SEPA Experts in Frankfurt
for secure payment flows, matched in minutes with vetted and available freelancersHire experts who design and integrate SEPA Credit Transfer, SEPA Direct Debit and SEPA Instant Payment processes across banking and business systems. Get precise, fast matching with vetted freelancers who are available for your project.
Meet FRATCH Experts in Frankfurt, who have recently used SEPA
Uday V.
Last position:
Senior Full Stack Java Developer & DevOps Engineer at Deutsche Börse (DBAG)
Project: SCS (Settlement / Clearing Services)
Settlement platform serving multiple trading and clearing venues — counterparty risk safeguarding, settlement volume reduction, central risk management, and post-trade anonymity.
Technologies: Java 17, Spring Boot 3, Microservices, Spring Data JPA, SonarQube, Fortify (SCST), Mockito, Jenkins, OpenShift, Maven, Podman, GitHub, JIRA, Liquibase, Swagger, AMQP, Apache Camel, Terraform, PostgreSQL, Instana, Graylog.
- Identified and remediated CVEs in third-party libraries using SCA tooling, strengthening the security posture of production components.
- Maintained 90% code coverage with SonarQube, improving code quality and reducing production defects.
- Enabled mTLS for database authentication and message broker connections, enforcing encrypted, certificate-validated communication.
- Designed and deployed microservices with asynchronous, REST-based communication between components.
- Optimized a high-volume REST API (~200K requests) by reducing response time from 3s to 2s (33% improvement), boosting throughput and reliability under production load.
- Automated build and continuous integration pipelines using Maven and Jenkins.
- Orchestrated containerized workloads on Podman/OpenShift and governed schema evolution with Liquibase, ensuring reliable, repeatable deployments across all environments.
- Optimized Java code and implemented EHCache-based caching, improving application performance.
- Streamlined release management by governing application images, JAR versions, and dependencies through DBAG Artifactory, ensuring version consistency and audit traceability across environments
Jan P.
Last position:
Operational Readiness / Migration Lead at Worldline
Migration of SEPA direct debits, credit transfers & card clearing to Worldline's internal platform as part of the outsourcing contract
Definition of the MIGR strategy
Mobilization of the community (300+ experts at client & Worldline)
Creation of the MIGR runbook (100+ workshops)
Close collaboration with upstream project streams: BUILD & TEST, as well as with the operating units
Set up of the governance framework, capacity management & reporting
100% of SEPA DD, CT & CC transaction traffic migrated (7 months)
~80 migrations carried out with a success rate of 70% ("first-time right")
Set up technical & manual production monitoring
Established a "fast-track" incident management process in the MIGR & hypercare phases
Set up 20+ exception handling processes
Conducted trainings
Implemented SLAs & billing
Waleri M.
Last position:
Project Manager at WAMOCON Academy
- Project planning and resource planning
- Requirements definition and technology selection
- Data migration and risk management
- Monitoring up to go-live
- Tools: Office365, Jira XRAY, Strato, Onboarding App
Pranjal N.
Last position:
Consultant – Business Process & Supply Chain Advisory at Restaurant Namaste Aschaffenburg
- Designing and optimizing the end-to-end supply chain for a newly established restaurant, covering fresh produce, dry goods, beverages, and kitchen essentials
- Setting up ordering cycles, ensuring food-safety compliant logistics, and aligning delivery schedules with kitchen operations to maintain product quality and reduce waste
- Building procurement frameworks and vendor relationships with major importers and wholesalers in Germany; structuring agreements to secure competitive food pricing, negotiating minimum order quantities, and establishing reliable delivery commitments
- Defining structured processes for supplier evaluation, contract negotiation, and delivery scheduling to reduce risks such as delayed deliveries, inconsistent product quality, or stock shortages; introducing clear evaluation criteria, establishing communication protocols with vendors, and setting escalation procedures for supply disruptions
Jakub S.
