{"id":127,"date":"2021-03-02T20:20:32","date_gmt":"2021-03-02T18:20:32","guid":{"rendered":"https:\/\/satchel.eu\/?page_id=127"},"modified":"2026-04-20T15:45:19","modified_gmt":"2026-04-20T12:45:19","slug":"infraestrutura-de-pagamentos","status":"publish","type":"page","link":"https:\/\/satchel.eu\/pt\/infraestrutura-de-pagamentos\/","title":{"rendered":"Infraestrutura de pagamentos"},"content":{"rendered":"<section class=\"section d-lg-flex align-items-lg-center pb-30 pt-0\">\r\n  <div class=\"container\">\r\n    <div class=\"row\">\r\n      <div class=\"col-lg-12 mx-auto\">\r\n        <h1 class=\"mb-0 text-center\">SWIFT &#038; SEPA Payment services for easy transactions<\/h1>\r\n      <\/div>\r\n    <\/div>\r\n    <!-- <div class=\"d-flex align-items-center justify-content-center mt-30\">\r\n    <a href=\"#section2\" class=\"js-scroll-to\"><img decoding=\"async\" src=\"<?php echo esc_url( home_url() ); ?>\/wp-content\/themes\/satchel\/public\/img\/hero-scroll-down-icon.svg?v=2.5\" width=\"48\" height=\"48\" alt><\/a> \r\n  <\/div> -->\r\n  <\/div>\r\n<\/section>\r\n\r\n<section class=\"section pt-md-0\">\r\n  <div class=\"container no-grayscale\">\r\n    <div class=\"row align-items-center\">\r\n      <div class=\"col-md-8 col-lg-6 offset-lg-2\">\r\n        <h2 class=\"px-0 mb-15\">SEPA Instant<\/h2>\r\n        <p class=\"mb-25\">A SEPA Instant account with Satchel enables you to make real-time transfers. Your money is guaranteed to reach the recipient\u2019s account immediately.<\/p>\r\n        <ul class=\"list mb-25\">\r\n          <li>Execution time up to 10 seconds<\/li>\r\n          <li>24\/7\/365 availability<\/li>\r\n          <li>Supported across 36 countries in Europe and the UK<\/li>\r\n          <li>Added security of transactions<\/li>\r\n          <li>No hidden fees<\/li>\r\n        <\/ul>\r\n        <a class=\"btn btn-primary\" href=\"<?php echo esc_url( home_url('\/sepa-instant-transfers\/') ); ?>&#8220;>Learn more<\/a>\r\n      <\/div>\r\n      <div class=\"col-md-8 col-lg-7 text-center d-none d-md-block\">\r\n        <picture>\r\n          <source\r\n            srcset=\"<?php echo esc_url( home_url() ); ?>\/wp-content\/themes\/satchel\/public\/img\/webp\/sepa-instant-transfers\/hero-img3.webp&#8221;\r\n            type=&#8221;image\/webp&#8221; \/>\r\n          <img decoding=\"async\"\r\n            src=\"<?php echo esc_url( home_url() ); ?>\/wp-content\/themes\/satchel\/public\/img\/sepa-instant-transfers\/hero-img3.png&#8221;\r\n            width=&#8221;528&#8243; height=&#8221;385&#8243;\r\n            alt=&#8221;&#8221; \/>\r\n        <\/picture>\r\n      <\/div>\r\n    <\/div>\r\n  <\/div>\r\n<\/section>\r\n\r\n<section class=\"section\">\r\n  <div class=\"container no-grayscale\">\r\n    <div class=\"row align-items-center\">\r\n      <div class=\"col-md-8 col-lg-6 offset-lg-2 mb-md-0 mb-30\">\r\n        <h2 class=\"px-0 mb-15\">SEPA Transfers<\/h2>\r\n        <p class=\"mb-25\">SEPA enables you to make cross-border payments within Europe as convenient as domestic transfers. 36 countries in the EU, EEA, and EFTA, including the UK, are currently members of the SEPA project.<\/p>\r\n        <a class=\"btn btn-primary\" href=\"<?php echo esc_url( home_url('\/') ); ?>faq\/sepa-the-ultimate-guide\/&#8221;>Learn more<\/a>\r\n      <\/div>\r\n      <div class=\"col-md-8 col-lg-6 offset-lg-1\">\r\n        <div class=\"d-flex flex-row flex-wrap\">\r\n          <div class=\"d-flex align-items-center w-100 w-md-50 pr-md-20 mb-md-25 mb-15\"><img class=\"lazyload mr-15 mw-48px mh-48px w-48px h-48px\" data-src=\"<?php echo esc_url( home_url() ); ?>\/wp-content\/themes\/satchel\/public\/img\/sleu-kit-icons-y-low-fees.svg?v=2.5&#8221; src=&#8221;data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==&#8221; alt>\r\n            <p class=\"p-md mb-0\">Lower transaction costs<\/p>\r\n          <\/div>\r\n          <div class=\"d-flex align-items-center w-100 w-md-50 pl-md-20 mb-md-25 mb-15\"><img class=\"lazyload mr-15 mw-48px mh-48px w-48px h-48px\" data-src=\"<?php echo esc_url( home_url() ); ?>\/wp-content\/themes\/satchel\/public\/img\/sleu-kit-icons-y-fast-speed-2.svg?v=2.5&#8221; src=&#8221;data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==&#8221; alt>\r\n            <p class=\"p-md mb-0\">Execution time in 3 &#8211; 24 hours<\/p>\r\n          <\/div>\r\n          <div class=\"d-flex align-items-center w-100 w-md-50 pr-md-20 mb-15 mb-md-0\"><img class=\"lazyload mr-15 mw-48px mh-48px w-48px h-48px\" data-src=\"<?php echo esc_url( home_url() ); ?