SEPA is the scheme that makes euro transfers between participating countries behave like domestic payments — same settlement speed, a flat low cost, no correspondent-bank chain. Whether a specific company can use it depends on where its account is held, not on where the company itself is registered.
SEPA is a rulebook that European payment-scheme members follow for euro transfers, not a product you buy directly. A company reaches it by holding an account with a provider that participates in the scheme — a bank or EMI licensed in a SEPA country or territory.
SEPA is about which account you hold, not which country your company is registered in. A non-EU company can reach SEPA through an account issued by a participating provider.
SEPA Credit Transfer settles same or next business day. SEPA Instant, where the receiving bank supports it, settles in seconds, around the clock.
Every SEPA payment moves between IBANs. Holding a European IBAN is what makes an account SEPA-reachable — see European IBAN.
SEPA only carries EUR between scheme participants. Payments in other currencies, or to non-participating countries, still go through SWIFT.
Tell us about your structure, activity and payment needs — the essentials, not a full application.
We assess the structure and requirements against what providers typically accept before recommending a direction.
We identify a suitable regulated provider and explain what is realistically available for your case.
You complete official KYC/KYB directly with the regulated financial provider — not with Latynex.
The provider makes the final decision and activates the account. We stay involved if anything needs coordinating.
Latynex is not a bank or electronic money institution. Financial accounts and payment services are provided by independent, regulated financial institutions. Final eligibility and approval are determined by the selected provider, following its own KYC/KYB review.
No. What matters is whether the account itself is SEPA-reachable, which depends on the provider, not the company's country of incorporation.
For euro payments between participating countries, yes, typically — SEPA pricing is usually flat and low. SWIFT pricing varies by bank and corridor and can include correspondent-bank deductions.
No. Latynex is not a bank, EMI or payment institution. We review your case and, where suitable, introduce it to an independent, regulated financial provider who handles the account itself.
No. No introducer can guarantee a banking or payment-account decision. The provider you are introduced to runs its own KYC/KYB review and makes the final call under its own policies.
Typically: certificate of incorporation, register of directors and shareholders, proof of UBO identity and address, a description of business activity, and evidence of source of funds. Exact requirements vary by provider.
Setup and ongoing fees vary with jurisdiction, ownership structure, business activity, expected turnover and compliance profile. The provider discloses its fees before you proceed, and any Latynex advisory fee is disclosed separately.
No obligation — we review your case and respond with a straight answer.
Tell us about your company and payment needs — we review the case and point you to a provider genuinely suited to it.
Check eligibility