Last position:
Oracle Consultant at Airline Sector
- Microsoft Azure: design, sizing, and capacity analysis including PoC
- Microsoft Azure: final implementation for migration from on-prem RAC to single instance Data Guard
- Performance tuning and troubleshooting for crew management systems (pilots and briefings)
- Design and implementation of a disaster recovery-aware system based on RAC Extended Cluster and Data Guard
- OEM: Oracle Cloud Control maintenance, installation and upgrades (12.1.0.5 > 13.3 > 13.5)
- OEM: creating an agent golden image with new RU and security fixes for a full-scale environment
- OEM agent upgrade
- OEM: developing custom metric extensions and reports
- OEM: full monitoring setup with template collection and monitoring templates and incident rule configuration
- Upgrades: GI from 11.2.0.4 to 12.1.0.2, to 18.4, to 19.6+
- Upgrades: databases from 11.2.0.2 to 12.1.0.2, to 19.18+
- Redesign and license optimization based on Oracle SE on ODA and DBVisit
- Design of a virtualized platform based on OLVM and license optimization using hard partitioning
- Migration of databases from bare metal to OLVM
Sven K.
Last position:
Generalist System Administrator at Enbw
- Automation of the (Linux-based) web landscape maintenance.
- Use of SALT, SuseManager, Wildfly, scripting and Kubernetes.
- DevOps tasks and use of Jira.
- Management of "special" applications as well as creating and helping with concepts.
- Focus on security, maintainability, integration and tooling/integration.
Leonid R.
Last position:
IT Business Analyst / Requirements Engineer at S-Payment GmbH / Sparkasse (DSV-Gruppe)
- Business analysis of payments for the introduction of Wero EPI in Germany.
- Analysis and optimization of merchant processes in the context of acquiring and issuing.
- Analysis of interfaces for instant payments.
- Analysis of SCT-Inst processes, settlement mechanisms and reporting processes.
- Identification and clarification of gaps in merchant processes.
- Analysis and documentation of clearing and settlement processes.
- OSPlus process analysis and documentation.
- Coordination and alignment with scheme management as well as various payment service providers and financial institutions on merchant processes.
- Preparation and follow-up as well as active participation in EPI meetings on technical coordination and regulatory topics in payments, including content familiarization and prioritization.
- Preparation and documentation of project and steering committees in the EPI environment.
- Creation of status reports for the subproject.
- Maintenance and structuring of Confluence pages for project documentation.
- Coordination and alignment with the issuing teams on individual customer processes as well as aligning with bank processes and acquirer processes in the Wero environment.
- Communication with payment service providers regarding merchant and bank processes in the Wero environment.
- Organizational support for project management in special tasks in the EPI and Wero environment.
- Digital filing and documentation in Confluence and Microsoft Teams.
- Planning, implementation and tracking of work packages and steps.
- Quality assurance and project control.
- Consulting on IT strategy, IT architecture and interface management in the EPI and Wero environment.
- Technical environment: Jira, Confluence, XML, JSON, MS Office (Word, Excel, Teams, PowerPoint), SharePoint, Draw.io, Innovator, 3rd-level support, ITIL, creation and updating of software documentation, interface management, OSPlus, Scrum, KYC, payment, European Payments Initiative (EPI), Wero, Microsoft Loop, Instant Payments, SCT-Inst.
Jörn B.
Last position:
Project Management and PMO at TANKKARTEN | PAYMENT
- Close collaboration with development teams to ensure alignment with project goals
- Assessment of in-scope assets, requirements definition and support of the public tender process up to vendor selection
- Creation and maintenance of UML sequence diagrams to document system interactions
- Intensive use of Agile/Scrum methodology and the Spotify model
- Development and implementation of cutover and rehearsal plans together with the application managers
Alexander M.
Last position:
Managing Director & Senior Project Manager at Mendelson GmbH
- Interim project manager and requirements engineer in various client projects
Simone K.
