Ardbrook now has a version of our PayCE (Direct Debit, Direct Credit) software available which can create SEPA ( Single European Payment Area ) Credit transfers (SCT). SEPA will enable customers to make cashless euro payments to anyone located anywhere in the area using only a single bank account and a single set of payment instruments, this means that for example payments can be made from using an irish bank account to any bank account in counties covered by SEPA.

SEPA consists of 33 countries:
  • the 17 members of European Economic Area (EEA) and EU that are in the Eurozone
  • the 11 members of EEA and EU that are not in the Eurozone,
  • the 3 members of the EEA that are not in the EU: Liechtenstein, Iceland and Norway (Svalbard is not part of the EEA)
  • 1 non EU country that uses the Euro by agreement with the EU, but is not officially part of the Eurozone: Monaco
  • Switzerland