You can charge customers by direct debit (bank to bank) with an API. You can create your own pdf invoices and email them. You can charge customers with paypal o

You can charge customers by direct debit (bank to bank) with an API. You can create your own pdf invoices and email them. You can charge customers with paypal or use credit cards or any of the EU specific online payment methods. There is no EU directive or law prohibiting this. You don't need any kind of "special data collection" authorization. Most SMBs just print their own invoices with MS Word or some generic software package.