>\/wp-content\/themes\/satchel\/public\/img\/SLEU__Hidden_Fees.svg?v=2.5&#8221; src=&#8221;data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==&#8221; alt>\r\n            <p class=\"p-md mb-0\">No hidden fees<\/p>\r\n          <\/div>\r\n          <div class=\"d-flex align-items-center w-100 w-md-50 pl-md-20\"><img class=\"lazyload mr-15 mw-48px mh-48px w-48px h-48px\" data-src=\"<?php echo esc_url( home_url() ); ?>\/wp-content\/themes\/satchel\/public\/img\/sleu-kit-icons-y-shield.svg?v=2.5&#8221; src=&#8221;data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==&#8221; alt>\r\n            <p class=\"p-md mb-0\">Security and accuracy of transactions<\/p>\r\n          <\/div>\r\n        <\/div>\r\n      <\/div>\r\n    <\/div>\r\n  <\/div>\r\n<\/section>\r\n\r\n<section class=\"section\">\r\n  <div class=\"container no-grayscale\">\r\n    <div class=\"row align-items-center\">\r\n      <div class=\"col-md-8 col-lg-6 offset-lg-1 mb-md-0 mb-30 order-1 order-md-2\">\r\n        <h2 class=\"px-0 mb-15\">SWIFT Transfers<\/h2>\r\n        <p class=\"mb-md-25 mb-0\">The SWIFT network connects over 11,000 financial organisations around the world and handles on average over 28 million international transfers daily.<\/p>\r\n        <div class=\"d-none d-md-flex flex-sm-row flex-column align-items-start\">\r\n          <a class=\"btn btn-primary js-business-acc-opening-link mr-sm-20 mb-15 mb-sm-0\" href=\"https:\/\/my.satchel.eu\/#\/registration\/business\/\">Open business account<\/a>\r\n          <a class=\"btn btn-primary js-personal-acc-opening-link\" href=\"https:\/\/my.satchel.eu\/#\/registration\/personal\">Open personal account<\/a>\r\n        <\/div>\r\n      <\/div>\r\n      <div class=\"col-md-8 col-lg-6 offset-lg-2 order-2 order-md-1\">\r\n        <div class=\"d-flex flex-row flex-wrap\">\r\n          <div class=\"d-flex align-items-center w-100 w-md-50 pr-md-20 mb-md-25 mb-15\"><img class=\"lazyload mr-15 mw-48px mh-48px w-48px h-48px\" data-src=\"<?php echo esc_url( home_url() ); ?>\/wp-content\/themes\/satchel\/public\/img\/SLEU__Currencies.svg?v=2.5&#8221; src=&#8221;data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==&#8221; alt>\r\n            <p class=\"p-md mb-0\">38 supported currencies<\/p>\r\n          <\/div>\r\n          <div class=\"d-flex align-items-center w-100 w-md-50 pl-md-20 mb-md-25 mb-15\"><img class=\"lazyload mr-15 mw-48px mh-48px w-48px h-48px\" data-src=\"<?php echo esc_url( home_url() ); ?>\/wp-content\/themes\/satchel\/public\/img\/sleu-kit-icons-y-worldwide.svg?v=2.5&#8221; src=&#8221;data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==&#8221; alt>\r\n            <p class=\"p-md mb-0\">Available in over 100 countries<\/p>\r\n          <\/div>\r\n          <div class=\"d-flex align-items-center w-100 w-md-50 pr-md-20 mb-15 mb-md-0\"><img class=\"lazyload mr-15 mw-48px mh-48px w-48px h-48px\" data-src=\"<?php echo esc_url( home_url() ); ?>\/wp-content\/themes\/satchel\/public\/img\/sleu-kit-icons-y-payment-infrastructure.svg?v=2.5&#8221; src=&#8221;data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==&#8221; alt>\r\n            <p class=\"p-md mb-0\">Transparent transaction route<\/p>\r\n          <\/div>\r\n          <div class=\"d-flex align-items-center w-100 w-md-50 pl-md-20\"><img class=\"lazyload mr-15 mw-48px mh-48px w-48px h-48px\" data-src=\"<?php echo esc_url( home_url() ); ?>\/wp-content\/themes\/satchel\/public\/img\/sleu-kit-icons-y-traceable-look.svg?v=2.5&#8221; src=&#8221;data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==&#8221; alt>\r\n            <p class=\"p-md mb-0\">Traceable payment information<\/p>\r\n          <\/div>\r\n        <\/div>\r\n      <\/div>\r\n    <\/div>\r\n  <\/div>\r\n<\/section>\r\n\r\n<section class=\"section\">\r\n  <div class=\"container\">\r\n    <div class=\"row align-items-center\">\r\n      <div class=\"col-md-8 col-lg-6 offset-lg-2 mb-md-0 mb-30\">\r\n        <h2 class=\"col-lg-15 px-0 mb-15\">Mass payments<\/h2>\r\n        <p class=\"mb-25\">Optimize the payment process and avoid manual periodic payment initiation.