I have long been arguing that the natural way to SEPA-payments is through e-invoicing – especially now when ISO20022 for e-invoicing is ready. Here you do not need to force anybody to do SEPA-payments – they materialize automatically.
And as posted before – a u-turn in direct debit – should also be done – e-invoicing becoming the master would save costs enormously.
Outlined also here: http://www.financial-i.com/news/newsview/141
So – on the road to a harmonized Single Market: