SEPA Payment Gateway · 36 countries

SEPA-native
payment gateway
for high-risk Europe.

iGaming, casino, forex, crypto — accepted across 36 SEPA countries. SEPA Direct Debit, SEPA Instant, iDEAL, Giropay, Bancontact, and open banking PSD2. MGA, UKGC, Curaçao, Isle of Man, Gibraltar licences supported.

99.1% card approval
SEPA Instant ready
PSD2 compliant
European Application

Start processing SEPA in 48 hours

Tell us about your European operations. We'll reply within 4 business hours.

Encrypted submission — data never shared.

SEPA zone coverage: 36 European countries
SEPA vs cards: cost, speed, coverage, chargeback exposure
European Coverage at a Glance

One integration across 36 SEPA countries

From Portugal to Finland, Malta to Iceland — FalconPay's SEPA rail serves the entire Single Euro Payments Area, with local rails on top for country-specific flows.

36
SEPA countries covered
99.1%
Card approval rate
10+
Local payment methods
5 sec
SEPA Instant settlement
SEPA Rails

SEPA Direct Debit + Credit Transfer, done properly

The two core SEPA flows every iGaming operator needs. We handle mandate management, IBAN validation, reason code routing, and SEPA Instant upgrades where banks support it.

Inbound collection

SEPA Direct Debit (SDD)

Mandate-based recurring collection across 36 SEPA countries. B2C Core scheme with 8-week dispute window, B2B scheme with no consumer reversal. Mandate storage and pre-notification handled by our platform.

  • B2C and B2B SDD schemes
  • Digital mandate signing with proof-of-consent
  • IBAN check + bank-of-record verification
  • Reason code routing and retry logic
  • Pre-notification and mandate lifecycle API
Outbound payout

SEPA Credit Transfer (SCT)

EUR payouts to player bank accounts across SEPA. Standard SCT settles same-day or next-day; SEPA Instant Credit Transfer (SCT Inst) settles in under 10 seconds to SCT-Inst-enabled banks — ~75% of European banks now support it.

  • SEPA Instant (SCT Inst) — sub-10-second payouts
  • Standard SCT for non-Instant banks
  • Bulk payout batching with ISO 20022 pain.001
  • Beneficiary IBAN + name verification (VoP-ready)
  • Sanctions screening at payout time
Country-Specific Payment Methods

The local rails European players actually use

SEPA is the baseline, not the whole story. Each SEPA country has its own dominant payment method, and skipping them costs you 20–40% of conversion. FalconPay gives you every one through a single integration.

🇳🇱

Netherlands

iDEAL

#1 Dutch payment method. Used by 70%+ of Dutch online shoppers. Bank-guaranteed payment with real-time confirmation.

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Germany

Giropay · Sofort

Giropay via German online banking. Sofort for direct bank-account-to-merchant flows. Cards are secondary in DE.

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Belgium

Bancontact

Belgium's dominant debit network. 90%+ of Belgian debit cards carry Bancontact. Mobile app-based authentication.

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Austria

EPS

Electronic Payment Standard — Austria's online banking payment method. Wide bank coverage, real-time settlement.

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Poland

BLIK

Mobile-first payment via 6-digit code from banking apps. Most popular method for Polish online gaming deposits.

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Portugal

MB WAY · MultiBanco

MB WAY mobile wallet (6M+ users). MultiBanco for offline cash-via-ATM deposits — critical for unbanked Portuguese players.

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Sweden

Swish · Trustly

Swish for mobile P2M payments (8M+ users). Trustly for direct bank-account payments — dominant in Nordic iGaming.

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Norway

Vipps · Trustly

Vipps for mobile payments (4M+ users). Trustly for online bank payments. Cards widely used alongside both.

Open Banking · PSD2

Account-to-account payments. No chargebacks.

PSD2 opened up European bank APIs for licensed payment institutions. FalconPay uses that access to offer open banking payments — direct account-to-account transfers authenticated by the player's bank, with no card networks in the middle. Result: no chargebacks, lower fees, higher approval rates.

How open banking payments work

Player selects their bank at checkout, authenticates with Strong Customer Authentication (SCA) in their banking app, and the bank pushes the payment directly to your merchant account. Settlement is typically real-time on SEPA Instant rails.

