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Discover Treezor's SEPA credit transfer solution

Simplify and boost your financial transactions with Treezor’s SEPA credit transfer solution. Whether inbound or outbound, recurring or one-off, single or batch, Treezor lets you easily integrate this solution into your offering.

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How does a SEPA credit transfer work?

A SEPA credit transfer is used to transfer money between individuals or businesses within the SEPA zone, which comprises 36 countries. To issue a transfer, the account holder must provide certain information, including:

the identity of the beneficiary (name for individuals and company name for businesses);
IBAN;
BIC code;
the amount of the transaction;
execution date and frequency (one-off or ongoing).

SEPA credit transfer features and benefits

The SEPA credit transfer facilitates financial transactions between companies or individuals by offering the following advantages:

A high ceiling and a significant reach thanks to harmonized payment rules in the SEPA zone

Simplified, secure management of recurring payments

Fast processing between 24 and 48 hours after validation by the bank and reduced costs

Why choose Treezor for SEPA credit transfers?

Recognized expertise and ease of use via API

Treezor has been managing SEPA credit transfers since its launch in 2016, and has processed more than 80 billion flows. Our API-accessible solution makes it easy and secure to carry out standard SEPA credit transfers, whether incoming (SCT R) or outgoing (SCT E

Fast processing and real-time notifications

We process SEPA transfers several times a day in batch mode, ensuring short lead times for receipt of funds. Every event is notified instantly via webhook, ensuring proactive management and total transparency.

Expertise and security

Treezor monitors transactions and applies the required regulatory controls. Treezor also benefits from the reliability and expertise of Societe Generale, as a shareholder and SEPA leader (Top 3 clearer worldwide). As an entity subject to LCB-FT obligations, Treezor maintains constant vigilance over SEPA credit transfers. Users are pre-screened by a KYC process to ensure compliance with current regulations.

Treezor’s advanced features for SEPA credit transfers

Recurring transfers
Batch transfers
Recall and Request of Recall by Originator in the event of a recipient error, or when the transfer is fraudulent or issued in duplicate, for example.
Management of rejects, with information when the account is closed, for example
BIC verification: Treezor systematically checks that the BIC entered is linked to an EBA bank.

Some examples of SEPA Credit Transfer usage

Salary payments

Companies use SEPA credit transfers to pay their employees’ salaries quickly and securely.

Bill payments

Individuals pay their bills (electricity, telephone, Internet, etc.) by recurring or one-off SEPA transfers.

Supplier payment

Companies pay their European suppliers using SEPA credit transfers, facilitating cross-border transactions and reducing payment times.

Investments and savings

Individuals use SEPA transfers to fund their savings accounts or make investments.Individuals use SEPA transfers to fund their savings accounts or make investments.