Last position:
Consultant at EPSM (European Association of Payment Service Providers for Merchants)
Funda T.
Last position:
Senior Business Consultant at Bethmann Bank AG
Ad-hoc support in settlement for derivatives
Settlement of ETD (futures & options), OTC (DTGs), give-up/take-up etc.
Position and account reconciliation
Coordination with trading, Eurex, UBS AG and asset management
New setup of classes for options and series
Support of the Securities & Operations unit for EMIR REFIT
Advisory for project management of EMIR REFIT and support for implementation
Communication and coordination with the software vendor to clarify business issues
Main responsibility for creating the test concept for go-live on 29.04.2024 (Phase I) and bug fixes/cleanup actions (Phase II)
Active support during go-live: creation of transaction, valuation and collateral reports; migration of the position report; defect management and bug fixing
Inventory of cleanup Phase II
Business test case creation for EMIR REFIT functionalities and coordination with IT teams and the business unit
Creation and updating of training documents and work instructions for OBS modules WPS and GDH
Niklas S.
Last position:
Trainee Corporate Banking at Commerzbank AG
Discover over 15,000 top freelancers
Statistics of experts using SEPA
Aggregated from the professional profiles of matched freelancers.
Experience
21 years
Position duration
2.1 years
Positions per freelancer
15
Top business areas
Information Technology, Operations, Project Management
Top industries
Banking and Finance, Information Technology, Telecommunication
Certification focus areas
Project Management, Information Technology, Product Development
Bachelor's degree or higher
89%
Master's degree or higher
67%
Doctorate
11%
Certifications per freelancer
5
Most common languages
German, English, Spanish
Speak two or more languages
100%
Based on our profile pool as of 19 Sep 2026.
Daily rate distribution
The chart shows how the daily rates of freelancers in this technology in Frankfurt are distributed, based on recent contracts on our platform. Each bar covers a rate range — its height shows how many freelancers charge within that range.
Average rates of experts in Frankfurt using SEPA
Rates are based on recent contracts and do not include FRATCH margin.
The average daily rate is the mean of all daily rates from recent contracts of comparable freelancers on our platform.
The median daily rate is the middle value of all daily rates — half of comparable freelancers charge less, half charge more. Unlike the average, it is barely affected by outliers.
Calculated based on our freelancers’ daily rates as of 19 Sep 2026. Actual rates may vary depending on seniority level, experience, skill specialization, project complexity, and engagement length.
SEPA experts industry focus
See which industries our matched freelancers work in most often — every figure is calculated live from the freelancers on FRATCH.
- Banking and Finance (100%)
- Information Technology (83%)
- Telecommunication (50%)
- Manufacturing (33%)
- Professional Services (33%)
- Education (25%)
- Insurance (25%)
- Transportation (25%)
Please note that freelancers can work across multiple industries, so percentages overlap.
About the technology
SEPA fundamentals
SEPA, the Single Euro Payments Area, defines common rules and formats for euro payments across participating countries. It covers schemes such as SEPA Credit Transfer, SEPA Direct Debit and SEPA Instant Credit Transfer. It is a payment framework, not a standalone software product, so projects depend on reliable integration with banking and business systems.
Payment processes
SEPA expertise supports the full payment lifecycle, from mandate capture and payment initiation to bank response handling and reconciliation. Professionals work with IBAN validation, creditor and debtor data, pain.001 payment files, camt reporting and returns. They also address cut-off times, settlement states, rejects and exception handling.
Systems and tooling
SEPA integrations commonly connect ERP, accounting, treasury, billing and ecommerce systems with banks or payment service providers. Relevant work may include:
- Mapping business payment data to ISO 20022 messages
- Implementing direct debit mandates and lifecycle events
- Processing camt statements for automated reconciliation
- Supporting instant payment flows and status updates
When expertise matters
Companies bring in freelance SEPA specialists during payment platform migrations, ERP rollouts, banking changes and cross-border expansion. External expertise is also useful when manual reconciliation grows, direct debit returns are hard to trace or payment files fail validation. In Frankfurt, close collaboration can help financial, commerce and enterprise teams coordinate on-site workshops with remote delivery.
