Freedom251 › Direct Debit Processing Software
SEPA.net
What SEPA.net is
SEPA.net processes cashless payments by direct debit through a web service. It provides API access and international scheme coverage, but does not offer a hosted payment page. The price list states there is no setup fee. Transaction fees apply: collected amounts up to 5,00 Euro incur 0,19 Euro per transaction; amounts from 5,01 Euro incur 3,9 % of the collected amount. Listed rates cover up to 500 monthly transactions, with higher volumes available on request. Tarif A is listed at €199 a month, Tarif B at €399 a month, and Tarif C at €499 a month; transaction fees also apply. Their terms list 47,76 € + MwSt. for 24 months, 47,88 € + MwSt. for 12 months, and 29,94 € + MwSt. for 6 months, respectively, debited at the start. Collected amounts are credited on the 15th of the following month. SEPA.net says it covers return debit fees while the return debit rate is below 5%; above that, each additional return debit costs 7,00 Euro plus statutory VAT. Processing takes place in Germany, another EU member state, or another EEA contracting state; third-country transfers require prior customer approval and GDPR transfer compliance.
Who it suits
SEPA.net may suit organizations seeking direct-debit processing with API access and international scheme coverage. Check the transaction charges, volume limits, and plan terms against your payment needs.
What it does well
- No setup fee is listed.
- API access is available.
- International scheme coverage is listed.
- Processing is limited to Germany, the EU, or EEA by default.
What to know first
- No free plan is listed.
- Transaction fees apply in addition to plan fees.
- Listed rates cover up to 500 monthly transactions.
- A hosted payment page is not available.
Limits
Listed rates cover up to 500 monthly transactions; higher volumes require a request. Transaction fees apply, and return debits above a 5% rate incur 7,00 Euro plus statutory VAT for each additional return debit.
Plans
| Plan | Billed and limits | Price |
|---|---|---|
| Tarif A | 47,76 € + MwSt. for the 24-month term, debited at the start · Up to 500 monthly transactions; more on request · transaction fees apply | €199 a month |
| Tarif B | 47,88 € + MwSt. for the 12-month term, debited at the start · Up to 500 monthly transactions; more on request · transaction fees apply | €399 a month |
| Tarif C | 29,94 € + MwSt. for the 6-month term, debited at the start · Up to 500 monthly transactions; more on request · transaction fees apply | €499 a month |
As sepa.net lists them, read 7 Oct 2026. The maker's own page has the final word.
Getting started
- Open the SEPA.net website
- Select Tarif A, Tarif B, or Tarif C
- Review the applicable billing term and transaction fees
- Integrate through the available API
- Begin processing direct-debit payments
Verdict
SEPA.net offers direct-debit processing with API access and defined transaction and return-debit terms. Review the fee structure and billing terms, particularly if your volume exceeds 500 monthly transactions.
Questions
What does SEPA.net cost?
Pricing starts at €1.99/mo. Tarif A is listed at €199 a month, Tarif B at 399.00 EUR, and Tarif C at 499.00 EUR, with the stated term billing amounts and transaction fees.
Is there a free plan or setup fee?
There is no free plan. The price list states that there is no setup fee.
How many transactions are included?
The listed rates cover up to 500 monthly transactions. Higher volumes are available on request.
Does SEPA.net provide an API or hosted payment page?
API access is available. A hosted payment page is not available.
Where is payment data processed?
Processing takes place in Germany, another EU member state, or another EEA contracting state. A third-country transfer requires prior customer approval and GDPR transfer compliance.
When are collected amounts credited?
Collected amounts are credited on the 15th of the following month.
Facts from SEPA.net's own pages
- Audit rights
- The agreement gives the customer rights to conduct or arrange checks and request evidence of technical and organizational measures. · sepa.net, 7 Oct 2026
- Data processing region
- The data processing agreement says processing takes place in Germany, an EU member state, or another EEA contracting state; transfer to a third country requires prior customer approval and compliance with GDPR transfer requirements. · sepa.net, 7 Oct 2026
- Data protection officer
- The agreement says the processor must appoint a data protection officer and provide their contact details to the customer. · sepa.net, 7 Oct 2026
- Early termination
- The price list says either party may terminate by email, fax, or letter, and prepaid monthly fees may become a setup fee if termination occurs before the selected fee term ends. · sepa.net, 7 Oct 2026
- Failed direct debits
- SEPA.net says it covers return debit fees while the return debit rate is below 5%; above that threshold, it charges 7,00 Euro plus statutory VAT per additional return debit. · sepa.net, 7 Oct 2026
- Headquarters
- Aachen, Germany · sepa.net, 28 Sept 2026
- Security and privacy
- The data processing agreement describes measures intended to protect confidentiality, integrity, availability, and system resilience under GDPR requirements. · sepa.net, 7 Oct 2026
- Service
- SEPA.net provides electronic processing of cashless payments by direct debit. · sepa.net, 7 Oct 2026
- Settlement timing
- The price list says collected amounts are credited on the 15th of the following month. · sepa.net, 7 Oct 2026
- Setup fee
- The price list states that there is no setup fee. · sepa.net, 7 Oct 2026
- Transaction fee
- For collected amounts up to 5,00 Euro, the listed fee is 0,19 Euro per transaction; from 5,01 Euro, it is 3,9 % of the collected amount. · sepa.net, 7 Oct 2026
- Transaction volume
- The listed rates cover up to 500 monthly transactions, with higher volumes available on request. · sepa.net, 7 Oct 2026
Where SEPA.net stands on Freedom251
- Direct Debit Processing Software#20 of 22