SEPA Direct Debit is a payment method that allows businesses and individuals in the Single Euro Payments Area to collect payments directly from a bank account. It simplifies transactions by enabling automatic withdrawals for recurring payments, such as subscriptions or utility bills, ensuring timely payments without manual intervention. To use SEPA Direct Debit, the payer must authorize the payee to withdraw funds from their account. This process involves providing a signed mandate, which can be set up online or in person. The system is designed to enhance efficiency and security in euro transactions across participating countries.