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MarketEurope

Payments in Europe: SEPA, instant euro payments and SCA

Across the euro area, SEPA lets a payment move between countries like a domestic one. Instant euro transfers are becoming universal under EU law, and card payments online must meet strong customer authentication rules.
Talk to sales Payment methods
Currencies
EUR
Key rails
SEPA Instant Credit Transfer · SEPA Credit Transfer and Direct Debit · Strong customer authentication
Availability
Confirmed at onboarding

Local payment ecosystem

How Europe pays

Cards and wallets are common online, but each country has its own favourites, often bank-based methods. SEPA credit transfers and direct debits cover the euro area, and instant transfers are now required to be available from euro-area payment providers. Strong customer authentication changes how card payments are approved and when exemptions apply.
  • SEPA credit transfers and direct debits
  • Instant euro payments by law
  • Strong customer authentication

Payment methods and rails

The rails behind everyday payments

Facts below come from the central banks and scheme operators that run them; numbers in brackets point to the sources at the end of the page.
Payment rails in Europe
Rail or methodTypeWhereWhat to know
SEPA Instant Credit TransferInstant paymentsEuro areaUnder the Instant Payments Regulation, euro-area providers must be able to receive instant payments from 9 January 2025 and send them, with verification of payee, from 9 October 2025.[1]
SEPA Credit Transfer and Direct DebitBank transfers and debitsSEPAEuro credit transfers and direct debits follow European Payments Council scheme rulebooks that harmonise the rules across SEPA.[3]
Strong customer authenticationRule for online paymentsEU/EEAPSD2's technical standards on strong customer authentication have applied since 14 September 2019.[2]

Rails described as they operate in the market. Which methods LILPE connects for your business is confirmed during onboarding.

Currency

  • EUREuro

Settlement

Settlement options for this market, including currency and destination account, are confirmed during onboarding. Nothing on this page claims a specific settlement option.

Routing considerations

Orchestrating payments in Europe

An orchestration layer sends each payment to an eligible provider by your rules and recent performance. In this market, these are the decisions that usually matter.
  1. Customer in EuropeLocal methods and cards
  2. LILPEOne API and dashboard
  3. Routing engineRules, health, cost
  4. ProvidersServing Europe, as connected
  5. Local railsSEPA Instant Credit Transfer, SEPA Credit Transfer and Direct Debit
Illustrative flow. Which providers and rails are connected for your business is confirmed during onboarding.

  • Authentication-aware routing

    Approval depends on how a provider handles authentication and exemptions; compare providers on that, not only on price.

  • Local methods by country

    Offer the bank-based methods customers expect in each country, alongside cards.

  • Instant transfers for payouts and refunds

    Use instant euro transfers where both sides support them.

Merchant use cases

Who sells and pays in Europe

  • Selling across the euro area

    Cards plus local methods per country, behind one integration.

  • Subscriptions

    SEPA direct debit and cards, each with its own retry rules.

  • Platforms with sellers in Europe

    Collections and payouts in euro, where connected.

Integration approach

Add a market without a new integration

Your code talks to LILPE once. Markets, providers and methods are added behind that integration, where available.
  1. 01

    Tell us your markets

    Where you sell, the methods customers expect and your volumes.

  2. 02

    Providers confirmed

    We confirm which providers, methods and settlement options are available for your business.

  3. 03

    Integrate once

    One request pattern and one webhook stream, tested in the sandbox.

  4. 04

    Go live, then expand

    Adding or switching a provider needs no change to your code.

Availability and settlement options are confirmed during onboarding.

LILPE Global Presence

Local business addresses in Europe

The coworking / business centers where LILPE holds a local business address. These are not LILPE offices. To reach the team, use the contact page.

Coworking / Business Center Locations

  • Local Business Address

    Coworking / Business Center

    COLLECTION Business Center Frankfurt, Nextower

    Country
    Germany
    City
    Frankfurt
    Complete address
    Nextower, 29th floor, Thurn-und-Taxis-Platz 6, 60313 Frankfurt
    Postal code
    60313
    Official website
    ubc-collection.com(opens in a new tab)

    Not a LILPE office. Address checked on the operator's website on 7 October 2026.

  • Local Business Address

    Coworking / Business Center

    Spaces Zuidas I

    Country
    Netherlands
    City
    Amsterdam
    Complete address
    Barbara Strozzilaan 201, 1083 HN Amsterdam
    Postal code
    1083 HN
    Official website
    spacesworks.com(opens in a new tab)

    Not a LILPE office. Address checked on the operator's website on 7 October 2026.

  • Local Business Address

    Coworking / Business Center

    Prosperity Chambers

    Country
    Ireland
    City
    Dublin
    Complete address
    19–23 Lower Baggot Street, Dublin 2
    Postal code
    Dublin 2 (the operator lists no Eircode)
    Official website
    prosperitychambers.ie(opens in a new tab)

    Not a LILPE office. Address checked on the operator's website on 7 October 2026.

A coworking / business center location is a local business address, not a LILPE office. It doesn't indicate a local licence or that LILPE services are available in Europe. Availability and settlement options are confirmed during onboarding.

FAQ

Europe questions

Is LILPE live in Europe?

Which markets, providers and payment methods are available for your business is confirmed during onboarding. This page explains how payments work in Europe and how an orchestration layer fits; it isn't a list of live LILPE connections.

What is strong customer authentication?

A PSD2 requirement that online payments are authenticated with two independent elements (something the customer knows, has or is), with defined exemptions. Its technical standards have applied since 14 September 2019.

Can LILPE settle in this market's currency?

Settlement options, including currency and destination account, are confirmed during onboarding. LILPE's global collection pages describe settlement in INR to an Indian account through cross-border providers; nothing on this page claims other settlement options.

Sources

  1. [1]European Central Bank — Instant Payments Regulation
  2. [2]European Banking Authority — RTS on strong customer authentication and secure communication under PSD2
  3. [3]European Payments Council — The EPC payment schemes define harmonised rules for euro transactions in SEPA

Researched 7 October 2026. Market facts describe the payment systems, not LILPE's connections.

Expanding into Europe?

Tell us where you sell and which providers you use today. We'll confirm what's available and show you the setup on LILPE.

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