The fragmented European retail payment markets will progressively be replaced by a complete and competitive euro area market The goal of SEPA is thus to create an integrated , competitive and innovative retail payment market for all non-cash euro payments , with such payments eventually being conducted entirely electronically .
S E PA e e s m ä r k o n l u u a i n t e g re e r i t u d , Euroopa jaemakseteenuste killustatud turud asenduvad järk-järgult euroala tervikliku ja konkurentsivõimelise turuga . konkurentsivõimeline ja uuenduslik jaemakseteenuste turg , kus sularahata euromakseid hakatakse lõpuks tegema üksnes elektroonselt .