---
title: "SEPA"
slug: "payout-coverage-sepa"
updated: 2026-07-08T14:12:34Z
published: 2026-07-08T14:12:34Z
canonical: "docs.xendit.co/payout-coverage-sepa"
---

> ## Documentation Index
> Fetch the complete documentation index at: https://docs.xendit.co/llms.txt
> Use this file to discover all available pages before exploring further.

# SEPA

## Overview

| Payout Rail | Local - SEPA |
| --- | --- |
| Supported Currencies | EUR |
| Estimated Time of Arrival | Instant |
| Cut-off Time | 18:00, reopen at 07:00 (Europe/Andorra GMT+02:00) |
| Transaction Limit | Unlimited |
| Description Support | No |
| Supported Use Case | B2B, B2C |

## What is SEPA?

SEPA stands for Single Euro Payments Area. It is a European Union initiative that simplifies, standardizes, and lowers the cost of bank transfers and direct debits in Euros across borders. The SEPA network encompasses 41 participating countries.

## Supported Channels

Learn the different payout destinations that we support along with its destination-specific information in the table below:

[Embedded content](https://airtable.com/embed/appa8YthqtdBznm0k/shrE1mvcWLNQFjAfs)