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Accept SEPA Bank Transfers on Your Shopify Stores
Master the European Market with Automated SEPA Payments for Shopify
What is SEPA Bank Transfers?
SEPA (Single Euro Payments Area) is the pan-European standard for electronic payments in Euro. It was created to make cross-border Euro transfers as fast, easy, and secure as domestic ones. In 2026, SEPA remains the most cost-effective way for Shopify merchants to accept high-value payments from customers across the continent without the high fees associated with credit cards.
How does this payment gateway work?
When a customer selects SEPA Bank Transfer at checkout, the gateway provides them with your specific IBAN and a unique reference number. The customer then authorizes the transfer from their own banking app. Our system monitors your account in real-time and automatically marks the Shopify order as "Paid" once the funds arrive, triggering your fulfillment process.
Supported Currencies and Countries
This method is strictly for the Euro (EUR). It covers a massive geographic area including all 27 EU member states and a total of 41 countries and territories. This includes the Eurozone, non-Euro EU countries (like Poland and Sweden), the UK, Switzerland, and recently joined members like Albania, Montenegro, Moldova, North Macedonia, and Serbia.
Why Shopify Merchants Should Accept this payment gateway.
Using SEPA is the most efficient way to capture B2B and high-ticket B2C sales. It offers significantly lower transaction fees than cards and is a preferred method for European shoppers who prioritize security. By offering a localized Euro bank transfer, you reduce checkout friction and open your store to millions of consumers who do not use traditional credit cards.
Secure and Reliability.
SEPA transfers are among the most secure payment methods globally. Since payments are pushed by the customer from their own bank, merchants are protected from many types of fraud. In 2026, the implementation of Verification of Payee (VoP) further enhances security by matching the name and IBAN before the transfer is sent, virtually eliminating accidental or fraudulent transfers.
Broader Market Reach
Integrating SEPA allows you to operate as a local player in over 40 countries using a single currency. You can reach diverse markets from the Atlantic to the Balkans with one payment method. This broad reach is essential for stores looking to dominate the European e-commerce landscape and attract a loyal customer base across both EU and non-EU territories.
How to add this payment gateway to your Shopify Store?
Integrating SEPA Bank Transfers into your Shopify store is quick and easy, allowing merchants to offer a secure payment option to their customers. This integration increases customer satisfaction, boosts conversion rates, and provides a simple setup process.
SEPA Bank Transfers
Simple Setup Process
Installing the SEPA Bank Transfer CartDNA Shopify app is quick and easy. Click install, enter your API credentials, and activate. After purchasing the app license, you can start accepting secure Swiss bank payments from your customers instantly.
Business Location
Accept SEPA payments through CartDNA to reach European customers. Our app supports global merchants with a Euro bank account. Reach the European market easily. Contact us for more details.
Bank-Grade Security
This Shopify-approved app is PCI DSS compliant and uses advanced encryption. Since payments are authorized via the customer's bank, you never store sensitive data, reducing liability. GDPR-adherent and secure, it protects your business from data breaches.
SEPA Bank Transfer Shopify App
CartDNA’s Shopify-approved SEPA Bank Transfers app integrates directly with Shopify Checkout, works seamlessly with Shopify, and can be used alongside Shopify Payments with no restrictions.
Features
| Payment type | Bank Transfer |
|---|---|
| Merchant locations |
Europe and Russia Albania, Andorra, Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Montenegro, Netherlands, Norway, Poland, Portugal, Republic of Moldova, Republic of North Macedonia, Romania, San Marino, Serbia, Slovakia, Slovenia, Spain, Sweden, Switzerland, United Kingdom |
| Currencies |
Settlement currency : CHF, CZK, DKK, EUR, GBP, HUF, ISK, MDL, MKD, NOK, PLN, RON, RSD, SEK Processing Currency : CHF, CZK, DKK, EUR, GBP, HUF, ISK, MDL, MKD, NOK, PLN, RON, RSD, SEK |
| Other |
Refunds : ✔️ Chargebacks : ❌ Recurring : ❌ |