\r\n        <ul class=\"list list--sm mb-0\">\r\n          <li>Pay multiple recipients at once<\/li>\r\n          <li>Up to 5000 recipients per transaction<\/li>\r\n          <li>Available for personal and business account holders<\/li>\r\n        <\/ul>\r\n      <\/div>\r\n      <div class=\"col-md-8 col-lg-6 offset-lg-1\">\r\n        <div class=\"offers\">\r\n          <div class=\"row\">\r\n            <div class=\"offers__item offers__item--33 mb-15\">\r\n              <div class=\"offer\">\r\n                <div class=\"offer__icon\"><img class=\"lazyload mw-48px mh-48px w-48px h-48px w-md-56px h-md-56px mw-md-56px mh-md-56px\" data-src=\"<?php echo esc_url( home_url() ); ?>\/wp-content\/themes\/satchel\/public\/img\/sleu-kit-icons-y-api.svg?v=2.5&#8221; src=&#8221;data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==&#8221; alt><\/div>\r\n                <p class=\"offer__text p-md text-gray mb-0\">Payouts via API calls or batch file\r\n                <\/p>\r\n              <\/div>\r\n            <\/div>\r\n            <div class=\"offers__item offers__item--33 mb-15\">\r\n              <div class=\"offer\">\r\n                <div class=\"offer__icon\"><img class=\"lazyload mw-48px mh-48px w-48px h-48px w-md-56px h-md-56px mw-md-56px mh-md-56px\" data-src=\"<?php echo esc_url( home_url() ); ?>\/wp-content\/themes\/satchel\/public\/img\/sleu-kit-icons-y-currencies.svg?v=2.5&#8221; src=&#8221;data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==&#8221; alt><\/div>\r\n                <p class=\"offer__text p-md text-gray mb-0\">38 currencies, 115 countries\r\n                <\/p>\r\n              <\/div>\r\n            <\/div>\r\n            <div class=\"offers__item offers__item--33 mb-15\">\r\n              <div class=\"offer\">\r\n                <div class=\"offer__icon\"><img class=\"lazyload mw-48px mh-48px w-48px h-48px w-md-56px h-md-56px mw-md-56px mh-md-56px\" data-src=\"<?php echo esc_url( home_url() ); ?>\/wp-content\/themes\/satchel\/public\/img\/sleu-kit-icons-y-support.svg?v=2.5&#8221; src=&#8221;data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==&#8221; alt><\/div>\r\n                <p class=\"offer__text p-md text-gray mb-0\">Dedicated customer support\r\n                <\/p>\r\n              <\/div>\r\n            <\/div>\r\n            <div class=\"offers__item offers__item--33 mb-15\">\r\n              <div class=\"offer\">\r\n                <div class=\"offer__icon\"><img class=\"lazyload mw-48px mh-48px w-48px h-48px w-md-56px h-md-56px mw-md-56px mh-md-56px\" data-src=\"<?php echo esc_url( home_url() ); ?>\/wp-content\/themes\/satchel\/public\/img\/sleu-kit-icons-y-fast-speed-2.svg?v=2.5&#8221; src=&#8221;data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==&#8221; alt><\/div>\r\n                <p class=\"offer__text p-md text-gray mb-0\">Instant validation<\/p>\r\n              <\/div>\r\n            <\/div>\r\n            <div class=\"offers__item offers__item--33 mb-15\">\r\n              <div class=\"offer\">\r\n                <div class=\"offer__icon\"><img class=\"lazyload mw-48px mh-48px w-48px h-48px w-md-56px h-md-56px mw-md-56px mh-md-56px\" data-src=\"<?php echo esc_url( home_url() ); ?>\/wp-content\/themes\/satchel\/public\/img\/sleu-kit-icons-y-fast-speed.svg?v=2.5&#8221; src=&#8221;data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==&#8221; alt><\/div>\r\n                <p class=\"offer__text p-md text-gray mb-0\">24\/7 availability\r\n                <\/p>\r\n              <\/div>\r\n            <\/div>\r\n            <div class=\"offers__item offers__item--33 mb-15\">\r\n              <div class=\"offer\">\r\n                <div class=\"offer__icon\"><img class=\"lazyload mw-48px mh-48px w-48px h-48px w-md-56px h-md-56px mw-md-56px mh-md-56px\" data-src=\"<?php echo esc_url( home_url() ); ?>\/wp-content\/themes\/satchel\/public\/img\/sleu-kit-icons-y-ready-done-compliance.svg?v=2.5&#8221; src=&#8221;data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==&#8221; alt><\/div>\r\n                <p class=\"offer__text p-md text-gray mb-0\">Integrated security and compliance\r\n                <\/p>\r\n              <\/div>\r\n            <\/div>\r\n          <\/div>\r\n        <\/div>\r\n      <\/div>\r\n    <\/div>\r\n  <\/div>\r\n<\/section>\r\n\r\n<section class=\"section\">\r\n  <div class=\"container\">\r\n    <div class=\"row\">\r\n\r\n      <div class=\"col-md-8 col-lg-6 offset-lg-2 mb-40 mb-md-0 d-flex flex-column align-items-start\">\r\n\r\n        <div class=\"badge mb-15\">COMING SOON<\/div>\r\n        <h2 class=\"px-0 mb-15\">SEPA Direct Debit<!--<br class=\"d-none d-md-block\"><br class=\"d-none d-md-block\">--><\/h2>\r\n        <p class=\"mb-25\">With SEPA Direct Debit funds are automatically pulled from your account each time a recurring payment is due.