Accept bank-to-bank payments from customers with European accounts. Set up SEPA direct debit through Squarespace Payments to offer more ways for customers to checkout.

The Single Euro Payments Area (SEPA) is a project by the European Union to make payments easier within and between member countries. Any bank account in euros within SEPA can be directly debited.

Am I eligible to offer SEPA to my customers?

• To enable SEPA payments for your customers, you need an active Squarespace Payments account.
• SEPA is available to sellers in many countries as long as your store is presenting in euros.

SEPA payments availability and limits

• SEPA direct debit transactions have a limit of €10,000 each. 
• Your customers can't purchase subscription products with SEPA payments. 

Enable SEPA payments

To enable SEPA payments for your Squarespace Payments account:

1. Open the Payments Settings panel.
2. Under Manage Squarespace Payments, click Manage Settings.
3. Under Manage Squarespace Payments, click the Payment methods tab.
4. Under Bank debits and redirects, switch on the toggle next to SEPA Direct Debit to enable it.

How customers pay with SEPA

With SEPA, customers are redirected to their online banking. There, they authenticate the payment by providing their full name and IBAN, and then authorize the mandate. Here’s what happens next:

• The customer receives immediate notification regarding the success or failure of the payment.
• The SEPA Direct Debit rulebook requires that you notify your customer each time you debit their account. For this case, by default, Squarespace automatically sends an Order Initiation email to your customer.

SEPA payment processing fees

There's a €0.35 processing fee for SEPA payments. Fees associated with using card payments won't apply. 

SEPA transactions and refunds timing

SEPA payments can be refunded up to 180 days after the original payment, and typically take 3-4 days to process. There’s a couple actions you can take to review a SEPA payment:

• You can check the status of a SEPA payment in the Orders panel. 
• You can also click on a transaction to see the Order Summary, which shows if the order was paid with SEPA direct debit.

What happens if a SEPA payment is disputed?

SEPA payments have a unique payment dispute process which differs from card disputes:

• Disputes can be raised up to eight weeks after payment for any reason. 
• Disputes raised in this time period ‌are automatically resolved in the customer's favor and cannot be contested. The disputed amount and fees are debited from your Squarespace Payments account balance.
• After eight weeks and up to 13 months, a customer can dispute a payment only if the debit is considered unauthorized. 
• In that case, the customer’s financial institution will review documentation provided by the payment processor and make a final decision.