SEPA payment - a payment transaction in euros between the payer and the payee when both their payment service providers are located in SEPA countries and connected to the SEPA payment system. You can find the list of SEPA countries on the website of the European Payments Council (EPC).

SWIFT Payment - a payment transaction that occurs when the payer's or payee's payment service provider is located in a non-SEPA country or when these providers are not connected to the SEPA payment system.

SEPA payment - a payment transaction in euros between the payer and the payee when both their payment service providers are located in SEPA countries and connected to the SEPA payment system. You can find the list of SEPA countries on the website of the European Payments Council (EPC).

SWIFT Payment - a payment transaction that occurs when the payer's or payee's payment service provider is located in a non-SEPA country or when these providers are not connected to the SEPA payment system.