments outside the SEPA zone
  • Cash-based operations
  • Transfers in currencies other than EUR
👉 SEPA is a fast and straightforward format for international payments in Europe.

Start working with SEPA in 10 minutes

Людина (01)
01
Contact a manager
Паспорт
02
Complete a simple verification (KYC)
Картка
03
Confirm the payment details and send your transfer
Fill out the KYC form Contact a manager

Why clients choose WinEXa for SEPA payments

We simplify international euro payments and make them as beneficial as possible for you.

Людина (зменшена)
Individual terms for every client

We tailor the solution based on your payment volume, frequency, and specific SEPA needs.

Ракета
Fast start without unnecessary bureaucracy

Minimum formalities — so you can start sending payments without delays.

Повідомлення
Professional support

A dedicated manager monitors the process and helps resolve any questions with banks or payment providers.

Шестерня
Optimized for cost and speed

We help you choose the most suitable payment format — standard or instant SEPA — based on cost and processing time.

Відсоток (зменшений)
Transparent fees

No hidden charges — you always understand what you are paying for.

Палець
Full payment control

You stay informed about the status of every transaction at each stage.

We don’t overcharge!

Client cases

Real payments. Real clients. Real timelines. Real results.

🏡 Case #1

Real estate booking abroad

Request: A client from London contacted us around lunchtime with an urgent need to pay for a cottage booking via SEPA transfer.

Solution: The WinEXa manager quickly confirmed the payment details, completed verification, and sent the payment.

Result: The booking was confirmed the same evening. Time from request to payment — less than 6 hours.

🏡 Case #2

Import of goods from the EU

Request: A client ordered exclusive furniture from an Italian manufacturer and needed to send a direct SEPA payment to the supplier with minimal fees.

Solution: WinEXa processed the payment using an individual 0.5% rate with full documentary support for the supplier.

Result: The payment order was completed on the same day. Deal amount: €30,000. Fee: 0.5%, saving up to 70% compared to a traditional bank.

🏡 Case #3

Regular team payouts in the EU

Request: An IT company needed a reliable channel for regular employee payments across EU countries — without delays or hidden fees.

Solution: Regular SEPA payments were set up with transparent pricing: a fixed €70 fee + 1% of the transaction amount.

Result: Payments are processed on the day of request. Transfer costs reduced by up to 30%. Ongoing cooperation established.

Want the same result? Submit a request — a manager will contact you within 15 minutes.
Get a quote Submit a request

FAQ

  • Do I need an IBAN for a SEPA payment?

    Yes. IBAN is a required payment detail for SEPA transfers.

    It identifies the recipient’s account within the European banking system. In most cases, this is enough to process the payment.

    Sometimes, the recipient bank’s BIC/SWIFT code may also be required.

    👉 With WinEXa, you can verify the payment details before sending the transfer to avoid mistakes.

  • Can I send a SEPA payment from Ukraine?

    Yes. SEPA payments from Ukraine are possible through payment services and financial providers that work with European payment infrastructure.

    Please note:

    • the payment is made in EUR
    • the recipient must be located within the SEPA zone

    👉 WinEXa allows you to send SEPA payments online without opening a European bank account.

  • What should I do if the payment has not arrived?

    In most cases, SEPA payments are processed within 1 business day.

    If the funds have not arrived:

    • check that the payment details are correct
    • contact your manager

    👉 We help track the payment and identify the reason for the delay — up to final crediting or return of funds.

  • Are there any limits?

    The SEPA standard itself does not set strict limits, but limits may depend on:

    • the payment infrastructure
    • the type of transfer: standard or Instant
    • internal transaction processing rules

    👉 For WinEXa clients, limits are set individually based on payment volume and cooperation history.

  • Is SEPA Instant supported?

    Yes. SEPA Instant allows instant euro transfers — in up to 10 seconds, 24/7.

    However, it is important to note:

    • both the sender’s and recipient’s banks must support this payment type
    • amount limits may apply

    👉 With WinEXa, SEPA Instant availability depends on the payment direction. Please check the details when creating a transaction or contact support.