<\/p>\r\n\r\n        <div class=\"d-flex flex-row flex-wrap align-items-start mb-md-25 mb-15\">\r\n          <div class=\"d-flex align-items-center w-100 w-md-50 pr-md-20 mb-md-25 mb-15\"><img class=\"lazyload mr-15 mw-48px mh-48px w-48px h-48px\" data-src=\"<?php echo esc_url( home_url() ); ?>\/wp-content\/themes\/satchel\/public\/img\/sleu-kit-icons-y-exchange-convert.svg?v=2.5&#8221; src=&#8221;data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==&#8221; alt>\r\n            <p class=\"p-md mb-0\">Automated recurring payments<\/p>\r\n          <\/div>\r\n          <div class=\"d-flex align-items-center w-100 w-md-50 pl-md-20 mb-md-25 mb-15\"><img class=\"lazyload mr-15 mw-48px mh-48px w-48px h-48px\" data-src=\"<?php echo esc_url( home_url() ); ?>\/wp-content\/themes\/satchel\/public\/img\/sleu-kit-icons-y-no-payment-procedure.svg?v=2.5&#8221; src=&#8221;data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==&#8221; alt>\r\n            <p class=\"p-md mb-0\">Payment initiation tasks eliminated<\/p>\r\n          <\/div>\r\n          <div class=\"d-flex align-items-center w-100 w-md-50 pr-md-20 mb-md-25 mb-15\">\r\n            <img class=\"lazyload mr-15 mw-48px mh-48px w-48px h-48px\" data-src=\"<?php echo esc_url( home_url() ); ?>\/wp-content\/themes\/satchel\/public\/img\/sleu-kit-icons-y-debit.svg?v=2.5&#8221; src=&#8221;data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==&#8221; alt>\r\n            <p class=\"p-md mb-0\">Ability to debit both fixed and variable amounts<\/p>\r\n          <\/div>\r\n          <div class=\"d-flex align-items-center w-100 w-md-50 pl-md-20\">\r\n            <img class=\"lazyload mr-15 mw-48px mh-48px w-48px h-48px\" data-src=\"<?php echo esc_url( home_url() ); ?>\/wp-content\/themes\/satchel\/public\/img\/sleu-kit-icons-y-shield.svg?v=2.5&#8221; src=&#8221;data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==&#8221; alt>\r\n            <p class=\"p-md mb-0\">Completely secure<\/p>\r\n          <\/div>\r\n        <\/div>\r\n\r\n        <div class=\"form form--hero mx-0 mt-auto\">\r\n          <?php get_template_part('template-parts\/sepa-direct-debit-form'); ?>\r\n        <\/div>\r\n\r\n      <\/div>\r\n\r\n      <div class=\"col-md-8 col-lg-6 offset-lg-1 d-flex flex-column align-items-start\">\r\n\r\n        <div class=\"badge mb-15\">COMING SOON<\/div>\r\n        <h2 class=\"px-0 mb-15\">Debit Mastercard card by Satchel<\/h2>\r\n        <p class=\"mb-25\">Meet the card you\u2019ll love even more.<\/p>\r\n\r\n        <div class=\"d-flex flex-row flex-wrap mb-30\">\r\n          <div class=\"d-flex align-items-center w-100 w-md-50 pr-md-20 mb-md-25 mb-15\"><img class=\"lazyload mr-15 mw-48px mh-48px w-48px h-48px\" data-src=\"<?php echo esc_url( home_url() ); ?>\/wp-content\/themes\/satchel\/public\/img\/payment-infrastructure\/icon1.svg?v=2.5&#8221; src=&#8221;data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==&#8221; alt>\r\n            <p class=\"p-md mb-0\">Link it to several accounts in different currencies<\/p>\r\n          <\/div>\r\n          <div class=\"d-flex align-items-center w-100 w-md-50 pl-md-20 mb-md-25 mb-15\"><img class=\"lazyload mr-15 mw-48px mh-48px w-48px h-48px\" data-src=\"<?php echo esc_url( home_url() ); ?>\/wp-content\/themes\/satchel\/public\/img\/payment-infrastructure\/icon2.svg?v=2.5&#8221; src=&#8221;data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==&#8221; alt>\r\n            <p class=\"p-md mb-0\">Pay in the currency of the transaction<\/p>\r\n          <\/div>\r\n          <div class=\"d-flex align-items-center w-100 w-md-50 pr-md-20 mb-15 mb-md-0\">\r\n            <img class=\"lazyload mr-15 mw-48px mh-48px w-48px h-48px\" data-src=\"<?php echo esc_url( home_url() ); ?>\/wp-content\/themes\/satchel\/public\/img\/payment-infrastructure\/icon3.svg?v=2.5&#8221; src=&#8221;data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==&#8221; alt>\r\n            <p class=\"p-md mb-0\">Avoid currency exchange fees<\/p>\r\n          <\/div>\r\n          <div class=\"d-flex align-items-center w-100 w-md-50 pl-md-20 mb-15 mb-md-0\">\r\n            <img class=\"lazyload mr-15 mw-48px mh-48px w-48px h-48px\" data-src=\"<?php echo esc_url( home_url() ); ?