# SEPA

SEPA (Single Euro Payments Area) is the European standard for bank transfers in euros. It covers 36 countries including the EU, Switzerland, Norway, and Iceland. Use it as a destination for payouts to European bank accounts.

**Countries:** Eurozone + SEPA area | **Currency:** EUR | **Direction:** Pay-out

## Required fields

| Field                          | Type     | Description                |
| ------------------------------ | -------- | -------------------------- |
| `type`                         | `string` | Must be `"SEPA"`           |
| `currency`                     | `string` | Must be `"EUR"`            |
| `sepa.iban`                    | `string` | Recipient's IBAN           |
| `sepa.customer.firstName`      | `string` | Recipient's first name     |
| `sepa.customer.lastName`       | `string` | Recipient's last name      |
| `sepa.customer.email`          | `string` | Recipient's email          |
| `sepa.customer.documentNumber` | `string` | National ID or tax number  |
| `sepa.customer.documentType`   | `string` | Document type              |
| `sepa.bic`                     | `string` | BIC/SWIFT code of the bank |

## Example

```json
{
  "type": "SEPA",
  "currency": "EUR",
  "sepa": {
    "iban": "DE89370400440532013000",
    "bic": "COBADEFFXXX",
    "customer": {
      "firstName": "Hans",
      "lastName": "Müller",
      "email": "hans@example.com",
      "documentType": "DNI",
      "documentNumber": "X1234567A"
    }
  }
}
```

## OpenAPI reference

* Spec: `conomyhq-api`
* Component: `sepa`
* Source: [Payment API.yaml](https://raw.githubusercontent.com/conomyapp/gitbook-docs/main/.gitbook/assets/Payment%20API.yaml)