Card and SEPA Direct Debit: the traveler chooses
Offer card and SEPA Direct Debit on the same page. On a large balance, SEPA costs much less in fees.
- Apple Pay and Google Pay
- 3D Secure on every card payment
- No subscription
Transactions
Bank statement
In short
Ezus Pay accepts cards, with Apple Pay and Google Pay on compatible devices, and SEPA Direct Debit for trip files in euros. You choose which methods to offer on each link. A European card costs from 1.19% + €0.30 excl. VAT. SEPA Direct Debit costs 0.3% + €0.30 excl. VAT, which keeps fees down on large amounts.
Card or SEPA: what changes
Card, for speed
The payment is confirmed in a few seconds, with 3D Secure authentication. It is the only method that works for automatic charges.
Balance · Tanzania safari
€4,960
Card number
3D Secure passed
Pay €4,960SEPA, for large amounts
0.3% + €0.30 excl. VAT. On a €5,000 balance, the fees come to €15.30 excl. VAT.
Fees on €5,000
Excl. VATFees depend on the card
The fee depends on the network, the issuing country and the card type. The fee calculator gives the exact amount.
Amount
€4,960
Debit card · Europe
Fees−€59.32
You receive
€4,900.68
Your name on the statement
The traveler's statement shows EZUS* followed by your agency name. They recognize the payment.
Bank statement
One link, two ways to pay
- 1
You choose the methods
Card, SEPA Direct Debit or both, link by link.
- 2
The traveler chooses
They pay by card, Apple Pay, Google Pay or by entering their IBAN.
- 3
The trip file updates
A card payment is confirmed right away. A SEPA Direct Debit is confirmed after a few business days.
Card and SEPA: your questions
No. The traveler authorizes a debit by entering their IBAN. The payment attaches itself to the trip file, with no transfer to match.
Yes, by card. SEPA Direct Debit requires a bank account in the SEPA area.
Yes. Business cards carry higher interchange fees, so their rate is higher too. The fee calculator shows the difference.
Yes. Payments go through Stripe, with 3D Secure on every card. Ezus Pay does not store any card data.
Further reading
Our guides on the topic
Card vs SEPA for Travel Payments: 2026 Comparison
Card for immediacy, SEPA for high-value payments. What each method brings to a travel agency, and why the two work better together than apart.
Read the articleCard surcharges: can a travel agency pass card fees on to the traveller?
Adding a 2% "card fee" to a trip is banned in France, even on a corporate card. What the EU and national texts say, and the alternatives that are allowed.
Read the articleOther features
Everything Ezus Pay does to help you collect payments.