>\/wp-content\/themes\/satchel\/public\/img\/payment-infrastructure\/icon4.svg?v=2.5&#8221; src=&#8221;data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==&#8221; alt>\r\n            <p class=\"p-md mb-0\">Save your time<\/p>\r\n          <\/div>\r\n        <\/div>\r\n\r\n        <div class=\"form form--hero mx-0 mt-auto\">\r\n          <?php get_template_part('template-parts\/sepa-instant-credit-transfer-form'); ?>\r\n        <\/div>\r\n\r\n      <\/div>\r\n    <\/div>\r\n  <\/div>\r\n<\/section>\r\n\r\n<section class=\"section overflow-hidden\">\r\n  <div class=\"container\">\r\n    <div class=\"row\">\r\n      <div class=\"col-lg-12 mx-auto\">\r\n        <h2 class=\"mb-40 text-center\">What is the difference?<\/h2>\r\n      <\/div>\r\n    <\/div>\r\n    <div class=\"differences row\">\r\n      <div class=\"differences__side col-xl-2 d-none d-xl-block\">\r\n        <div class=\"differences__side-text\">Countries<\/div>\r\n        <div class=\"differences__side-text\">Fees<\/div>\r\n        <div class=\"differences__side-text\">Currencies<\/div>\r\n        <div class=\"differences__side-text mb-24\">Speed<\/div>\r\n      <\/div>\r\n      <div class=\"differences__item col-xl-4\">\r\n        <div class=\"differences__side d-block d-xl-none\">\r\n          <div class=\"differences__side-text\">Countries<\/div>\r\n          <div class=\"differences__side-text\">Fees<\/div>\r\n          <div class=\"differences__side-text\">Currencies<\/div>\r\n          <div class=\"differences__side-text\">Speed<\/div>\r\n        <\/div>\r\n        <div class=\"differences__box\">\r\n          <div class=\"differences__title\">SWIFT<\/div>\r\n          <div class=\"differences__text is-active\">Over 200 countries<\/div>\r\n          <div class=\"differences__text\"><b>From \u20ac 10 to \u20ac 30<\/b><\/div>\r\n          <div class=\"differences__text is-active\">38<\/div>\r\n          <div class=\"differences__text\"><b>2-5 business days<\/b><\/div>\r\n        <\/div>\r\n      <\/div>\r\n\r\n      <div class=\"differences__item col-xl-4\">\r\n        <div class=\"differences__side d-block d-xl-none\">\r\n          <div class=\"differences__side-text\">Countries<\/div>\r\n          <div class=\"differences__side-text\">Fees<\/div>\r\n          <div class=\"differences__side-text\">Currencies<\/div>\r\n          <div class=\"differences__side-text\">Speed<\/div>\r\n        <\/div>\r\n        <div class=\"differences__box is-active\">\r\n          <div class=\"differences__title\">SEPA Instant<\/div>\r\n          <div class=\"differences__text\">SEPA area<\/div>\r\n          <div class=\"differences__text is-active\">From <b>\u20ac 0 \/ 0.2%<\/b><\/div>\r\n          <div class=\"differences__text\">EUR<\/div>\r\n          <div class=\"differences__text is-active\">Up to 10 seconds<\/div>\r\n        <\/div>\r\n        <!-- <div class=\"differences__note\">Coming soon<\/div> -->\r\n      <\/div>\r\n\r\n      <div class=\"differences__item col-xl-4\">\r\n        <div class=\"differences__side d-block d-xl-none\">\r\n          <div class=\"differences__side-text\">Countries<\/div>\r\n          <div class=\"differences__side-text\">Fees<\/div>\r\n          <div class=\"differences__side-text\">Currencies<\/div>\r\n          <div class=\"differences__side-text\">Speed<\/div>\r\n        <\/div>\r\n        <div class=\"differences__box\">\r\n          <div class=\"differences__title\">SEPA<\/div>\r\n          <div class=\"differences__text\">SEPA area<\/div>\r\n          <div class=\"differences__text is-active\"><b>From \u20ac 0 to \u20ac 5<\/b><\/div>\r\n          <div class=\"differences__text\">EUR<\/div>\r\n          <div class=\"differences__text\"><b>< 1 business day<\/b><\/div>\r\n        <\/div>\r\n      <\/div>\r\n    <\/div>\r\n  <\/div>\r\n  <div class=\"container px-0 px-sm-16\">\r\n    <div class=\"row\">\r\n      <div class=\"col-lg-12 mx-auto\">\r\n        <div class=\"lined-btns mt-xl-50\">\r\n        <span class=\"lined-btns__lines\">\r\n          <a class=\"btn btn-primary js-business-acc-opening-link\" href=\"https:\/\/my.satchel.eu\/#\/registration\/business\/\">Open business account<\/a>\r\n          <a class=\"btn btn-primary js-personal-acc-opening-link\" href=\"https:\/\/my.satchel.eu\/#\/registration\/personal\">Open personal account<\/a>\r\n        <\/span>\r\n        <\/div>\r\n      <\/div>\r\n    <\/div>\r\n  <\/div>\r\n<\/section>\r\n<section class=\"section\">\r\n  <div class=\"container\">\r\n    <div class=\"row align-items-center\">\r\n      <div class=\"col-md-9 col-lg-6 offset-lg-2\">\r\n        <h2 class=\"col-lg-15 px-0 mb-15\">Streamline EU-China transactions<\/h2>\r\n        <p class=\"mb-25\">Transact in Chinese Yuan and Hong Kong Dollar and get direct access to the Chinese and European markets.