The Single Euro Payments Area (SEPA) is the geographical area where cashless EUR payments across Europe are harmonised. SEPA allows European consumers, businesses and public administrations to make and receive —under the same basic conditions— credit transfers, direct debit payments and card payments. The purpose of SEPA is to make all cross-border payments in EUR as easy as domestic payments. Covering the whole of the EU, SEPA also applies to payments in EUR in other Andorra, Iceland, Norway, Switzerland, Liechtenstein, Monaco, San Marino and Vatican City State.