Accept and pay out via SEPA in euro
SEPA turns 36 European countries into one euro payment area: a single IBAN-based credit transfer reaches any account, and SEPA Instant clears in under ten seconds where offered. For cross-border businesses, a euro balance with virtual IBANs makes pan-European collection feel local.
SEPA Credit Transfer & SCT Inst at a glance.
The essentials of European Union / SEPA’s payment infrastructure — what it is, who runs it, and how fast money actually moves.
| Rail | SEPA Credit Transfer; SEPA Instant Credit Transfer |
| Operator | European Payments Council |
| Clearing | SCT up to 1 business day; SCT Inst <10 seconds |
| Availability | SCT Inst 24/7 where live |
| Identifiers | IBAN (+ BIC where required); virtual IBAN per customer |
| Currency | EUR |
Collecting and paying out.
Both directions of the flow, on one balance.
Pay in · SEPA Credit Transfer & SCT Inst
Pay-in flow: issue a virtual IBAN per customer or invoice; credits arrive as SEPA transfers you can match 1:1 — or offer SEPA Instant at checkout for sub-10-second confirmation. No card data, minimal fraud surface, B2B-friendly.
Pay out · SEPA Credit Transfer
Payout flow: pay any IBAN in the SEPA area from one euro balance — SCT for standard value, SCT Inst for urgency. Supplier settlements, refunds and creator payouts across the continent run off a single account.
Settle to stablecoin treasury.
Keep your EUR balance for local spend, or convert to USDT / USDC and withdraw on-chain — the corridor where stablecoin settlement usually pays for itself.
One balance, two worlds
Settlement angle: euro collections settle to USDT/USDC when treasury wants on-chain dollars — increasingly relevant for EU businesses navigating MiCA-era stablecoin rules. ApeX keeps the conversion screened and documented.
Payout rails covered
SEPA Credit Transfer, SEPA Instant (SCT Inst), virtual IBAN. Disburse from the same balance you collect into — no separate funding wires.
Common questions.
What is a virtual IBAN and why use one?
A per-customer or per-invoice account reference that routes into your main euro balance — payments reconcile themselves without shared references.
How wide is SEPA coverage?
36 countries participate, including all EU members plus the UK-adjacent non-EU euro and non-euro markets — one rail, one currency, one balance.
Is SEPA Instant available everywhere?
Banks join SCT Inst on their own timetable; coverage is broad but not universal. ApeX falls back to standard SCT where Instant is not yet live.
Every market, one integration.
Collect EUR locally and settle globally — or add any other corridor from the same balance.
Brazil · Pix
Local collections and payouts via Pix — settle to USDT / USDC or fiat.
India · UPI
Local collections and payouts via UPI — settle to USDT / USDC or fiat.
Philippines · GCash / Maya & InstaPay
Local collections and payouts via GCash / Maya & InstaPay — settle to USDT / USDC or fiat.
Indonesia · QRIS
Local collections and payouts via QRIS — settle to USDT / USDC or fiat.
Vietnam · MoMo / ZaloPay / VNPay & NAPAS
Local collections and payouts via MoMo / ZaloPay / VNPay & NAPAS — settle to USDT / USDC or fiat.
Thailand · PromptPay
Local collections and payouts via PromptPay — settle to USDT / USDC or fiat.
Mexico · SPEI
Local collections and payouts via SPEI — settle to USDT / USDC or fiat.
Colombia · PSE & Nequi
Local collections and payouts via PSE & Nequi — settle to USDT / USDC or fiat.
Nigeria · NIP bank transfers
Local collections and payouts via NIP bank transfers — settle to USDT / USDC or fiat.
Pakistan · Raast & JazzCash / Easypaisa
Local collections and payouts via Raast & JazzCash / Easypaisa — settle to USDT / USDC or fiat.
Kenya · M-Pesa
Local collections and payouts via M-Pesa — settle to USDT / USDC or fiat.
Argentina · Transferencias (CVU/alias)
Local collections and payouts via Transferencias (CVU/alias) — settle to USDT / USDC or fiat.
Singapore · PayNow / FAST
Local collections and payouts via PayNow / FAST — settle to USDT / USDC or fiat.
Malaysia · DuitNow / FPX
Local collections and payouts via DuitNow / FPX — settle to USDT / USDC or fiat.
Hong Kong SAR · FPS (Faster Payment System)
Local collections and payouts via FPS (Faster Payment System) — settle to USDT / USDC or fiat.
China · Alipay / WeChat Pay (cross-border)
Local collections and payouts via Alipay / WeChat Pay (cross-border) — settle to USDT / USDC or fiat.
United Kingdom · Faster Payments / Open Banking
Local collections and payouts via Faster Payments / Open Banking — settle to USDT / USDC or fiat.
United States · ACH / RTP / FedNow
Local collections and payouts via ACH / RTP / FedNow — settle to USDT / USDC or fiat.
Australia · NPP (PayID / Osko)
Local collections and payouts via NPP (PayID / Osko) — settle to USDT / USDC or fiat.
Bangladesh · bKash / Nagad (MFS)
Local collections and payouts via bKash / Nagad (MFS) — settle to USDT / USDC or fiat.
Egypt · InstaPay / Fawry
Local collections and payouts via InstaPay / Fawry — settle to USDT / USDC or fiat.
Ghana · MTN MoMo / Telecel Cash
Local collections and payouts via MTN MoMo / Telecel Cash — settle to USDT / USDC or fiat.
South Africa · PayShap / Ozow (pay-by-bank)
Local collections and payouts via PayShap / Ozow (pay-by-bank) — settle to USDT / USDC or fiat.