<\/p><a class=\"btn btn-primary mb-15\" href=\"<?php echo esc_url( home_url('\/') ); ?>payment-infrastructure-for-china\/&#8221;>EU-China Payment Infrastructure<\/a>\r\n        <div class=\"bg-white p-10 d-inline-flex\">\r\n          <p class=\"p-sm2 mb-0 text-gray6\">Accounts can be opened for both EU and Chinese residents<\/p>\r\n        <\/div>\r\n      <\/div>\r\n      <div class=\"col-md-7 col-lg-6 offset-lg-1 text-md-right d-none d-md-block\">\r\n        <picture>\r\n          <source\r\n            srcset=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\"\r\n            data-srcset=\"<?php echo esc_url( home_url() ); ?>\/wp-content\/themes\/satchel\/public\/img\/webp\/business\/4-more-opportunities-eu-china-business-direction-01.webp&#8221;\r\n            type=&#8221;image\/webp&#8221; \/>\r\n          <source\r\n            srcset=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\"\r\n            data-srcset=\"<?php echo esc_url( home_url() ); ?>\/wp-content\/themes\/satchel\/public\/img\/business\/4-more-opportunities-eu-china-business-direction-01.png?v=2&#8243;\r\n            type=&#8221;image\/png&#8221; \/>\r\n          <img decoding=\"async\"\r\n            src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\"\r\n            data-src=\"<?php echo esc_url( home_url() ); ?>\/wp-content\/themes\/satchel\/public\/img\/business\/4-more-opportunities-eu-china-business-direction-01.png?v=2&#8243;\r\n            class=&#8221;lazyload&#8221;\r\n            width=&#8221;370&#8243; height=&#8221;360&#8243;\r\n            alt=&#8221;&#8221; \/>\r\n        <\/picture>\r\n      <\/div>\r\n    <\/div>\r\n  <\/div>\r\n<\/section>\r\n\r\n<section class=\"section\">\r\n  <div class=\"container\">\r\n    <div class=\"row\">\r\n      <div class=\"col-lg-12 mx-auto\">\r\n\r\n        <h2 class=\"text-center mb-30\">FAQ<\/h2>\r\n\r\n        <div class=\"vacancy\" itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\">\r\n          <div class=\"vacancy__header d-flex align-items-center justify-content-between\">\r\n            <div class=\"d-flex align-items-sm-center align-items-start flex-sm-row flex-column\">\r\n              <p class=\"mb-0\" itemprop=\"name\">What is a SEPA transfer?<\/p>\r\n            <\/div>\r\n            <a class=\"btn btn-primary vacancy__btn vacancy__btn--more\" href=\"#\">Show more<\/a>\r\n            <a class=\"btn btn-primary vacancy__btn vacancy__btn--close\" href=\"#\">Show less<\/a>\r\n          <\/div>\r\n          <div class=\"vacancy__content mt-25 pt-25 border-top\" itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\">\r\n            <div itemprop=\"text\">\r\n              <p class=\"mb-0\"><a href=\"https:\/\/satchel.eu\/faq\/sepa-the-ultimate-guide\/\">Single Euro Payments Area<\/a> is a payment integration initiative of European countries, which allows users to make simplified transfers in euro, both in terms of speed and cost-efficiency. European citizens and residents use SEPA payments for different motivations, which include but are not limited to billing for services or products, receiving salaries, pensions, and various regular payouts, sending money to friends and family, etc. Many businesses fully rely on SEPA within Europe, as the system helps them satisfy their main needs: purchasing raw materials, buying and selling ready products, sending salaries to their employees, clearing money obligations with their partners, and the list goes on.<\/p>\r\n            <\/div>\r\n          <\/div>\r\n        <\/div>\r\n\r\n        <div class=\"vacancy\" itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\">\r\n          <div class=\"vacancy__header d-flex align-items-center justify-content-between\">\r\n            <div class=\"d-flex align-items-sm-center align-items-start flex-sm-row flex-column\">\r\n              <p class=\"mb-0\" itemprop=\"name\">Can I only make SEPA transfers in euros?<\/p>\r\n            <\/div>\r\n            <a class=\"btn btn-primary vacancy__btn vacancy__btn--more\" href=\"#\">Show more<\/a>\r\n            <a class=\"btn btn-primary vacancy__btn vacancy__btn--close\" href=\"#\">Show less<\/a>\r\n          <\/div>\r\n          <div class=\"vacancy__content mt-25 pt-25 border-top\" itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\">\r\n            <div itemprop=\"text\">\r\n              <p class=\"mb-0\">If the sender or recipient\u2019s account is in a different currency, currency exchange will be required. For more information on international transfers, please read our dedicated <a href=\"https:\/\/satchel.eu\/blog\/all-you-need-to-know-about-international-money-transfers\/\">blog post<\/a>.