SEPA.net
SEPA.net: A low-cost European direct-debit option with checkout, API and subscription support. Ranked #15 of 22 in Direct Debit Processing Software by our editors (6.9/10); pricing: Paid; best for low-cost European online checkout.
At a glance
- Editor score6.9 / 10
- PricingPaid
- Best forLow-cost European online checkout
- Free planNo
- Paid from€1.99/mo
- Payment frequencyBoth
- Facts checked20 Sep 2026
Where it wins
- Supports online direct debit for Europe-wide purchases
- Offers API, subscriptions, embedded checkout and mobile checkout
- Includes WordPress and WooCommerce integrations
Where it doesn't
- No free plan is available
- Transaction fees apply in addition to monthly charges
- Longer plans require 24-month, 12-month or 6-month terms
Our verdict on SEPA.net
SEPA.net is an online direct-debit payment system for merchants selling digital content, goods and services. It supports Europe-wide purchases, immediate payments and subscription-oriented use cases. Buyers can provide an email address and bank details without creating a separate SEPA.net account. The product is aimed at businesses that want to add direct-debit checkout to a website, digital storefront or subscription flow.
Pricing is structured across three paid monthly rates, with transaction fees applying to each. Rate A costs €1.99 per month with a 24-month term, Rate B costs €3.99 per month with a 12-month term, and Rate C costs €4.99 per month with a 6-month term. The published pricing is in EUR and excludes VAT. This makes the entry rate suitable for merchants prioritizing a low monthly base charge, while the different term options provide a choice between lower monthly pricing and a shorter commitment.
Integration breadth is a central part of SEPA.net’s offering. Merchants can use an embeddable purchase button, an embedded iFrame, mobile checkout, API access and a subscription interface. WordPress and WooCommerce integrations support common content and online-store setups, while SMS security TAN authorization adds an approval step to the payment flow. Choose SEPA.net if European online direct debit, digital-content delivery and subscription payments are priorities. Businesses seeking a free plan or a shorter commitment than the published term options should consider alternatives.
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SEPA.net pricing
All 3 SEPA.net plans and prices →
SEPA.net fact sheet
| Free plan | No |
|---|---|
| Paid from | €1.99/mo |
| Payment frequency | Both |
| Scheme coverage | International |
| Mandate management | Not verified |
| API access | Yes |
| Hosted payment page | No |
| Supported countries | Not verified |
| Deployment | Cloud, Browser extension |
| Platforms | Web |
| Support | Email, Phone |
| Built for | Small business, Mid-market (editorial estimate) |
| Integrations | 2 integrations: WordPress, WooCommerce |
| Pricing | Paid (source) |
| Website | sepa.net |
| Facts checked | 20 Sep 2026 |
SEPA.net integrations
SEPA.net lists 2 integrations on its own site.
- WordPress
- WooCommerce
Alternatives to SEPA.net
- TwikeyA broad direct debit platform for international collections, with paid plans starting at €78 monthly.8.8
- Razorpay e-MandateA domestic recurring-payment service with mandates, APIs, webhooks and billing controls.8.6
- Cashfree eNACHA focused option for Indian businesses collecting recurring bank-account payments.8.1
See all SEPA.net alternatives →
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The editor score above is our own research. What this page doesn't have yet is a reader's view — what you used SEPA.net for, what worked and what didn't. No stars are seeded and no review is paid for; an editor reads every one before it appears.
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Featured on iTechGuides
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Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
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