SEPA.net
SEPA.net is a web service for processing cashless payments by direct debit, with international scheme coverage and API access.
What SEPA.net is
SEPA.net is a web service for processing cashless payments by direct debit, with international scheme coverage and API access. A hosted payment page is not available. The price list states no setup fee. For collected amounts up to 5,00 Euro, the transaction fee is 0,19 Euro; from 5,01 Euro, it is 3,9 % of the collected amount. Listed rates cover up to 500 monthly transactions, with higher volumes available on request. Tarif A is €199 a month, Tarif B €399 a month and Tarif C €499 a month. Their billing terms list 47,76 € + MwSt. for 24 months, 47,88 € + MwSt. for 12 months and 29,94 € + MwSt. for six months, debited at the start. Collected amounts are credited on the 15th of the following month. Processing is in Germany, the EU or EEA under the stated data agreement.
Good
- No setup fee
- International scheme coverage
- API access available
- Higher transaction volumes by request
- Data processing in EU or EEA
Watch out
- No free plan
- Hosted payment page unavailable
- Transaction fees apply
- Return debits above 5% incur charges
Who it suits
It suits businesses needing direct-debit processing through a web service or API with international scheme coverage. Users should account for transaction fees, term billing and the absence of a hosted payment page.
Verdict
SEPA.net offers direct-debit processing with clear transaction thresholds, term-based tariffs and API access. The billing commitments, transaction charges and return-debit rule are important when assessing fit.
Plans and prices
From SEPA.net's own pricing page, checked 7 Oct 2026.
| Plan | Price | What it gives you |
|---|---|---|
| Tarif A | €199 a month | Up to 500 monthly transactions; more on request · transaction fees apply · 47,76 € + MwSt. for the 24-month term, debited at the start |
| Tarif B | €399 a month | Up to 500 monthly transactions; more on request · transaction fees apply · 47,88 € + MwSt. for the 12-month term, debited at the start |
| Tarif C | €499 a month | Up to 500 monthly transactions; more on request · transaction fees apply · 29,94 € + MwSt. for the 6-month term, debited at the start |
The facts
Each one read from SEPA.net's own pages, with the date it was checked.
What it does
- Audit rights
- The agreement gives the customer rights to conduct or arrange checks and request evidence of technical and organizational measures.checked 7 Oct 2026
- Data processing region
- The data processing agreement says processing takes place in Germany, an EU member state, or another EEA contracting state; transfer to a third country requires prior customer approval and compliance with GDPR transfer requirements.checked 7 Oct 2026
- Data protection officer
- The agreement says the processor must appoint a data protection officer and provide their contact details to the customer.checked 7 Oct 2026
- Early termination
- The price list says either party may terminate by email, fax, or letter, and prepaid monthly fees may become a setup fee if termination occurs before the selected fee term ends.checked 7 Oct 2026
- Failed direct debits
- SEPA.net says it covers return debit fees while the return debit rate is below 5%; above that threshold, it charges 7,00 Euro plus statutory VAT per additional return debit.checked 7 Oct 2026
- Security and privacy
- The data processing agreement describes measures intended to protect confidentiality, integrity, availability, and system resilience under GDPR requirements.checked 7 Oct 2026
- Service
- SEPA.net provides electronic processing of cashless payments by direct debit.checked 7 Oct 2026
- Settlement timing
- The price list says collected amounts are credited on the 15th of the following month.checked 7 Oct 2026
- Setup fee
- The price list states that there is no setup fee.checked 7 Oct 2026
- Transaction fee
- For collected amounts up to 5,00 Euro, the listed fee is 0,19 Euro per transaction; from 5,01 Euro, it is 3,9 % of the collected amount.checked 7 Oct 2026
- Transaction volume
- The listed rates cover up to 500 monthly transactions, with higher volumes available on request.checked 7 Oct 2026
The company
- Headquarters
- Aachen, Germanychecked 28 Sep 2026
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