<\/p>\r\n            <\/div>\r\n          <\/div>\r\n        <\/div>\r\n\r\n        <div class=\"vacancy\" itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\">\r\n          <div class=\"vacancy__header d-flex align-items-center justify-content-between\">\r\n            <div class=\"d-flex align-items-sm-center align-items-start flex-sm-row flex-column\">\r\n              <p class=\"mb-0\" itemprop=\"name\">How do I make a SEPA transfer?<\/p>\r\n            <\/div>\r\n            <a class=\"btn btn-primary vacancy__btn vacancy__btn--more\" href=\"#\">Show more<\/a>\r\n            <a class=\"btn btn-primary vacancy__btn vacancy__btn--close\" href=\"#\">Show less<\/a>\r\n          <\/div>\r\n          <div class=\"vacancy__content mt-25 pt-25 border-top\" itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\">\r\n            <div itemprop=\"text\">\r\n              <p class=\"mb-0\">To send a SEPA transfer, you need to log in to your account with your provider and initiate a transfer as you normally would. You will then need to add a recipient along with the required details and the IBAN of the recipient\u2019s account. That\u2019s it, your SEPA transfer is good to go.<\/p>\r\n            <\/div>\r\n          <\/div>\r\n        <\/div>\r\n\r\n        <div class=\"vacancy\" itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\">\r\n          <div class=\"vacancy__header d-flex align-items-center justify-content-between\">\r\n            <div class=\"d-flex align-items-sm-center align-items-start flex-sm-row flex-column\">\r\n              <p class=\"mb-0\" itemprop=\"name\">What is the difference between SEPA and SEPA Instant payments?<\/p>\r\n            <\/div>\r\n            <a class=\"btn btn-primary vacancy__btn vacancy__btn--more\" href=\"#\">Show more<\/a>\r\n            <a class=\"btn btn-primary vacancy__btn vacancy__btn--close\" href=\"#\">Show less<\/a>\r\n          <\/div>\r\n          <div class=\"vacancy__content mt-25 pt-25 border-top\" itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\">\r\n            <div itemprop=\"text\">\r\n              <p class=\"mb-0\"><a href=\"<?php echo esc_url( home_url('\/sepa-instant-transfers\/') ); ?>&#8220;>SEPA Instant Credit Transfer<\/a> is a scheme that enables faster and more secure payments within the SEPA area. The transactions are processed in just a few seconds, which is drastically faster than traditional payments.<\/p>\r\n            <\/div>\r\n          <\/div>\r\n        <\/div>\r\n\r\n        <div class=\"vacancy\" itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\">\r\n          <div class=\"vacancy__header d-flex align-items-center justify-content-between\">\r\n            <div class=\"d-flex align-items-sm-center align-items-start flex-sm-row flex-column\">\r\n              <p class=\"mb-0\" itemprop=\"name\">What is a SWIFT transfer?<\/p>\r\n            <\/div>\r\n            <a class=\"btn btn-primary vacancy__btn vacancy__btn--more\" href=\"#\">Show more<\/a>\r\n            <a class=\"btn btn-primary vacancy__btn vacancy__btn--close\" href=\"#\">Show less<\/a>\r\n          <\/div>\r\n          <div class=\"vacancy__content mt-25 pt-25 border-top\" itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\">\r\n            <div itemprop=\"text\">\r\n              <p class=\"mb-0\"><a href=\"https:\/\/satchel.eu\/blog\/all-you-need-to-know-about-swift-transfers\/\">SWIFT<\/a> is another cross-border wire transfer network, which currently connects over 10,000 banking institutions in 210 countries. Not all financial institutions are connected to SWIFT without third parties, but instead use correspondent banks that act on their behalf, following mutual agreements. Thus, one simple transaction may sometimes be subject to fees from a couple of different institutions. SWIFT transactions are executed in 38+ currencies, but the fees are higher compared to SEPA transfers. Besides, while SEPA transfers are usually executed on the same day, SWIFT transactions may take up to a few working days. To find out more about the difference between SEPA and SWIFT, please read our dedicated <a href=\"https:\/\/satchel.eu\/blog\/swift-and-sepa-whats-the-difference\/\">blog post<\/a>. <\/p>\r\n            <\/div>\r\n          <\/div>\r\n        <\/div>\r\n\r\n        <div class=\"vacancy\" itemscope itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\">\r\n          <div class=\"vacancy__header d-flex align-items-center justify-content-between\">\r\n            <div class=\"d-flex align-items-sm-center align-items-start flex-sm-row flex-column\">\r\n              <p class=\"mb-0\" itemprop=\"name\">How do I make a SWIFT transfer?