There are multiple types of SEPA payments, I think you're talking about SEPA Credit Transfer (essentially making the bank transfer yourself). On the other hand

There are multiple types of SEPA payments, I think you're talking about SEPA Credit Transfer (essentially making the bank transfer yourself). On the other hand, for SEPA Direct Debit, not only is the interface quite reasonable (you enter your IBAN and confirm a mandate), but consumer protection is very high. You can chargeback no questions asked for 8 weeks, it will be immediately accepted and the merchant can't do anything about it. And as a customer, besides the 8 weeks no questions asked policy, you have 13 months to ask for a refund of an unauthorised transaction, with supporting evidence. In practice, the bank will always accept such a request too.