Skills to look for
Strong professionals combine payment operations knowledge with integration skills. They understand ISO 20022, XML validation, API and file-based connectivity, authentication, audit trails and data protection. Experience with ERP or treasury platforms, bank testing and reconciliation is often as important as familiarity with the SEPA rulebooks.
Quality signals
Look for clear process maps, test cases covering accepted and rejected payments, and evidence that mandates, returns and reconciliation were handled end to end. A capable specialist can explain scheme rules in business terms, isolate bank-specific behavior and design safe retry and monitoring procedures. For teams in Frankfurt, German and English communication may both matter when banks, vendors and internal stakeholders are involved.
Frequently asked questions
Everything clients usually want to know about SEPA, in one place.
SEPA provides common rules for euro payments between participating countries. Companies use SEPA Credit Transfer for account-to-account payments and SEPA Direct Debit for recurring or authorised collections.
The Single Euro Payments Area is designed for euro account payments within its participating region, while card payments use card networks and SWIFT primarily supports international financial messaging. The right option depends on currency, destination, settlement needs and the customer payment experience.
SEPA work often requires ISO 20022, XML, banking APIs, ERP or treasury integration and automated reconciliation. Knowledge of payment service providers, identity controls, data protection and operational monitoring is also valuable.
A SEPA project needs a professional who has handled the relevant payment scheme and integration pattern in production-like conditions. The required depth depends on whether the work covers a simple file export, direct debit lifecycle, instant payments or a full migration with reconciliation.
SEPA integration can usually be delivered remotely when secure access, test credentials and bank documentation are available. On-site workshops in Frankfurt may help when finance, banking and compliance stakeholders need to align on processes.
Ask a SEPA specialist to explain message validation, returns, mandate handling, reconciliation and operational controls using a concrete project example. Strong answers cover testing, auditability, monitoring and safe handling of failed or duplicated payments.
SEPA Instant Credit Transfer enables euro account payments to be processed with near-immediate availability when the participating institutions support the scheme. Implementations must handle availability checks, status responses, time-sensitive errors and monitoring differently from standard transfers.
SEPA defines payment schemes and data requirements, but it does not prescribe one technical connection. A company may use bank APIs, host-to-host channels or file exchange, with the integration layer translating internal payment data into the required messages.
The average hourly rate of freelancers in Frankfurt, Germany who have used SEPA in their recent projects is 112 €, which corresponds to a daily rate of about 899 € based on an 8-hour working day.
Of the freelancers in Frankfurt, Germany who have used SEPA in their recent projects, 89% hold at least a Bachelor's degree, 67% hold at least a Master's degree, and 11% hold a doctorate.
On average, freelancers in Frankfurt, Germany who have used SEPA in their recent projects have 21 years of professional experience, with a single engagement typically lasting around 2.1 years.
The most common languages among freelancers in Frankfurt, Germany who have used SEPA in their recent projects are German (100%), English (100%), and Spanish (25%).
The most common industries among freelancers in Frankfurt, Germany who have used SEPA in their recent projects are Banking and Finance (100%), Information Technology (83%), and Telecommunication (50%).
The most common business areas among freelancers in Frankfurt, Germany who have used SEPA in their recent projects are Information Technology (100%), Operations (92%), and Project Management (92%).
Main locations of FRATCH Experts, who have recently used SEPA
Our freelancers and interim experts are at home across the DACH region — available on-site in the major business hubs or fully remote. Choose a location to discover matched specialists, local market insights and up-to-date availability.
Countries:
Berlin Hamburg Munich Cologne 
Frankfurt Stuttgart Dusseldorf Leipzig Dortmund Essen Bremen Dresden Hanover Nuremberg Request a free demo
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Philipp Thomaschewski
FRATCH CEO
