Der skal dog gøres meget, inden dette kan opnås. Trods eksistensen af direktiver, der fastlægger rammerne for SEPA-kort og SEPA's direkte debiteringsordning, er det en kendsgerning, at disse systemer endnu ikke er i drift.
However, there is much to be done before this can be achieved and, despite the existence of directives which stipulate the framework for SEPA cards and the SEPA direct debit system, the truth is that these systems are not yet in operation.