<\/p>\r\n            <\/div>\r\n            <a class=\"btn btn-primary vacancy__btn vacancy__btn--more\" href=\"#\">Show more<\/a>\r\n            <a class=\"btn btn-primary vacancy__btn vacancy__btn--close\" href=\"#\">Show less<\/a>\r\n          <\/div>\r\n          <div class=\"vacancy__content mt-25 pt-25 border-top\" itemscope itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\">\r\n            <div itemprop=\"text\">\r\n              <p class=\"mb-0\">To make a SWIFT transfer, you need to initiate the transaction, enter your recipient&#8217;s information (name, address, bank name and address, recipient&#8217;s bank account number, and their bank&#8217;s SWIFT\/BIC code) and the transfer amount, and finalize the process by confirming your payment.<\/p>\r\n            <\/div>\r\n          <\/div>\r\n        <\/div>\r\n\r\n      <\/div>\r\n    <\/div>\r\n  <\/div>\r\n<\/section>\r\n\r\n<section class=\"section\">\r\n  <div class=\"container\">\r\n    <div class=\"row align-items-center\">\r\n      <div class=\"col-md-9 col-lg-6 offset-lg-1 mb-0 order-1 order-md-2\">\r\n        <h2 class=\"col-lg-15 px-0 mb-15\">Still doubting?<\/h2>\r\n        <p class=\"mb-25\">Our team is always ready to answer your questions and help you to find the best solution.<\/p>\r\n        <div class=\"d-flex justify-content-center justify-content-md-start flex-column flex-sm-row\">\r\n          <a class=\"btn btn-primary mr-sm-20 mb-10 mb-sm-0\" href=\"<?php echo esc_url( home_url('\/') ); ?>contact-us\/&#8221;>Contacts<\/a>\r\n          <a class=\"btn btn-primary mr-sm-20 mb-10 mb-sm-0\" href=\"<?php echo esc_url( home_url('\/') ); ?>faq\/&#8221;>FAQ<\/a>\r\n          <a class=\"btn btn-outline-primary btn-outline-primary--contact\" href=\"tel:+37052141818\">+370 5214 1818<\/a>\r\n        <\/div>\r\n      <\/div>\r\n      <div class=\"col-md-7 col-lg-6 offset-lg-2 order-2 order-md-1 d-md-block d-none\"><img class=\"lazyload\" data-src=\"<?php echo esc_url( home_url() ); ?>\/wp-content\/themes\/satchel\/public\/img\/support.jpg&#8221; width=&#8221;360&#8243; height=&#8221;282&#8243; src=&#8221;data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==&#8221; alt><\/div>\r\n    <\/div>\r\n  <\/div>\r\n<\/section>\r\n\r\n<section class=\"section overflow-hidden\">\r\n  <div class=\"container\">\r\n    <div class=\"row\">\r\n      <div class=\"col-lg-14 col-xl-14 mx-auto\">\r\n        <?php dynamic_sidebar('explore-services'); ?>\r\n      <\/div>\r\n    <\/div>\r\n    <div class=\"row mt-md-90\">\r\n      <div class=\"col-lg-11 mx-auto\">\r\n        <?php get_template_part('template-parts\/latest-news'); ?>\r\n      <\/div>\r\n    <\/div>\r\n  <\/div>\r\n<\/section>","protected":false},"excerpt":{"rendered":"SWIFT &#038; SEPA Payment services for easy transactions SEPA Instant A SEPA Instant account with Satchel enables you to make real-time transfers. Your money is guaranteed to reach the recipient\u2019s account immediately. Execution time up to 10 seconds 24\/7\/365 availability Supported across 36 countries in Europe and the UK Added security of transactions No hidden&#8230;","protected":false},"author":5,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"templates\/payment-infrastructure.php","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-127","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Infraestrutura de Pagamentos - Satchel<\/title>\n<meta name=\"description\" content=\"Com uma conta Satchel voc\u00ea pode desfrutar de toda a gama de op\u00e7\u00f5es de transfer\u00eancia oferecidas pelos dois maiores sistemas de pagamento globais.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/satchel.eu\/pt\/infraestrutura-de-pagamentos\/\" \/>\n<meta property=\"og:locale\" content=\"pt_PT\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Infraestrutura de Pagamentos - 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