01
Create a payment link
Set the amount, currency and your Polygon USDC wallet. Share the PayLio checkout with your customer.
SEPA crypto payments
Let European customers pay by SEPA transfer. Receive USDC.
Customers who prefer paying from their bank account can send a SEPA transfer in euros. PayLio hands the payment to a provider that accepts bank transfers and sends your payout as USDC on Polygon.
Offered to customers in European countries. Bank transfers can take longer to complete than card payments.
Customer checkout
Pay with
SEPA
- Provider-hosted authorization
- Automatic fiat-to-crypto routing
- USDC payout to your wallet
SEPA at a glance
- Where it is offered
- European countries
- What the customer needs
- A bank account that can send SEPA transfers
- Smallest payment
- Set by the provider handling the transfer
- What you receive
- USDC on Polygon
Simple merchant flow
One payment link, more ways to pay
02Customer chooses SEPA
The customer picks SEPA transfer at checkout and follows the provider's instructions to send the transfer from their bank.
03
Receive USDC
After the provider completes the payment, the payout is routed to your configured Polygon USDC wallet.
Location-aware checkout
Show the right option to the right customer
SEPA transfer is shown to customers located in Europe when a bank-transfer provider is available for the amount. A transfer is only complete once the provider has received the money, which can take longer than a card payment.
Customers who are not eligible still see the other payment methods available for their region, so one unsupported option does not block the checkout.
Automatic regional filtering
PayLio only presents SEPA when the detected checkout region is supported.
Provider-hosted payment flow
Sensitive account and payment details stay within the third-party provider's authorization flow.
One consistent merchant payout
Customers get more ways to pay while your settlement workflow remains focused on Polygon USDC.
SEPA payment FAQ
Can my customers pay by SEPA bank transfer through PayLio?
Yes. Customers located in Europe see SEPA transfer at checkout when a provider that accepts bank transfers is available for the amount.
How long does a SEPA payment take?
It depends on the customer's bank and the provider. Card and wallet payments are usually confirmed faster; a bank transfer is only complete once the provider has received the funds. Your payout follows after that.
Do I need a European bank account to accept SEPA?
No. The customer sends the transfer to the payment provider. You receive the payout as USDC on Polygon in the wallet you entered for the payment.
Another bank option
Explore iDEAL payments
Customers in the Netherlands can pay directly from their banking app with iDEAL.