SEPA Experts in Frankfurt
for secure payment flows, matched in minutes with vetted and available freelancersHire experts who design SEPA payment processes, integrate SEPA Credit Transfer and Direct Debit, and support ISO 20022 messaging and reconciliation. 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
Jörn B.
Last position:
Project Management and PMO at TANKKARTEN | PAYMENT
- Close collaboration with development teams to ensure alignment with project objectives
- Assessment of in-scope assets, creation of requirements, and support of the public tender process through the selection of a provider
- Creation and maintenance of UML sequence diagrams to document system interactions
- Extensive use of Agile/Scrum methodology and Spotify model
- Development and implementation of cutover and dress rehearsal plans together with the application managers
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
Simone K.
Last position:
Consultant at EPSM (European Association of Payment Service Providers for Merchants)
- Stakeholder management and coordination of board meetings
- Acquisition of speakers as well as management and moderation of physical and virtual EPSM meetings for members and guests from the payment industry
- Organization and coordination of working groups on regulatory topics (DORA, PCI-DSS, AML, PSD3/PSR)
- Consulting and representing EPSM on social channels, on the web and at external events and trade fairs
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
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.
Alexander M.
Last position:
Managing Director & Senior Project Manager at Mendelson GmbH
- Interim project manager and requirements engineer in various client projects
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
Jakub S.
Last position:
Oracle Consultant at Airline Sector
- Microsoft Azure: design, shape, 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 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 agent golden image with new RU and security fixes for 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 virtualized platform based on OLVM and license optimization using hard partitioning
- Migration of databases from bare metal to OLVM
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 29 Oct 2026.
Daily rate distribution
The chart shows how the daily rates of experts in this technology in Frankfurt are distributed, based on recent contracts on our platform. Each bar covers a rate range — its height shows the share of experts charging 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 29 Oct 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 payments
SEPA, the Single Euro Payments Area, standardises euro payments across participating European countries. It covers bank transfers, direct debits and instant payments through schemes such as SEPA Credit Transfer, SEPA Direct Debit and SEPA Instant Credit Transfer. Companies use it to make cross-border euro payments work more like domestic transactions.
Payment flows
SEPA specialists map payment journeys from customer authorisation to bank settlement and reconciliation. They help companies build reliable flows for invoices, subscriptions, refunds, payroll and supplier payments. In Frankfurt, this expertise is relevant to financial services, commerce, logistics and other businesses operating across European markets.
- Design credit transfer and direct debit processes
- Connect payment services with banks and ERP systems
- Handle mandates, rejects, returns and status updates
- Prepare payment files and automated reconciliation
Standards and tools
Strong professionals understand SEPA rulebooks, IBAN validation, creditor identifiers and mandate data. They work with ISO 20022 message formats such as pain, pacs and camt, and connect these messages to banking APIs, host-to-host channels or file-based workflows. They also account for authentication, encryption, audit trails and operational controls.
When to engage
Companies often bring in freelance SEPA expertise during a banking migration, payment platform rollout or European expansion. Specialists can assess an existing flow, clarify scheme requirements and coordinate changes across finance, product, compliance and technology teams. They are also useful when failed payments, manual reconciliation or inconsistent bank formats slow daily operations.
- Replace legacy payment files or bank connections
- Add recurring SEPA Direct Debit collection
- Introduce instant euro payments where supported
- Improve monitoring, exception handling and reconciliation
Quality signals
A capable SEPA professional explains the complete transaction lifecycle rather than focusing only on file creation. Look for experience with mandate evidence, return reason codes, cut-off handling, idempotency, security and clear operational ownership. Good specialists test normal, rejected and duplicated transactions and document how finance teams resolve exceptions.
Collaboration
SEPA work combines banking knowledge with integration, data mapping, testing and process design. Remote collaboration can work well when access, security controls and decision owners are clear; on-site sessions in Frankfurt may help with bank onboarding or workshops involving finance and compliance. Agree early on supported schemes, bank interfaces, test evidence and handover documentation.
Frequently asked questions
Everything clients usually want to know about SEPA, in one place.
Companies use SEPA for euro credit transfers, recurring collections, supplier payments, payroll and customer refunds across participating European countries. A specialist can design the flow, connect it to banking services and ensure that reconciliation and exception handling are covered.
SEPA is designed for euro account-to-account payments within its participating area. Cards suit merchant checkout and cardholder payments, while SWIFT is commonly used for international bank messaging and currencies outside the SEPA scope. The right choice depends on geography, payment type, speed and customer expectations.
A strong SEPA specialist often brings knowledge of ISO 20022, banking APIs, ERP and accounting integrations, data protection, security and reconciliation. Experience with IBAN checks, mandate management, webhooks, file processing and operational monitoring is also valuable.
The required background depends on the payment flow and its risk. A simple file integration may need a different profile from a multi-bank setup with recurring debits, instant payments and complex reconciliation. Ask candidates to explain comparable transaction flows, failure cases, testing methods and handover practices.
Yes, many SEPA projects can be delivered remotely through secure documentation, controlled access and structured testing. On-site collaboration in Frankfurt can be useful for bank onboarding, process workshops or meetings with finance and compliance teams. German and English communication expectations should be agreed at the start.
Ask how the specialist handles mandates, rejects, returns, duplicate submissions, cut-off times and reconciliation. A quality SEPA professional will describe test scenarios, monitoring, audit evidence and operational procedures, not just the technical connection to a bank.
SEPA Credit Transfer is initiated by the payer, while SEPA Direct Debit is collected by the creditor under an approved mandate. Direct Debit therefore requires careful mandate storage, presentation rules, refund handling and return management. SEPA Instant Credit Transfer adds near-immediate processing where the participating banks support it.
A freelancer should confirm the required schemes, countries, currencies, banks, message formats and integration channels. They should also clarify who owns mandate evidence, compliance decisions, reconciliation, production support and incident handling. These details define the real scope of a SEPA assignment.
The average hourly rate of freelancers in Frankfurt, Germany who have used SEPA in their recent projects is 111 €, which corresponds to a daily rate of about 890 € 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