  • No chargebacks. Open banking payments are irreversible once SCA-authenticated — no card network dispute window.
  • Lower fees. Typically 30–60% cheaper than card processing, especially at volume.
  • Higher conversion. 90%+ success rate vs 85% typical card approval — and no 3DS2 friction on top.
  • Built-in KYC. Bank has already verified the player — you inherit that KYC for AML purposes.
EU Gaming Licences Supported

We work with every major European gaming authority

Your licence is the gate to European markets. These are the regulators whose licensed operators we actively onboard — many of whom switched from payment processors that pulled out of iGaming in 2024–2025.

MGA

Malta Gaming Authority

Jurisdiction: Malta · EU member

Europe's most established iGaming licence. Class 1 and Class 2 operators supported. Strong AML/CFT framework recognised across SEPA.

UKGC

UK Gambling Commission

Jurisdiction: United Kingdom

Remote Operating Licence holders supported. GBP processing available alongside SEPA EUR for dual-market operators.

CGB

Curaçao Gaming Control Board

Jurisdiction: Curaçao · Offshore

Most common licence for international iGaming operators. We onboard Curaçao-licensed operators targeting SEPA markets under enhanced due diligence.

IOM

Isle of Man Gambling Commission

Jurisdiction: Isle of Man

OGRA licence holders supported. Respected jurisdiction for European iGaming with strong regulator relationships.

GGC

Gibraltar Gambling Commission

Jurisdiction: Gibraltar

Gibraltar licence holders approved — especially operators serving the UK and other English-speaking European markets.

EST

Estonia Tax & Customs Board

Jurisdiction: Estonia · EU member

Estonian remote gambling licence is a cost-effective path to EU-licensed operation. Fully supported with SEPA EUR processing.

FAQ

European high-risk processing questions

Does FalconPay support SEPA payments for high-risk merchants in Europe?
Yes. FalconPay offers SEPA Direct Debit and SEPA Credit Transfer across all 36 SEPA countries for iGaming, online casino, forex, and other high-risk merchants. SEPA Instant Credit Transfer is supported for real-time EUR settlement within SEPA-Instant-enabled banks.
Which European gaming licences does FalconPay accept?
FalconPay works with operators licensed by the Malta Gaming Authority (MGA), UK Gambling Commission (UKGC), Curaçao Gaming Control Board, Isle of Man Gambling Supervision Commission, Gibraltar Gambling Commissioner, and Estonia Tax and Customs Board. We also work with unlicensed operators in permissive jurisdictions under enhanced due diligence.
What local European payment methods does FalconPay support?
iDEAL (Netherlands), Giropay and Sofort (Germany), Bancontact (Belgium), EPS (Austria), BLIK (Poland), MB WAY and MultiBanco (Portugal), Swish and Trustly (Sweden), Vipps (Norway), MobilePay (Denmark), and SEPA-wide methods. Plus Visa, Mastercard, Maestro card acquiring.
Is FalconPay PSD2 compliant for open banking payments?
Yes. FalconPay offers PSD2-compliant open banking (account-to-account) payment flows, providing a chargeback-proof alternative to card payments. Open banking payments are authenticated via Strong Customer Authentication (SCA) and settle directly between bank accounts.
How long does merchant onboarding take for European operators?
Most European merchants are approved within 48 hours of submitting full documentation — business registration, gaming licence (if applicable), beneficial ownership, AML policy, and proof of processing history. Live SEPA processing typically begins within 5 business days after contract signing.
Can FalconPay handle multi-currency processing within Europe?
Yes. EUR is the primary settlement currency, but FalconPay processes GBP, CHF, SEK, NOK, DKK, PLN, CZK, HUF, RON, and BGN natively. Dynamic currency conversion is available at competitive interbank rates plus a transparent markup.
What is FalconPay's card approval rate in Europe?
FalconPay maintains a 99.1% card approval rate for properly authenticated transactions across SEPA countries, helped by local EU acquiring relationships, PSD2-compliant 3DS2 with exemption optimisation, and smart routing across multiple acquirers to avoid soft-decline loops.
Related Resources

More on European payment processing

Ready to Process

Start accepting EUR across Europe.

iGaming, casino, forex, crypto — across 36 SEPA countries with one integration. 48-hour approval. SEPA Instant settlement. Local payment methods in every market.

SEPA Instant
PSD2 compliant
MGA/UKGC/Curaçao